Open Enrollment – Secure Term Insurance

Open Enrollment for Health Insurance Begins November 1, 2016

Administrator — Tue, 13 Sep 2016 20:49:42 +0000

Open Enrollment for 2017 begins November 1, 2016 and ends January 31, 2017. If you are in need of an individual/family health insurance plan, make sure to apply during open enrollment. Also, if you are unhappy with your current plan, open enrollment is the time to switch plans.

Make sure to get several quotes for comparison and have your insurance broker review them with you. Health insurance plans have varying premium amounts, deductibles, copayments, coinsurance costs, out of pocket maximums, and drug benefits. You are going to want to find the right plan for your needs and budget.

There will be both PPO plans and HMO plans available. PPO (Preferred Provider Organization) plans allow you to visit any doctor within the network without first getting a referral from a primary care physician. There are also HMO plans (Health Maintenance Organizations), which require a primary care visit first, before being referred to an in-network specialist. Make sure you understand the difference between PPO plans and HMO plans before selecting one.

If you have a doctor that you go to regularly, it is important to check to make sure he or she is in the network before committing to a particular plan. Once you commit to your plan, always make sure to go to doctors, hospitals, labs, and medical facilities within the network. If you have network questions you should contact your broker to help you.

If you are a California resident in need of a health plan feel free to contact us at Secureterminsurance.com. We are insurance brokers dedicated to helping you find the right plan for your needs!

The post Open Enrollment for Health Insurance Begins November 1, 2016 appeared first on Secure Term Insurance.

Open Enrollment for Health Insurance has Started!

Administrator — Thu, 05 Nov 2015 02:07:45 +0000

Open enrollment for health insurance is underway! There are many things to consider when searching for a health plan including deductibles, out of pocket maximums, doctor networks, pricing, potential subsidies, etc. If you are a California resident in need of a health plan feel free to contact us at Secureterminsurance.com. We will help you secure a plan for 2016!

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Open Enrollment for Health Insurance Begins November 1st, 2015

Administrator — Mon, 28 Sep 2015 22:05:43 +0000

Open enrollment for health insurance begins November 1st, 2015. Open enrollment is scheduled to close on January 31st, 2016. If you do not have health insurance, make sure to apply for it during the open enrollment period. Aside from the fact it is important to insure your health, there are now even more incentives to apply. First of all, there is a tax penalty for not having health insurance. Also, there is no longer medical underwriting, so you can choose whatever plan you want without being denied for health reasons. If you are sick or need a surgery this year then you should opt for the very best plan that you can afford as it can help pay for a lot of your health costs. Keep in mind that it is important to choose a plan with a substantial network of doctors. For quotes and assistance with applying for 2016 plans in California visit Secureterminsurance.com today!

The post Open Enrollment for Health Insurance Begins November 1st, 2015 appeared first on Secure Term Insurance.