Open enrollment in the health insurance marketplace runs from November 1, 2015, through January 31, 2016. If you’re looking to have coverage with an effective date of January 1st, 2016 – The deadline to enroll is December 15th, 2015. Whether you’re renewing coverage or buying a plan for the first time, it pays to shop around. Use the questions listed below to help choose the plan that’s right for you.
Questions to Ask When Buying Coverage for the First Time.
1. What is important to you? For example, are your out-of-pocket costs, a particular provider, local urgent-care, or the prescription drug coverage items that are important to you? What’s most important of these items?
2. How important is your monthly premium (payment) versus how much you pay when you go to the doctor?
3. How much will you pay out of pocket before the plan begins paying for your health care services?
4. Do you have a specific provider you want to see? Is the provider included in the plan’s network?
5. Is there a certain medical facility that you want to receive health care services at? Is it included in the plan’s network?
6. Does the plan cover any medications that you are currently taking?
7. How many times per year will the plan pay for health care services that you may need (for example, physical therapy)?
For the best options and rates, look to the agents at Anderson & Associates in Manatee County, Florida. Our experienced health insurance agents can shop around for you, and provide you with great rates, and answers to any questions that you may have. For a free quote, use the form on this page or, click here.
