During open enrollment, many people are bombarded with advertisements enticing you to switch plans, offering gift cards or cash rewards for those who change their health insurance plan.
But before you make any decisions, it’s important to understand what those changes could mean for your healthcare.
Here are five tips to help you make the right decision for you and your family.
1. Just because you can change plans, it doesn’t mean you have to.
Offers from insurance companies can be confusing. If you’re flooded with offers to choose a new insurance plan, remember that, in most cases, just because you can switch plans, it doesn’t mean you have to.
If you’re unsure, be sure to contact your current insurance provider.
2. Understand the benefits of insurance.
Having insurance means you can access preventative care – you don’t have to wait for an emergency to see a doctor. Seeing a health care provider regularly means you’ll be able to make a plan for staying healthy.
People without insurance often wait until they’re in an emergency to seek health care. But emergency care is expensive. And worse, it leads to poorer health in the long run.
3. Make sure your plan is in-network.
Does your healthcare plan cover care with your preferred provider? Contact your health care provider to find out.
Not all health insurance plans advertised in our area cover care from our local providers. If you select one of these plans, you may face higher out-of-pocket costs or be required to travel long distances to get the care you need.
4. Ask for help.
Navigating healthcare coverage can be overwhelming, but help is available. Olympic Area Agency on Aging (03A) offers free one-on-one support through Jefferson County’s local State Health Insurance Benefits Advisors (SHIBA) program. Call a SHIBA volunteer to get your Medicare questions answered at
Jefferson Healthcare’s financial counselors can also help you understand your options. Call us at
5. Low-income? Know your options.
If you’re not sure if you can afford health insurance, there are several options available to you. Health care coverage at a reduced cost is available for most low-income people. Contact SHIBA or a Jefferson Healthcare financial counselor to learn more.
As open enrollment approaches, take the time to carefully review your options and ensure your chosen plan supports your healthcare needs. For personalized guidance, reach out to local resources like Jefferson Healthcare’s financial counselors or SHIBA for expert advice.