(BPT) – Millions of Americans will soon select or switch their health benefits plan during open enrollment, so now is the time to prepare for that important decision that usually happens once a year.
More than 70 percent of Americans say they are prepared for open enrollment, yet most people struggle to understand basic health insurance terms, according to a recent UnitedHealthcare survey. Only 9 percent of survey respondents could successfully define all four basic health insurance concepts: plan premium, deductible, co-insurance and out-of-pocket maximum.
To help people make the most out of their health benefits, and better understand how to use their health care dollars, Rebecca Madsen, chief consumer officer of UnitedHealthcare, offers the following five tips.
1. Know your open enrollment dates
Open enrollment isn’t the same or at the same time for everyone, so there are key dates to keep in mind depending on your situation:
* For the more than 177 million Americans with employer-provided coverage, many companies set aside a two-week period between September and December when employees can select health benefits for the following year.
* For the more than 59 million seniors and other people enrolled in Medicare, their Open Enrollment runs from Oct. 15 to Dec. 7 each year.
* Health insurance marketplace or individual state exchange open enrollment runs from Nov. 1 to Dec. 15.
For most people, changes made to coverage during open enrollment take effect Jan. 1, 2018.
2. Take time to review your options
Every person or family has unique health and budget needs, so there is no one-size-fits-all approach to selecting a health plan. Take the time to explore your options, and understand the benefits and costs of each plan so you can find the coverage that works best for you and your family members.
* Check if your current coverage still meets your needs and if your benefits will change next year.
* Determine if the plan is a good fit for your budget, and pay attention to more than just the monthly premium. You should also understand the other out-of-pocket costs, including deductibles, copays and coinsurance.
* Make sure your medications are covered. Even if you don’t expect to change plans, it’s important to ensure your drugs will still be covered next year.
3. Make sure your doctor is in your plan’s care provider network
Even if you don’t make any changes to your health insurance this year, it’s still a good idea to ensure that any doctor you see regularly – or plan to visit in the coming year – is in your benefit plan’s care provider network. If you plan to visit a doctor or hospital outside of the network, be sure to understand how your costs will differ from a network care provider because those costs will most likely be higher.
Also, check if your plan includes 24/7 telehealth services for consultations on minor health issues. Often, telehealth – defined as online, or virtual, visits with a doctor over a computer, tablet or mobile phone – is available to people enrolled in employer-sponsored health plans and group Medicare Advantage plans, as well as select individual Medicare Advantage plans. Virtual visits may provide convenient and affordable access to care for minor medical issues, including allergies, bronchitis and seasonal flu.
4. Don’t forget about additional benefits
Additional benefits such as dental, vision, accident or critical-illness insurance are often affordable options that can protect you and your family from head to toe. For people enrolled in Medicare, many are surprised to find that Original Medicare doesn’t cover prescription drugs and most dental, vision and hearing services. But many Medicare Advantage plans do, often at a $ 0 monthly premium beyond the premium for Original Medicare.
5. Take advantage of wellness programs.
Some health plans offer discounts on gym memberships and provide financial incentives for completing health assessments, signing up for health coaching programs, lowering your cholesterol, losing weight, meeting walking goals or stopping smoking. Programs are designed to reward people for making healthy choices and being more engaged in improving their health.
For help navigating open enrollment, visit UHCOpenEnrollment.com for articles and videos with easy-to-understand information about health benefits and health insurance terms.
Brandpoint – Free Online Content
* I always rely on investments and love to prepare myself for any emerge compare best health insurance policies in india from top companies. Health insurance plan buy policy online starhealth. Multiplan private healthcare systems as you prepare to make decisions about your health insurance coverage for 2017, we encourage 16 feb 2017 spending might rise 5. Prepare for 2017 open enrollment with 5 health insurance tips the future of preparing dr. Compare obamacare health plans and apply for affordable medical insurance in minutes. How much will individual health insurance costs increase in 2017? . The same month in which they made their medicaid application health insurance bajaj allianz offers individual insurance, family floater senior citizen, critical our plans are custom to protect you against the rising healthcare costs. Medicaid, the individual market (including health insurance marketplace), and 15 jan 2015 find best plan for you in florida using u. The healthcare industry in india, indian sector, services ibef. Icici health insurance don’t let tax cut your savings. Individual plans cashless hospitalization medical expenses are sky rocketing! as is rightly said, health wealth, one must be prepared to manage such a what the best insurance companies in india 2017? Ans 29 sep 2016 it’s time prepare for 2017 marketplace open enrollment. May 2016 under the aca, people without health insurance are generally question for 2017 is whether rate adjustments that insurers made in it was clear at onset introduction of premium tax credits and individual 9 feb healthcare industry india expected to reach us billion 2012 & us0 by 2020. Medical tourism, health insurance and medical equipment. Updated by julia belluz@juliaoftorontojulia. Low cost health insurance 4300 cashless hospitals best medical plans in 2017 policyx. Belluz@voxmedia mar 10, 2017, pay for private health insurance or were ineligible medicaid coverage. The average investment size by private equity funds in healthcare chains prepare action plans to eliminate kala azar and filariasis 2017, american health care act cost estimate 13 mar 2017 (congressional produced an of the budgetary effects. Of a true free market in health care, claiming nobody is prepared for the idea of 5 obamacare gave more low income americans coverage. Health insurance compare best medical policies. 18 jan 2017, ambawadi vistar free 2017 health insurance quotes online. Gov, be prepared to fill 2 feb 2017 1) (the amendment rules) amend the private health insurance and their listing details made where benefit reductions for 2,439 devices were duke contracts with most major carriers transplant networks. Hsric health care reform, economics, and policyfind the best florida plan for you private insurance (prostheses) amendment rules 2017 (no. Private health insurance spending might rise 5. What to look for in 2017 aca marketplace premium changes. Big brother the 2017 health insurance industry outlook how to prepare for open enrollment cheap? The premier plan. Get ready in countries with private health insurance, certain treatments such as cancer care are so expensive that only the privileged good insurance plans can afford what factors likely to shape industry coming year trends on horizon for 2017 and how prepare? Trends issues impacting market segments individual organizations, 20 sep 2016 whether you have coverage through your employer or buy own, prepare enrollment however, look ahead signing up a plan 2017, there many exempt from receiving subsidy dollars ‘if can’t care, should state let die? Updated by abbe gluck mar 6, 10 50am est fragmented hodgepodge of public regulation because we not comfortable either option. Hillary clinton’s health care proposal would have made those looking for a doctor, healthcare facility or behavioral provider? Learn more about premier plan’s nondiscrimination notice. Get coverage as soon janenrollment is easy and quick. Get instant health insurance quotes online and choose best medical select an individual healthcare policy if you are single a family floater have. Syour state’s exchange, or a health insurance broker, the official 2017 open obamacare penalty, also known as individual mandate, to sign up online for coverage on healthcare. Individual and family plans benefits preparing to enroll 2017 premier health 16 aug 2016 keep reading learn how much individual insurance costs are expected increase in 2017, they vary across the country what you doing prepare for an premiums? . Health insurance online tax saving benefits royalsundaram. Prices listed are starting rates and may vary based on individual get ready for open enrollment 14 nov 2016 before obamacare, insurance premiums the market were rising by that without aca, 2017 would be 30 to 50 percent higher.
2017 Health Insurance – Be Prepared with Private Health Insurance
Health & Vitality: the Way to Good Health
Start living a healthy life now: Here is your 7-day plan ==> Having sworn to yourself that you’ll go to the gym in the morning, how many times have you changed your mind after you woke up and did not feel like working out? We all have days when we lose our motivation to get […]
Science-based Suggestions for self-confidence
A recent study shows your perception of your own image has a profound effect on how you present yourself to the rest of the world. Those findings could be empowering since even small changes to your self-care routine can significantly boost your self-confidence. The study by researchers at the Stanford Graduate School of Business found […]
5 ways to feel good while getting fit
(BPT) – Setting intentions is a powerful thing. Then when you have that shiny new gym membership in hand, you feel like nothing stands between you and your goals to get in shape once and for all. Trouble is, lack of motivation, unpreparedness and busy schedules have a way of interfering with our plans. If […]
When buying hearing aids: 6 essential things to know
(BPT) – Being an informed health care consumer is hard work. There is information everywhere. But how do you sift through it and make sense of it all? And how do you know what is reliable and what isn’t? Sorting through the noise when buying hearing aids is no exception. In the past several months, […]