Shopping for insurance is probably not at the top of someone's list ' one for fun things to do. But with a little preparation, you can usually buy and adhere to a diet in 15-20 minutes.
Make sure you avoid these common mistakes that can cost you time or money in the long run.
Do not take the time to examine the details of your coverage.
all health plans are created equal. Make sure that you think beyond the premium (which you pay for the insurance company each month) and dig into the details.
is your favorite doctor in the network? How many office visits cost? Can you afford the franchise? Your prescriptions covered?
Think about how you use health care in a typical year, and make sure that the plan you choose covers the services that you are most likely to use.
Do not check to see if you qualify for a grant.
subsidies or premium tax credits are available depending on your household income in the previous year.
a tax credit can help you pay for your health coverage. It is estimated that 44% of people who shopped for a qualified individual coverage for the grant.
are you one of the 44%? Visit the market ConnectedHealth use the grant calculator. It only takes a minute to see if you may qualify, and it is easy to use. It never hurts to check!
Not register any health coverage at all.
The cost of going without health coverage is often more expensive than paying for a plan that covers at least the basics. Even if you are generally healthy, it is always a good idea to protect yourself in case you have an injury or become seriously ill.
The average cost of an emergency room visit is $ 2,000 if you do not have insurance. Ouch!
Aside put you at risk of paying the full cost of services, the penalties for not having coverage increased significantly this year.
People who do not have health coverage for three months or more in 2016 will face fines of $ 695 per adult and $ 347.50 per child, or 2.5% of annual household income - whichever is higher. The maximum penalty is $ 2,085 per household.
Waiting until the last minute to choose the cover.
health coverageLikes choice and many people put off as long as possible. But the choice of your health coverage is an important decision, and rush to choose the last day plan can lead to errors.
Waiting until the last minute, you surely will have more waiting time if you're trying to find answers to questions, and less time to make a change if you need. Worse, your request can not be processed in time, perhaps leaving you without coverage at all.
Plan ahead, even if you are a procrastinator! Start shopping well before the deadline, and do your research to ensure you get the right plan for you! Visit us to compare plans or discuss with an agent if you have questions.
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