Planning Steps Before You Apply for Health Insurance

Even if you aren’t in school anymore, you still need to do some homework to get ready for the next Open Enrollment Period! When you are ready to apply for health insurance, you’ll have three options available. But first things first! Let us guide you in preparing to buy health coverage that meets your needs and fits your budget. Explore your options and learn about the steps you need to take during the Open Enrollment Period.

Step 1: Plan Ahead

• Make a list of any questions have before choosing a plan. Review these FAQs.before you apply for health insurance. Think about how much coverage you need. Reviewing our list of questions to ask when seeking a plan can help you find out  what is more important to you when it comes to your health coverage.
• Provider Network  – Is your doctor in the plan’s network? You might want to make a list of doctors, including specialists, physical therapists, pharmacies, hospitals and urgent care centers you use and check to see if they are in the plan’s network
• Set a budget.  Think about the monthly premium, but also keep in mind the deductible, copayments and other out-of-pocket costs to figure out what you could end up paying within a year, should you end up with unexpected medical bills. When you apply for health insurance, keep in mind that in general, the more you spend on your premium, the less you will need to pay out of pocket when receiving care.
• Gather basic information about your household.

Step 2: See if You Can Get Help Paying for Health Insurance

Check if you qualify for financial assistance. The health care law helps many people pay for health insurance. Based on your income, family size and the health plan you choose, you may qualify for federal financial assistance. This could reduce – or even eliminate – your monthly premium.

Step 3: Find a Plan that Fits You

Once you’ve thought about everything that you (and you family) may want and need, now you can choose a health plans that fits your lifestyle and budget while taking great care of your health!

If you're ready, start shopping now or, if you have questions, you can call us  at 1-888-731-0383, visit our website or visit one of our events to get help in person.

Last update: 10/22/2018