OPEN ENROLLMENT…. IS JUST AROUND THE CORNER!
Whether your health insurance is through your employer or you have a private policy, you’re headed for open enrollment. This is when insurers make cost and benefit changes that will be effective January 1 st . Your insurer is required to notify you in writing of upcoming plan benefit changes. Take the time to study those changes and the benefit details in any plan you are considering for your 2021 coverage. The choice you make will be in effect through December 31, 2021 unless you have a qualifying event, (such as loss of coverage) that allows you to change coverage mid-year.
Here are three common changes to look for:
- Increased Costs: An increase in your premiums and/or what you pay for medical treatment, such as: lab work, x-rays, or hospitalization. Direct primary care members receive enormous savings on labs and imaging servicess.
- Prescription Drugs: Two common benefit changes for the drugs you take are:
i. They are no longer covered. Direct primary care members are offered steeply discounted medication pricing.
ii. The drugs have been moved to a different tier, which often means moving from a lower-cost tier, such as Brand Name, to a higher cost tier, like Specialty Drugs.
- Physician services. Many times with changes to insurance, patients find their physician is no longer “in-network.” Check that your specialists are still in network. Good news…direct primary care physician services are not affected by these changes.
Choosing the plan with the highest deductible/lowest premium can save thousands of dollars per year when paired with a direct primary care membership. You never have to worry about your changes to your direct health care services regardless of benefit changes in the policy. Open enrollment only comes once per year. Make the most of it and choose the best plan to meet your health care needs.
TRANSITIONING JOBS/ LAPSE IN HEALTH BENEFITS?
Direct Primary Care offers an excellent opportunity to obtain health care with transparent pricing that covers the vast majority of health care needs. We recommended you maintain catastrophic coverage. Some good options are:
- Short-term health insurance (STHI): as of mid-2020 there were at least 9 providers of STHI in Illinois.
- Medical Cost Sharing Plans
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