Now that open enrollment has begun for the year, it’s time to start thinking about your health insurance coverage and if you want to purchase or update your plan. If you want your health insurance plan to begin on January 1st, you’ll need to review health insurance plans and pick one by December 15th. If not, your plan will begin on February 1st, as long as you meet open enrollment date requirements.
At Alpine Advantage Health Insurance, we’re here to help you review health insurance plans and find the best one for you during open enrollment. Here are some of the common mistakes we see people make when comparing health insurance plans:
- Ignoring network coverage — If your healthcare providers are out of network, you could face significantly higher costs or even be responsible for the full fill. Make sure to check the plan’s network directory to ensure your preferred providers are included.
- Overlooking out-of-pocket cost — If you choose a plan with a lower premium, it could come with higher out-of-pocket costs, which can add up if you need frequent medical care. It’s essential to understand how much you’ll pay for different services and whether these costs fit your budget.
- Not considering preventive care — Preventive care can help you detect issues early and maintain overall health. Most health insurance plans cover preventative services at no additional cost, but some do have limitations.
If you want to avoid mistakes like these when shopping for health insurance plans, contact us today!