American consumers can, unfortunately, face specific challenges when it comes to health insurance. Suppose you’re a consumer in Lakewood, CO. In that case, we can provide you with the health insurance information you need at Colling Insurance Services Inc. We’ll answer your questions and help you overcome any health insurance challenges you face.
The following are four challenges you may face when you buy health insurance.
Missing enrollment periods
For most health insurance policies, you have a limited period in which to enroll. This is especially true if you want to enroll in a plan that includes a subsidy you get through the Affordable Care Act.
That’s why you need to be aware of enrollment periods and purchase a policy before any applicable enrollment period has ended.
Understanding the health insurance policy that you choose
Health insurance can be a complicated financial product. Consumers must review the details and read all the fine print before purchasing a policy.
Ensure you understand issues like deductibles, coverage maximums, copays, and coinsurance entirely when shopping for health insurance. If you have any questions, ask a representative from the health insurance provider you want to buy a policy from.
Being aware of all the resources available to you
Some consumers don’t realize they have health insurance options available to them through their employer or state or local government.
Look into options provided by your employer, your state health exchange, and any memberships you have in professional organizations before you buy a policy.
Not knowing what the future holds
Unfortunately, knowing what the future holds regarding your health is impossible. That’s why it’s always best to invest in high-quality coverage even if you’re healthy and don’t think you’ll need medical care in the near future.
At Colling Insurance Services Inc., we’re here to help consumers in Lakewood, CO find the right health insurance options. Call us today to get a policy quote.