Get ready to scrutinize your choices! The timeframe to review and select health insurance is shorter this year for coverage starting in 2019. Whether you select a plan yourself, use a broker, or hire a patient advocate, it’s important to make sure you make a selection that is a good fit. Don’t assume everything stays the same; benefits are revised every year. You may have received a letter from your current insurer about changes, most importantly about how much your premium will be each month. In some cases increases may be as high as 30%.
If you have Medicare, open enrollment has already begun and closes on November 7. If you have a commercial plan (individual, State/Federal marketplace) open enrollment runs from November 1 to December 15.
As an independent advocate, I offer a thorough, customized assessment and neutral recommendations with no allegiance to companies or commissions. If you have a complicated situation it makes sense to get an outside review. Note: I’m WA State-licensed as a “producer” to keep up with industry nuances; I do not actively sell policies.
For more information: Recent Research about Insurance Premiums
To find data for a specific plan across the country: Rate Changes for 2019
Here’s my Facebook Live presentation filmed last year with a local broker to explain how to survive open enrollment season. These tips are still relevant. This video was sponsored by the Washington State Health Advocacy Association. Open Enrollment Tips
Contact me if you would to learn more about your options.