55.4 F
Fort Worth
Monday, November 23, 2020
Culture Life It’s open enrollment season: Here are some tips to help make the...

It’s open enrollment season: Here are some tips to help make the process easier

Other News

Rethinking Screen Time for Kids

(StatePoint) As families try to establish a new normal, balancing screen time for kids has become not only especially challenging, but more important than...

Seniors with diabetes: Important questions to ask your doctor now

(BPT) - If you're a senior with diabetes, you're not alone. The statistics are eye opening — more than 25% of Americans age 65...

Connecting in kindness during troubling times

(BPT) - The theory that the world is interconnected to such a degree that the fluttering of a butterfly’s wing in Africa could cause...

Protecting Your Financial Health During the COVID-19 Outbreak [Video]

Sorry, but your browser does not support the video tag.(BPT) - The COVID-19 outbreak has many Americans quickly trying to adjust to a new...

(BPT) – Health care coverage is a long-term investment in your health and finding the best coverage option can help ensure financial stability and wellness in the long run. Enrolling in a health insurance plan is the first step to helping families stay healthy and be at their best.

Given everyone’s unique circumstances and the varying plan options available, finding the right coverage option may seem daunting. Whether you’re a first-time enrollee or you’re just looking to learn more about health care, here are some tips that can help simplify the process of signing up.

Review your past health care expenses

Take account of your health care journey in recent years. How many times did you visit the emergency room? Are you managing a chronic condition? Or maybe you put off wellness visits, vaccinations and other important health screenings because you were concerned about the cost.

Knowing what you’ve spent in the past or what you anticipate your health needs will be can help determine the breadth of coverage you may need moving forward.

Pay special attention to the fine print

Each type of health plan is different based on what services it’ll cover, how much services and prescriptions will cost, and what doctors and hospitals you’ll be allowed to use. You’ll want to review each health care plan carefully to choose the one that best meets your needs.

When choosing between different options, consider not just the cost of the plans (the premium), but what benefits are provided, and what out-of-pocket expenses you are expected to contribute, such as co-pays for doctor visits and prescriptions, and the deductible for each plan. This is where reviewing your previous year’s medical needs and expenses can be a good benchmark for identifying the plan that’s right for you.

Consider recent life changes

Any significant life change — a new job, an added family member or an increase or decrease in income — can change the insurance plan that might be the best fit for you and your family’s health care needs and budget.

Even determining financial assistance can be a challenge, as it can shift as a result of recent lifestyle changes. Out of the uninsured population in Texas, 60 percent are eligible for Medicaid or a federal subsidy.

Ask for help

To better understand your health plan options, including subsidy eligibility, or even if you’re just interested in learning the basics of health care terminology, such as the difference between an HMO plan and a PPO plan, check out BeCovered.org.

The Be Covered website has a variety of resources to help people understand their benefit options, tips on staying healthy and information on how to enroll.

Be mindful of deadlines

If you’re 65 years and older, you should keep in mind that the deadline to sign up for a Medicare plan is December 7.

If you’re exploring a health plan in the Marketplace, the deadline is December 15.

Getting your health insurance ducks in a row means being able to access a wide network of medical providers so that you can access the right care when you need it. But enrolling doesn’t have to be so complex. Consider the steps above when choosing your health coverage so you can have the security and peace of mind that comes from enrolling in a quality, affordable health plan.


close






Oh hi there 👋
It’s nice to meet you.

Sign up to receive awesome content in your inbox.

We don’t spam! Read our privacy policy for more info.

Latest News

Pioneer Black Canadian Cowboy John Ware honored in Stockyards

John Ware and family c. 1896. Credit: The Canadian Encyclopedia/(Courtesy Glenbow Archives/NA-263-1) The Consulate General of Canada in Texas and the Fort Worth Herd have partnered to...

Top 100: Coming to the Rescue During COIVID: Preserve the Fort, Care 4 Tarrant, United Way of Tarrant County

Leah M. King, President & Chief Executive Officer, United Way of Tarrant County Mayor Betsy Price, City of Fort Worth Judge Glen Whitley, Tarrant County Commissioners...

CDC pleads with Americans to not travel for Thanksgiving

NEW YORK (AP) — With the coronavirus surging out of control, the nation’s top public health agency pleaded with Americans on Thursday not to...

Top 100: Family Business of the Year: Ian MacLean

Highland Landscaping LLC 820 A Enterprise Place Southlake 76092 www.highlandlandscapingllc.com Ian MacLean never intended to own a landscaping business. Count him as likely one of the few landscape...

Top 100 Next Generation Award: Ben Rosenthal

Ben Rosenthal, Co-President/CEO of Standard Meat Company Standard Meat Co. 455 Sansom Blvd. Saginaw 76179 817-916-1319 www.standardmeat.com The Rosenthal family is legendary in Fort Worth for its long history in...