Open enrollment begins October 1, but there are many things you can do to prepare yourself before then:
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For example, "Can I stay with my current doctor?" or "Will this plan cover my health costs when I'm traveling?" View our list of Frequently Asked Questions or attend a health care reform seminar for answers.
Knowing how health insurance works will help you as you're trying to pick a plan. For example:
Learn what a deductible, an out-of-pocket maximum, or a copayment is. View our glossary for some terms you should become familiar with.
You'll want to know about the different types of health coverage you have to choose from and what each will pay for.
Take a look at your payment options also. Do you have to pay every month or once a year?
Think about these details while you're shopping for a health insurance plan.
Many people will qualify to get a tax credit towards the cost of their health insurance coverage, and you'll need income information to find out how much you can get. Health Care Reform And You will be updated when the government makes the details available, so you'll be able to answer a few questions about your family and your income to figure out if you qualify. Later this year, we'll also have an online calculator available to help you find out how much you may get towards the cost of coverage.
There will be different types of health insurance plans to meet a variety of needs and budgets. Be sure to make a decision about what you want and what you can afford before you review the plans. This will help you narrow your choices and make it easier for you to select the best plan for you.
If you have health insurance through your employer, ask if changes will be made regarding your health plan. Find out from your employer whether they plan to offer health insurance in the future, especially if you work for a small business.
Take a look at your current situation. If you need health coverage now, contact the insurer of your choosing to get information on health insurance plans you can buy right now. You may also want to check on government health insurance programs, such as Medicaid, Medicare or the state high risk pool. If you'd like help getting started with your search for health insurance, call our Consumer Education Center at 866-531-8706.