Good Questions To Ask Yourself During Open Enrollment
Looking at what health insurance you need can be an overwhelming process. Sometimes you only look at one aspect, like the monthly cost, and find yourself with huge out of pocket bills to pay later. If you are looking to enroll or re-enroll in Covered California this month, these are some good questions for you to ask yourself.
Do you like your current plan?
Over the last year have there been any situations that you did not expect to happen with your level of insurance? Or did you have any unexpected bills? Were you happy with your doctor and the care of service provided to you and your family? It’s good to look and see if there were any pain points over the last year. If you know what you didn’t like, you can see if there are any easy ways to fix that for the coming year.
Are you planning on having any significant changes this year?
Are you expecting to have a child? Or are you getting married? Both of these are substantial life changes that you can consider in your health insurance. However, it is important to note that these are also considered life altering events that can put you in a special enrollment period where you can change your health insurance to better match your current needs.
Are you on any current prescriptions?
If you are on a prescription medicine it will be important to know if your new provider covers these prescriptions or if your current provider is looking to change their policies.
How much do you want to pay?
Looking at your budget is crucial. And this is not just looking at your monthly premiums. This question needs to entail what you will pay out of pocket. What does it cost to see your doctor, to get prescription drugs, to go to the emergency room? You should also know what your premiums cover.
If you need help answering any of these questions, please feel free to call us at Bernardini & Donovan.