According to a study performed by Enroll America entitled A Framework on Health Insurance Literacy for the Outreach and Enrollment Community, “Almost half (48 percent) of the uninsured expressed a lack of confidence in choosing a plan for themselves in the future.” Thanks to the open enrollment period, the good news is that there are improvements to the tools, as well as introductions of new tools, to aid consumers choosing Health Insurance in Texas. It doesn’t matter if they’re choosing an individual plan or one for their families; these tools are in place to help consumers fully understand the information for which they are being presented.
Examples of New Marketplace Tools:
Enroll America’s Get Covered Plan Explorer: this tool provides consumers with a simpler option for choosing their best Health Insurance in Texas plan coverage. Not only does it list every plan by its total annual estimated costs, but it does so by avoiding just listing the deductible or premium. Questions about the consumer’s health care needs and their general health are asked to create an estimate of their annual costs, and then this figure is incorporated with any financial help they expect to receive. A feature of this tool consumers will find beneficial is it assists them in determining whether or not their physician is covered by their Health Insurance in Texas or not.
HealthCare.gov Eligibility Tool: those interested in Health Insurance in Texas can find personalized information using this eligibility tool. Examples include what the consumer’s estimated annuals costs for Health Insurance in Texas would be based on what their expected health care needs are. Every user can perform searches for specific doctors under individual plans, as well as prescription medications.
Additional HealthCare.gov Information:
One of the best additions to HealthCare.gov is their provider directory. This new addition allows users to search for their personal physician to see if they can retain their current provider while receiving Health Insurance in Texas. Despite the information listed in the directory, it’s advised that patients call their doctor’s office to confirm that they are part of the provider directory. According to Texas State Legislation HB 1624, which was passed during their last session, discrepancies should be reduced because companies providing Health Insurance in Texas are required to do the following:
“(e) The health benefit plan issuer shall conspicuously display in the directory required by Section 1451. 504 an e-mail address and a toll-free telephone number to which any individual may report any inaccuracy in the directory. If the issuer receives a report from any person that specifically identified directory information may be inaccurate, the issuer shall investigate the report and correct the information, as necessary, not later than the seventh day after the date the report is received.”
Open Enrollment for Health Insurance in Texas:
The open enrollment period for Health Insurance in Texas runs continuously until January 31, 2016. However, for those who choose to enroll for Health Insurance in Texas by December 15th, they can rest assured knowing their coverage will begin on January 1st.
On the Fence About Health Insurance in Texas?
While the Marketplace tools are in place to help consumers navigate the process of choosing Health Insurance in Texas a simpler process, the decision to make the purchase still lies with the individual. They may be on the fence about buying Health Insurance in Texas because they’re currently healthy, or because they’ve never needed it in the past. The trust of the matter, however, is everyone should have a plan in place in case an emergency occurs or to offer protection if an unexpected illness occurs.
The Importance of Health Insurance in Texas:
Because Health Insurance in Texas helps keep out-of-pocket expenses down, consumers can visit their doctor for regular check-ups more often. Meaning, they’ll only pay a low monthly premium and a small co-pay at the time of each visit. Each of these costs is significantly less in comparison neglecting health care, having no Health Insurance in Texas, and experiencing medical bills that are twice as high when health declines.
Bringing it All Together:
For those who are having difficulty navigating the Marketplace through the open enrollment period, or if you’re still having trouble deciding if you should buy Health Insurance in Texas, it’s important not be hasty. Don’t give up on the process. Look for additional resources, speak to friends or family members who can help you figure out which Health Insurance in Texas is best for you, or talk to your doctor. That way, you know you have covered all of your bases and the coverage through your Health Insurance in Texas will meet all of your needs adequately.