Tis’ the season for employer-sponsored Texas health insurance programs to offer open enrollment. Should you consider changing your current health care provider?
What is open enrollment?
According to National Association of Insurance Commissioners (NAIC), open enrollment requires insurance companies to accept anyone who enrolls in a health insurance plan during this time “without underwriting or evidence of insurability.” Due to the availability of coverage offered, it could be the perfect time for you to re-evaluate your current Texas health insurance coverage.
Should I go hunting?
When deciding on a health insurance carrier, the NAIC suggests that one needs to investigate the in-network doctors and hospital affiliated with each carrier, evaluate if your spouse and/or children can be covered, check for pre-existing condition exclusions, check prescription clauses, and read thoroughly through the coverage agreement. Imagine how much time that could be spent searching for that perfect plan?
Who has time to do all of this?
No one has time to check all this information on all the possible carriers and plans available in order to decide whether or not change their health insurance benefits.
So what should you do if you decide to go hunting this health insurance open season?
You should contact Custom Health Plans, Inc. We have licensed health insurance experts who want to guide you to the best Texas health insurance coverage at the most affordable cost by calling us at 877-749-2241 or locally for those in the Dallas/Ft Worth area at 469-361-4032 or visiting us online at www.customhealthplans.com.. Let one of our personal representatives help you take control of your health care decisions by explaining the many options available to you in this ever-changing climate of health insurance modifications. We are here to help you by tracking down the best plan for your family, all while saving you time and money. Call us today or visit our website at www.customhealthplans.com
Reference:
National Association of Insurance Commissioners. (n. d.). Health insurance open enrollment: Choosing the best option for you and your family. Found on November 12, 2009 at http://www.naic.org/documents/consumer_alert_health_insurance_open_enrollment.htm
