4 Steps for Getting Yourself Ready for October 1, 2013
Today, you are not required to purchase medical insurance. Compliance with Health Reform is not mandatory until January 1, 2014. Now, it is helpful to be abreast of your options, so you can plan ahead. This is especially true if you are currently uninsured. On October 1, 2013 you can begin shopping for a California health insurance exchange plan, but what can you do before then?
1.Mark Your Calendar for October 1, 2013
At the end of this year, the health insurance industry will be overwhelmed by millions of people who will be shopping for coverage. Good customer service will be hard to come by if you wait until November or December of 2013. Begin shopping right away in October of 2013 so you can get the information you need and nail down the coverage that will work best for you and your family.
2.Find an insurance agent now who will support you.
Find an insurance representative who is easy to understand and can personally help you stay abreast of the Health Reform news in your state. CaliforniaExchangePlans.org is an example of one of these resources.
3.Get familiar with health plan premiums and benefits.
Get quotes for health plans that are currently available. Get acquainted with what plan features matter most to you so you can match your medical and pocketbook needs with the coverage options that are available. Note that the plan you select before 2014 may need to be changed effective January 1, 2014. However, enrollment now is still very helpful because not only do you obtain protection against expensive and unexpected medical expenses, but also, you’ll be able to identify which carrier and healthcare providers you like or don’t like. This in itself will probably be one of the biggest time savers when 2014 comes and you’re required to choose.
4.Choose a healthcare provider.
Talk to people you trust to get recommendations on healthcare providers. Do they like their doctors and the facilities they go to? In 2014, premiums and benefits will be more similar between insurance companies, so the main component that will make one carrier stand out above another is SERVICE. So, get your antennas up. A good tool to consider is The Leapfrog Group’s 2012 Top Hospitals List.
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