Ask Your Employer For Answers To These Important Health Insurance Questions
Open enrollment 2015 is in full swing! If you have a health plan sponsored by your employer, it may be smart to expect a few changes. At this time, employers will begin to evaluate their current and future health care needs, and may switch group health plans. Healthcare for employees can be quite expensive, so business owners are always looking for a way to manage the costs. Open enrollment gives employers the chance to compare plans, and see if there is a more financially sound option available.
In order to be a responsible healthcare consumer, it is important to be fully informed about your health coverage at all times. Changes to your health plan could greatly affect you. Your trusted doctor or specialist may no longer be available to you, or you may have to pay more in order to visit the doctor. These are just a few changes that you may experience. Here are a few things you should ask your employer when enrollment time rolls around:
- With my new health plan, is my current doctor still in-network?
- Will I need to go to a new location for labs and medications?
- Will my out-of-pocket costs change? If so, by how much?
- How can I differentiate the quality of medical procedures, and medical prices?
- Can my out-of-pocket expenses be financed by tax-free money?
- What are the details regarding my prescription plan?
If you have any additional questions about your Covered California health plan or the Affordable Care Act, please contact the experienced agents at Pacific Group. We are one of the top California full-service employee benefits brokerage firms. With over 20 years of experience in the insurance industry, we have the knowledge necessary to provide you with the best insurance advice. Allow us to guide you, and give us a call!