Planning on switching your health insurance plan
Even if it is less expensive, dropping your job-based coverage and switching to a private plan that you buy may not be the best option for you. Health insurance you get from your employer has some very important protections that may not be available (depending on the state you live in) if you buy private insurance. If you’re worried about finding the right health insurance plan, visit InsureLane and get free health insurance quotes and get help from licensed agents online!
These include:
* Guaranteed issue – If your employer offers health insurance, you (along with all employees) must be accepted for coverage, regardless of your health status.
* Guaranteed renewability – Your employer (or health plan) cannot cancel your insurance if you become sick.
* Portability – If you had health insurance (either private or from another employer) before enrolling in your current job-based coverage, your new health insurer must reduce any preexisting condition waiting times by the amount of time that you were covered on your previous plan.
For example, if your new health plan has a 6-month waiting period before covering your treatment of high blood pressure and you had health insurance coverage for the past 12 months, you would be fully covered for your high blood pressure when you start your new plan.
* COBRA – If you are laid off from your job and your former employer has more than 20 employees, the company is required by a 1986 federal law (known as COBRA) to offer you the option to pay for an extension of your health insurance coverage for at least 18 months. COBRA is not available if you have a private health insurance plan.
Understand Your Options
You also need to make sure that you fully understand the benefits and limitations of the private plan compared to your employer-based plan. Are the benefits the same? If the private health insurance is a managed care plan (such as a PPO or HMO), are your doctors in the network?
If you apply for private health insurance, do not cancel any health insurance coverage you currently have until you receive an approval letter and insurance policy, or contract from the health plan you selected.,
Before you make any commitment, carefully review the new insurance policy. Make sure you understand and agree with the following:
* the date when the your health coverage begins (effective date)
* the amount of premium you will pay each month
* if there is a waiting period and how long it is
* the actual benefits for you and your family members
* limitations or exclusions that may be of concern to you, such as no coverage for a pregnancy if you are planning to have more children
If your company has a human resources department, speak with the person in charge of your health benefits. It may be possible to switch to a plan with higher out-of-pocket expenses, which could lower your premiums. And, if you have an insurance broker for your home or car insurance, seek his or her advice as well.
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