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For many, health-care open enrollment is around the corner. Should you switch or stay with your current? Insurance coverage can be complicated and at times difficult to understand. Below are some easy to follow rules when choosing the right health care plan for you and your family.
It is important to note that not all companies offer the same type of coverage. One must first research the type of plan that is right for you, then choose the right organization for your needs.
Your specific needs will best determine the type plan needed. Important questions to ask yourself when choosing a plan include: 1) Will you feel limited if you have to stick to specific providers? 2) Can you afford the extra cost of a PPO? These simple questions will allow you to choose the best plan for you. Can’t afford to pay much? Check out these affordable options.
Changing jobs or expanding your family? These are prime times to change your current coverage or update existing plans. Here are three lifetime milestones that may require a change in plans.
*If you do have a change in status (marriage or children), make sure you request enrollment within 30 days of your marriage, adoption, or birth.
Ready to shop for health care polices? Here is an overview and comparison of different online health insurance sites.