Should I Change My Health Insurance Plan This Open Enrollment?
Every year, families and individuals are given an opportunity to change their health insurance plans for any reason. This period is called Open Enrollment, and it falls at the end of the year. For most states, Open Enrollment 2020 extends from November 1, 2019 through December 15, 2019. California’s Open Enrollment period is longer and extends from October 15, 2019 through January 15, 2020. As the day approaches, you may be wondering if you should change your Covered California insurance plan. Here are a few things you should consider before making such an important decision.
Is Your Family Changing?
If you are pregnant or your spouse is pregnant, you should consider whether your current insurance plan is adequate for your growing family’s needs. Don’t get discouraged if you don’t know. You can always talk to a Certified Covered California Agent to understand your options. He or she will help you understand the benefits and drawbacks of different plans so you can select the one that is the best fit for your family.
Do You Have a Medical Condition?
Do you or a family member have a medical condition that requires treatment and/or medication? If so, you may need to look for an insurance plan that offers more complete coverage than the one you have now. Again, a Certified Covered California Agent can help you understand if your current plan offers the greatest value for the money or if you would be better off switching to a different plan. Depending on your medical condition, you may want a plan that has fewer out-of-pocket costs. Or, you may find that a plan with a lower deductible may be a better fit for your situation.
Is Your Current Plan Changing?
Some people like to stick with the same health insurance plan, so they simply do nothing when Open Enrollment comes around. Usually, automatic enrollment ensures that you’re re-enrolled in the same plan if you don’t do anything during Open Enrollment. However, if your current insurance plan is discontinued, you may be automatically enrolled in a plan you don’t want. To keep this from happening, always sign up for health insurance during Open Enrollment, even if you want to keep the same plan.
Want To Learn More About Covered California?
Covered California insurance coverage can be confusing, which is why Sackett & Associates Insurance Services is proud to offer education and clarification. To learn more about your insurance options so you can figure out whether or not to change plans for Open Enrollment 2020, contact us at 707-823-3689 or fill out our online form.
