Whatever your current healthcare situation, if you are in the marketplace for new insurance or searching the insurance landscape due to upcoming changes, it’s good to consider as many plans and options as possible. Since choosing an insurance plan for you, your spouse and/or family can be a daunting and confusing journey, here are some tips to help you out. Because having anxiety about your insurance coverage is the last thing you want to have hanging over your head during the pandemic.

  1. Reviewing your situation
    If you are covered with ACA, you may need or want to wait until open enrollment which is early November 2020. There are plans, however, that exist outside of open enrollment. Check with a licensed health insurance agent to learn what is applicable and most beneficial for you.

  2. Use free smart tools
    Use a tool to learn high level which options are available for your particular situation. HealthMarkets, one of the largest independent health insurance agencies in the US that sells health, Medicare, life and supplemental insurance products for more than 200 companies,
    recently launched a simple and intuitive tool. This is a first-of-its-kind online and offline shopping experience to support finding any kind of health insurance coverage options, while also providing free, unbiased counsel. By answering just nine basic questions, consumers can gather information on any type of health insurance coverage and which may be the best for them to consider – even if it is a coverage option that HealthMarkets doesn’t offer.

  3. How much coverage
    Determine how much insurance coverage you or your family needs or will potentially use. With many unknowns existing in this pandemic time period, monthly premiums may be a smarter decision than an annual payment. Of course, it’s paramount to consider your known health needs. If you need to maintain a certain physician for a special or chronic condition or if you know you’re going to take a certain prescription drug, look for a plan that covers one or both of these criteria. By using HealthCare.gov you can search you’re your health care provider and your prescription drugs as you browse plans to see which ones may be your best fit.

  4. Remember to always review
    Regardless of whether you have an impending health insurance transition or need, you should make it a habit to review the state of your health, impending needs, your overall coverage needed and match those items with the changing benefits available in the marketplace. Economical, industry and political changes can occur in less than 12 months so it’s best to always be on the lookout for number one to ensure you have not only the best fitting plan, but one that’s best for your wallet as well.

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