The stress of choosing a health-care plan may have you wondering, “Did I make the right choice?” Fortunately, with the Affordable Care Act, there are numerous options that may be right for you.
If you aren’t offered coverage by your employer, through your spouse, or you are self-employed, you can consider the options available through the marketplace. If a new healthcare plan is in your future, here are some things to consider.
The Affordable Care Act
With an ACA plan:
- You will have coverage regardless of pre-existing conditions.
- You are entitled to essential health benefits such as mental health coverage, free preventive care, and prescription drugs.
- There are no limits on coverage.
- Coverage is available for more people, including young adults, low-income individuals, and women.
Take note: Every plan under the ACA offers FREE preventive care, meaning you will have access to these services from day one at no cost to you.
Considerations When Applying for a New Health-Care Plan
There are three things to consider when getting a new healthcare plan, including:
Your budget is the most significant decision to make. Many people live paycheck to paycheck and can only afford a certain amount of health insurance each month.
Think about how much money you can put aside each month and choose a plan within that budget.
You may be eligible for a subsidy. At McKnight & McKnight Insurance Solutions, we offer experienced, licensed, and trusted agents to help you navigate your options on and off the marketplace. Schedule a quick phone appointment online today!
Your Doctors and Providers
If you have a doctor, hospital, or medical provider you like, you will want to determine if your plan covers them. If they are, costs will be lower because they are “in-network.” If not, they are “out of network,” and you may end up paying quite a bit out of pocket for your medical visits.
Before enrolling in a new healthcare plan, double-check that your plan includes your doctor or hospital.
Though you may not be able to predict the necessary scope of coverage, it is wise to think about your healthcare needs.
Consider these questions:
- How often do I visit my primary care doctor?
- Will I need to visit a specialist and, if so, how often?
- Do I have a chronic condition?
- Do I need prescriptions?
- How often will I go to the hospital?
- How often might I need lab work or X-rays?
The answers to these questions will help you determine how much you will pay under your healthcare plan for the year. If you call McKnight & McKnight Insurance, we will recommend the most affordable plan based on your unique needs.
Our independent insurance agents at McKnight & McKnight Insurance make finding the right health insurance simple, fast, and friendly. Schedule your 2022 Open Enrollment appointment today!
Apply for a New Health-Care Plan
There are many insurance options available to you. If you are shopping for a 2022 health insurance plan during this year’s open enrollment period, our trusted agents at McKnight & McKnight Insurance can help!
Call (866) 525-0368 to get started with a complimentary quote or policy review today.
We look forward to finding the perfect health insurance policy for you!