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3 Tips to Select the Right Insurance or Medicare Plan For You

The open enrollment period for many health and Medicare insurance plans begins soon. With the many choices available, it can be an overwhelming process to choose the plan with the medical and prescription coverage you need, keep your ARC doctor, and save money. Here are some tips to help you choose the right plan for you.

Tip 1: Know your enrollment deadline

The most important things to know are the dates for open enrollment and your deadline to choose the plan you want. Not sure of your enrollment deadline? See below:

  • Medicare: Oct. 15 to Dec 7, 2019
    Visit ARC’s Medicare Insurance Help page for advice on how to select the best plan for your health and prescription needs.
  • Health Insurance Exchange: Nov. 1 to Dec 15, 2019
    Check ARCinsuranceinfo.com for local plans that are accepted by ARC. 
  • Employer Health Plans: check with your employer for your deadline and visit arcinsuranceinfo.com to make sure you choose an in-network plan.

Tip 2: Make sure your primary care doctor and specialty doctors are in-network

There are several insurance plan types: Indemnity, HMO, PPO, and POS. Each type of plan may have a different level of coverage for doctors considered in-network and out-of-network. Different hospitals and doctors contract with different plans and out-of-pocket costs may differ for each plan including those for: office visit co-payments, deductibles and coinsurance. Typically your out-of-pocket expenses remain lower if the doctors you see regularly are in-network for the health plan you choose.

When selecting a plan, make sure that your new insurance plan includes the Austin Regional Clinic doctor(s) that you know and trust. To see if an insurance plan is in-network:

Tip 3: Know where to get professional advice

Medicare Options

If you already have an insurance agent or broker, we recommend reaching out to them. If not, please call 1-817-410-5954 to speak with an agent familiar with Medicare coverage options and plans accepted at ARC.  You can also attend a free Medicare 101 presentation or Medicare Shop and Compare event near you, just check the schedule and RSVP online.

Health Insurance Exchange Plans

Health Insurance Exchange plans and estimated prices are available on HealthCare.gov.

Employer Health Plans

Most employers provide an “easy compare” chart, with new benefits and options, which is a good resource when comparing insurance plans.

For additional information about health insurance, visit our Health Insurance Frequently Asked Questions page.

Tags: Medicare Advantage, CSCA

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