These Healthcare Tips Brought to You By Robert M. Galligan & Associates, Inc.
Healthcare reform has created many questions and concerns for individuals. When considering health insurance, you want the most coverage for you and your family. We can provide you with guidance and support in selecting a plan that is best suited for you. We have identified a number of factors for you to consider when selecting an individual plan.
Healthcare Reform Key Information
The open enrollment lasts only three months; about half the time as last year. The enrollment period is November 15, 2104 to February 15, 2015.
You can enroll outside of this period if you qualify.
Individuals may also qualify for Special Enrollment Periods outside of Open Enrollment if they experience certain events. These include; getting married, having a baby, losing health insurance, moving, plus others.
There are plenty of health plans available directly from insurers, without going through a marketplace. In fact, some insurers are only selling policies outside the marketplace in some states.
How To Select Your Individual Health Plan
We have access to many markets and special programs. This would include coverage under the healthcare reform.
Look at several plans- Each plan offers different levels of coverage.
Consider any dependents- If you have children under age 26 without health insurance coverage through an employer; the law permits them to be on your insurance.
Review many providers- You may want to make sure your primary care physician is in network.
Determine what you need vs. what you want- Determine what you need and focus on that.
Consider deductibles- Plan premiums can vary with high deductibles; this may save you considerable dollars.
Make sure your drugs are covered. You’ll want to make certain that the plan’s formulary, or list of covered medications, includes those you take regularly, especially if they are expensive.
Don't just look at premiums. Figure in other out-of-pocket costs you will face and compare these within each plan. Finally, you should expect your agent to continue advising and helping you even after you purchase a policy. It does not cost you anymore to use our services, so call us today at 530-742-3243.