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Questions to ask yourself about Health Insurance

By November 12, 2014Business, Tax Strategy

Click here for the pretty version of understanding your insurance.

by guest Kellie Scott

With the 2015 Open Enrollment approaching, we want you to be prepared.

Did you know? To have a health insurance plan start on January 1, 2015 you must enroll between November 15, 2014 and
December 15, 2014.
Did you know? To get great coverage you don’t have to pay for the most expensive plan available.
Did you know? There is a way to increase your benefit and decrease your out-of-pocket expenses, simply by going with an Awesome Insurance Strategy.

Right now is a great time to reevaluate your and your family’s insurance needs. What special healthcare needs do you have? How often do you typically go to the doctor? What network of doctors do you prefer? What can you afford financially? And what plan is going to best meet all of your needs? There are many approaches to health insurance. Some people are under the impression that they have to pay for the most expensive plan to get the best benefits. Others who believe that they don’t ever get sick and don’t want to pay for a plan at all are under the impression that they should choose the cheapest plan and take on the risk if their plan doesn’t cover them.

There is never just one solution.

What matters most is whether or not the plan you select best meets your specific needs. Working with an independent agent—that is, an agent who is not contracted with one specific insurance carrier—is a great way to see all the options available to you.
Whether you are currently enrolled in a plan or are looking at enrolling in a plan during the open enrollment period, talk with an agent and find out what options are right for you and your family.

Important Upcoming Dates and Deadlines

Between now and November 15, 2014

  • Watch for a notification letter from your insurance carrier. This notification will include any plan/rate changes for 2015.
  • If you have questions about any changes, now is a good time to contact your insurance agent so they can answer the questions you have before the open enrollment period starts.
  • If you do not receive a notification by November 15, contact your insurance agent.

Between now and December 3, 2014:

  • Call and schedule an appointment with an agent to help you make the best choices for your 2015 plan.

Between November 15 and December 15, 2014:

  • If you would like to make a plan change (or update your financial assistance for 2015) contact an agent.
  • If you are planning to continue on your current plan, you will still need to elect this option either through your insurance provider or through the healthcare exchange.

Between November 15 and February 15, 2014:

  • If you do not already have a health insurance plan, this is your opportunity to contact an agent and set up a health plan so that you are not penalized at the end of the year.

© 2014 Awesome Insurance. All rights reserved.

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