Tag Archives: health insurance policies

Follow These Tips To Make Sure You Are Getting The Most Out Of Your Health Insurance Plan

TIP! Figure out the costs before getting your own health insurance. Build up a thorough understanding of the real costs presented by a particular plan, making sure to factor in the trickier factors like co-pays and flexible deductibles.

Often, people go without proper health insurance because they don’t think they can afford it. Insurance companies also have catalogs full of health insurance policies to choose from, which makes it difficult to determine which will be most effective. This article contains several tips to increase your knowledge of health insurance providers and the health insurance policies available to you.

TIP! If you require health insurance and have are a recent college graduate, there are some things for you to think about. If you have a job, you can use their employee-based insurance.

If you are a recent college graduate and you are looking into health insurance, there are a couple of options for you to consider. If your place of employment offer insurance, take advantage of this benefit. Or, if you’re under twenty-six, you can remain on the insurance plan of your parents.

TIP! If your eyes already have issues, or vision problems exist in your home, then vision insurance proves a smart buy. The insurance covers a percentage of check ups and eyeglass or contact purchases.

When time for open enrollment occurs, you need to reevaluate your health insurance policy. Your current coverage may no longer be adequate if your health conditions have changed or if you need coverage for a new family member. It is best to make needed changes during the open enrollment period for vision and dental insurance as well.

Health Insurance Premiums

TIP! Expect your policy to have a number of loopholes. Read and comprehend every word of your health insurance policy.

Health insurance can help you pay less on your taxes. Although many people aren’t aware of the fact, health insurance premiums are tax deductible. Health insurance premiums, prescription costs, deductibles and other expenses not covered by insurance may be deductible on your tax return. Check the guidelines since federal and state taxes differ.

TIP! Generic drugs will always save you money regardless of the type of health insurance coverage you have. Generics are available in most cases and contain the exact same ingredients as a brand name.

No matter what, you will save money by buying generics over brand name drugs. It’s unlikely that your prescription will not have a generic option, and studies have proven that the efficacy of both name brand and generic prescriptions are equal.

TIP! Ask your usual doctor if you can use the health insurance you are interested in to cover for visits. Your insurance company should have a website devoted to important benefit information.

If you consider buying catastrophic coverage for your health insurance, make sure to find out exactly what is and is not covered. Be sure the catastrophic events you worry about are actually covered. If you do decide to do this, open a HSA (Health Savings Account) and make regular deposits. This way you will have your deductible covered should you need it.

TIP! You should make sure the health insurance plan you are looking into covers all related pregnancy costs, if you plan to become pregnant. Certain insurance plans do not cover every aspect of pregnancy and labor.

Even if you have an indoor pet, think about getting pet insurance. Hazards can occur even in the safety of your home, and these possibilities range from possible poisoning to the prospect of your pet slipping outside by accident. Even indoors, your pet could break a bone or a tooth and need expensive veterinary care.

TIP! Don’t neglect reviewing the bills you receive. Even with health insurance, things such as prescriptions might add surprises to your medical bills.

If you deal with a pre-existing health condition, check with a number of companies prior to enrolling with one for health insurance. Some insurance companies will not insure those with pre-existing conditions, and some charge very expensive premiums for them. You can get the best coverage at the lowest rate if you take the time to do some research.

TIP! Even if you have an indoor pet, think about getting pet insurance. Hazards can occur even in the safety of your home, and these possibilities range from possible poisoning to the prospect of your pet slipping outside by accident.

There are a multitude of options available to you when purchasing health insurance. Before signing an insurance policy, do enough research so that you’re sure you are getting the right plan at the best value. Be certain that you fully comprehend every little detail prior to choosing.

TIP! There are a multitude of options available to you when purchasing health insurance. Prior to getting health insurance through your job, or even talking to an insurance agent, do your homework about what options are available to you.

One technique you can use to save on health-related costs is to request that your doctor double the dosage of any pill prescription being provided. Many times, the larger-dosage pill does not cost twice as much as the smaller dosage, so if you split each double-dose pill, you can save some money on your prescription pills. A pill splitter will pay for itself in not time.

TIP! If you qualify, you may be able to get a discount medical care card, which can allow you to change to a lower cost insurance plan at your insurer. These cards allow you to visit physicians in their network who have lower costs for low-income patients.

Since there are so many factors that influence health insurance policies, you need to make sure you are organized and aware of what you need. As you begin, be certain to have your paperwork close at hand, be ready to honestly assess your health care priorities, and make sure to review multiple carriers prior to choosing the company best able to provide the services you need.

TIP! Ask your doctor or health insurance provider if they are releasing your records to the Medical Information Bureau. This gives you the opportunity to receive a free set of your health care records once per year.

Chronic illness can drive up health insurance costs, so start eating healthy to stave off disease. The medical industry agrees that years of poor eating habits have helped cause chronic diseases. Some of these diseases require expensive treatments. Vegetarian diets are great for preventing these kinds of illnesses. Some insurers have recognized this fact and offer discounts to people who are vegetarians. Not only can this way of eating improve your health, but it can reduce the amount you pay for healthcare.

TIP! You need to make sure you know exactly what is included in the health insurance policy. Make sure you know what is and isn’t covered.

For example, if you already have a doctor that you are comfortable with and trust, then your doctor is one of the things your health insurance policy must account for. This means you should not purchase a policy that forces you to use a different doctor. Ask him which insurer he is partnered with, if any.

Ask your doctor if there is a service YOU provide that you could use to barter! The daughter had her headaches treated, and the doctor got a web presence.

TIP! Some insurance companies have been known to deny women coverage because they have undergone C-sections, which is an expensive procedure. Because the insurance company knows they may have to pay that cost again, they’ll raise rates or refuse to provide coverage.

Inquire as to whether or not your health insurance provider or personal physician is giving the mandated copies of your records to a local Medical Information Bureau. If so, you can get a free copy of your records once a year!

TIP! Take advantage of the Internet! You’ll be able to compare rates and get a variety of quotes with just a few clicks. You may visit the sites of different carriers to get quotes or use websites that are marketplace sites that offer quotes from different companies.

Insurance companies want to earn a profit, so it is not always in their best interest to make it easy for you to find an affordable plan. If you keep this article’s advice in mind, you could save yourself some needless hassle and expense the next time you shop for or renew your health insurance policy.

It Is Important To Have Health Insurance For You And Your Family

TIP! If you have finished college recently, you should look for a good health coverage. Perhaps you can get insurance through your employer.

Uncertainty is felt by anyone facing an insurance dilemma, whether it be purchasing a new policy, trying to reduce your premiums, or just finding the right coverage for yourself. This article provides a great deal of useful information that can aid you in avoiding mistakes that can cost you a lot of money.

Health Insurance

TIP! Choose catastrophic insurance coverage over comprehensive to lower your premiums. Catastrophic coverage only kicks in for emergency care and hospitalizations, whereas comprehensive coverages includes coverage for prescriptions and visits to the doctor.

If you graduated from college recently and shopping for health insurance, then you can choose from a few different options. If you are employed, see what insurance options are offered through your employer. If you are younger than 26, you can still be covered by your parents, or you can research personal health insurance policies.

TIP! Health insurance can help you pay less taxes. Many people are not aware that your health insurance premiums count as a tax deduction.

You should review your prescription coverage every year. Every year, when you re-enroll in your insurance plan, your insurance company has the right to change the plan terms. Read all the paperwork when you re-enroll and ask your insurance agent to clarify anything you’re confused about. In particular, keep an eye on the prescription drugs covered by your plan and note changes that may occur from year to year. When your daily meds are dropped by your health insurer, then start the hunt for a new plan right away.

TIP! Regardless of the kind of policy you have, choosing generic medications will always save you money. There are only rare times you can’t get generic medicine, and most studies show there is not a measurable difference between brand and generic, save the name.

Check the state and federal tax guidelines to determine which medical costs can be deducted on your tax return. One commonly-overlooked tax benefit is that your premiums are actually tax deductible. Other tax-deductible expenses associated with health care include out-of-pocket costs for deductibles, prescriptions, and doctor visits that your insurance doesn’t cover. State and federal taxes can differ, so double check the guidelines.

TIP! Starting a personal Health Savings Account or HSA is a good idea if you are among the lucky few that rarely goes to a doctor’s office. The money saved can be set aside in case it becomes necessary to pay for a premium.

Regardless of the type of health insurance you have, you’ll save a lot of money by opting for generic drugs over their name brand equivalent. In very rare circumstances a generic won’t be available to you. Generics have been proven to be as effective as any name brand.

TIP! Even if you have an exclusively indoor pet, you should still buy pet health insurance. Just as people are susceptible to illness and accidental injury, so too are our pets.

Private insurers are regulated by the local state government insurance agency, which means that insurance cannot travel with you across state lines. This can restrict you from being treated at hospital which is out of your state, because your expenses might not be covered. Just be sure to figure out what your insurance has to offer when it comes to coverage so you know what to expect.

TIP! If you are suffering from any disease or condition, make sure you find out what your health insurance company thinks of that! You may not even be approved with certain conditions, and some companies will approve you and then charge you a massive premium surcharge. To get a great price, research as much as possible.

Make sure that your health insurance plan covers pregnancy expenses before you get pregnant, and if yours doesn’t then you’ll need to find one that does. It’s important to find out, as some insurance plans are unable to be used for certain services during labor and pregnancy.

TIP! When you go to switch your insurance policy, make sure to get all the information about your current plan. Have the facts on payout limits, deductibles and other out-of-pocket amounts, as well as monthly or annual premiums.

Pay very close attention to each aspect of your bill. Even when having a plan related to health insurance, you could be in for a shock with some bills you weren’t expecting, such as the high cost of some medications. Many doctors just write the prescription without even thinking of offering you the option of a generic medication. Additionally, find a pharmacy with low prices. Generic medications are often less expensive, but different pharmacies may charge different amounts.

TIP! Keep a record of your expenses for medical coverage if you are thinking of changing your health insurance plan. Keep up with the amount you spend on out-of-pocket expenses, deductibles, and coverage for every member of your family to ensure it fits within your budget.

When switching to a new insurance policy, make sure you review all the details to understand the differences from your previous policy. Make a note of annual payments, any deductibles you have, and what is covered after you have reached your deductible. Take all of this information, and your current plan, with you when you are hunting for a replacement policy.

TIP! Before you choose a health care policy, make sure you are prepared by taking into account the varying elements available. Before beginning, be sure that you have all important papers in order, that you’ve made note of any questions to want to ask, and that you’ve researched a variety of companies.

Your enrollment, or even worse your claim, could be rejected due to incorrect information being provided. By simply looking through your enrollment form after you are finished, you will ward off many of these issues.

TIP! Health insurance costs you more than just the premiums you pay each month. There may also be a fixed amount required each time you visit a doctor or hospital.

You might be able to qualify for a medical care card which entitles you to discounts, reducing the cost of your insurance policy as well. These cards permit you to visit doctors within their network, who offer reduced cost care for low-income families. You may also be able to get a spending account for health purposes, and an insurance plan that covers what it costs.

Vegetarian Diet

TIP! Health insurance is as important for children as it is for any other person. Children get many illnesses that can be expensive to treat, and special needs like braces or broken bones can be devastating to the pocketbook if you don’t have coverage.

Health insurance policies can be very costly with pre-existing conditions, so try and live healthy. The medical and nutrition industries agree that poor eating has caused chronic illnesses to develop. It is very expensive to acquire treatment for these diseases. Your best option is to prevent the development of these diseases by adhering to a healthy, vegetarian diet. There are many insurers that are starting to recognize this. Having a vegetarian diet can let you live longer and pay less for health insurance.

See if your doctor would be interested in bartering services with you, should you possess a skill that could benefit the doctor. Bartering can be beneficial to both parties.

TIP! Look on the Internet to look for prices on health insurance. This will help you find the most cost effective policy.

Now that you’ve read this article, you should be able to make decisions regarding insurance with confidence. You can use your funds the right way and be sure you are covered sufficiently.

Get Smart, Get What You Deserve And Follow These Tips On Health Insurance

There are many different types of health insurance and even more insurance companies. Conducting research and recording notes will enhance your search. Study first before you decide. The advice herein will get you started in choosing the best health insurance for you.

Health Insurance

Research the extent of a policy’s coverage before you purchase health insurance. Having good health insurance that makes up for the coverge gaps in other types of insurance can make a huge difference in how you get through any down time without negatively affecting your finances.

If you just graduated from college, and you need health insurance, you have a couple of different options to think about. If you are currently employed, you may be eligible for your employer’s insurance plans. If you are not yet 26, you can remain on your parents’ health insurance, though you may want to look into getting your own coverage.

Reevaluate your insurance plan during your open enrollment period to make sure you are getting the best coverage that meets your needs. You might find that old choices in your health insurance plan just do not make sense anymore for your current situation. You should also take advantage of the open enrollment period to make adjustments to your dental and vision care policies if these benefits are offered by your employer.

Keep track of your prescription coverage. Which medications are covered by your insurer, and which are not, can change regularly. Make sure you are aware of any changes your policy may be making before you decide to sign up again. If you need medication on a regular basis and your insurance company no longer covers it, you need to find a new insurer.

Health Insurance

Let your health insurance get you money back on your taxes! The premiums that you pay for your health insurance are actually tax deductible! The money you pay for deductibles, visits or prescriptions that aren’t covered by insurance are also deductible. State taxes are different from federal taxes, so make sure you check guidelines.

Health insurance policies often have loopholes or exemptions in them. You need to thoroughly read your policy, so that you understand what it says and are not caught off guard if they say they will not cover something. Be prepared to pay for some things that will not be covered, such as some medications or procedures.

Regardless of the kind of insurance policy you have, you will save money if you always choose generic prescription drugs. Generics are available in most cases and contain the exact same ingredients as a brand name.

See to it that you check with the doctors and hospitals you’re comfortable with and make sure they accept the insurance you are considering. The insurance company you are considering will usually post a list of providers in your area who are on their approved list, but it still wouldn’t hurt to call for a confirmation or update.

Health Insurance

Although it may seem that the options for health insurance are overwhelming, you can find the one right for you. You simply have to research different health insurance policies and talk to insurance agents to figure out which policy is best for you. The advice in this article will help you to decide which is the best health insurance for you.

Expect The Unexpected When It Comes To Your Health And Follow This Advice On Getting Health Insuranace

TIP! When buying health insurance, you must make sure to read all the fine print, and understand what is covered under the policy. It is vital to have extra coverage if it turns out that you are not able to return to work for a considerable amount of time.

In order to keep up with your health, you have to have good health insurance that caters to your needs. Read this article to find out how you can choose and keep the best health insurance policies.

TIP! Reevaluate your insurance plan during your open enrollment period to make sure you are getting the best coverage that meets your needs. Perhaps your situation has changed and your policy is no longer adequate.

When you are planning on buying your own health insurance plan, first you need to figure out what all the costs will be. Things like premiums, deductibles and co-pays aren’t easy to everyone to understand, so be sure you learn what you need to comprehend the charges so that you can accurately estimate what you’ll be paying.

TIP! Bear in mind that the costs for individual policies are usually higher than those of group insurance offered by employers. You might have to deal with a higher deductible or less coverage, or both.

Ask your employer about any existing employee wellness program. A lot of employers give out incentives for their employees in order to have their lifestyle and health assessed. Your company saves money on its portion of employee health insurance if the employees remain healthy.

TIP! Re-assess your prescription coverage every year. Every year, when you re-enroll in your insurance plan, your insurance company has the right to change the plan terms.

You should review your prescription coverage every year. Sometimes health insurers change the medications they will cover, so each year when you re-enroll, review the terms carefully. If a pill you are using every day is no longer covered, you might want to switch to another insurance company.

TIP! The way you manage your health care insurance may actually earn you tax breaks around April. The premiums that you pay for your health insurance are actually tax deductible! The money spent on deductibles, prescriptions and co-pays for doctor visits are also deductible.

You can be charged an additional fee if any of the people covered under your health insurance policy is entitled to insurance through their employer. You need to figure up the costs for either scenario here. You may find that it’s cheaper just to have separate insurance policies through your own employers.

TIP! Expect health insurance policies to have hidden loopholes within the fine print. Make sure you read the policy thoroughly, so there are no surprises about what it doesn’t cover.

It is cheaper to be on a group plan when you have insurance. Your rate will be lower if you are in a plan at work rather than an individual plan on your own. The best way to go about it is to join a trade organization that provides membership discounts in insurance premiums.

TIP! Do not volunteer any information if you get a phone call from an insurance company. Simply respond to whatever questions they ask.

Don’t neglect reviewing the bills you receive. You’d be surprised of how many bills you receive even with insurance, such as those for prescription drugs. Some doctors only prescribe brand-name medication without regard for the cost because they haven’t considered the generic version. Also, shop around. Even generic medication prices can vary at different pharmacies.

TIP! Generic prescriptions are a great way to reduce cost, regardless of what type of insurance policy you have. Generic drugs contain the same active ingredients as brand name medications, and are available for most prescription medications.

Catastrophic health insurance is good for those who can’t afford ordinary, comprehensive insurance but need something in the event of a significant life altering event. It can also be added as an extra to your health coverage.

TIP! Make sure that your insurance plan covers all aspects of pregnancy and childbirth before getting pregnant. Some heath insurance policies do not cover some or all of pregnancy-related services.

If you are thinking about catastrophic health insurance, you need to do some serious research. It needs to cover relevant types of catastrophic events. You should also consider Health Savings Accounts as a good alternative coverage option for those events that insurance will not cover.

TIP! Catastrophic health insurance is good for those who can’t afford ordinary, comprehensive insurance but need something in the event of a significant life altering event. It’s also good to add it to your comprehensive policy as an added coverage in case of extreme circumstances.

Having pet health insurance is a good idea, even for pets who are kept indoors all the time. There are a lot of ways your pet can bet hurt inside, and if they get out, it can be a disaster. Though your pet may be indoors, it could still manage to chip a tooth or damage a part of its body, for which treatment will cost quite a bit of money.

Health Insurance

TIP! When you go to switch your insurance policy, make sure to get all the information about your current plan. Watch annual deductibles and payments, and see what kinds of medical costs are going to be covered when you reach the deductible.

When selecting health insurance, be aware you have many options. Research as many options as possible before signing up for health insurance. Don’t choose anything until you know what all the terminology stands for.

TIP! You must be aware that the costs you pay for health insurance are not just limited to your monthly premiums. Many health insurance providers will have you pay a co-payment or fixed amount of money for each time you make a visit to a hospital.

Know how much you spend on medical coverage and other medical expenses if are ready to change health insurance policies. Be aware of out of pocket costs for coverage and deductibles and who they apply to within your family.

TIP! Make sure that your physician is keeping and providing your community Medical Information Bureau with your medical records. If they do, it is possible to get a complimentary copy of your medical records one time per year.

If going solo in your search for a health insurance policy is a frightening prospect to you, then consider using an insurance broker. A good broker finds the optimum policy for you at a price level you can live with. A broker will also be intimately familiar with the regulations and requirements of your state. Compare the prices of insurance brokers prior to choosing one.

TIP! It is so important to understand what is covered by your insurance policy and what is not covered. The price differential from in versus out of network visits and care can range from hundreds to even thousands of your precious and hard-earned dollars.

Your good health is of course, a major priority for you. If you would like to be sure you remain in good health, get good health insurance. Use the advice laid out in this article to be sure you can get and maintain excellent health insurance.

Health Insurance Decisions Are Hard To Make, Use These Tips

Understanding the complexities of different health insurance policies is not always easy. It doesn’t have to be, though. In this article, you will find information and tips about health insurance, which will enable you to have a better grasp on this topic. Utilize this information, and use it to guide in your decision-making process concerning your health insurance.

Ask your employer about any existing employee wellness program. Many employers offer incentives for employees to have their health and lifestyles assessed. You could then register for exercise programs in order to assist your company in saving money on insurance coverage, which can decrease your premiums.

If you receive a telephone call from a health insurance provider during the application process, do not volunteer information. Answer only the questions that are asked. If you volunteer extra information they will make a record of it, and may use it to raise your premiums, or even deny you insurance coverage at all.

Regardless of the type of health insurance you have, you’ll save a lot of money by opting for generic drugs over their name brand equivalent. Only in rare cases will you not be able to receive generics, and multiple studies show that there is no difference in the drugs except for their brand name.

Look into different health plans, and decide on the one that best fits your needs. You can pick from PPO, HMO and POS. Each has different options to choose from that you will need to research and decide on before purchasing. If you have an established relationship with a trusted physician, you should verify that he or she is considered a preferred participant on your plan’s network.

Some employers do not let your spouse ride on your insurance without a spousal surcharge if your spouse’s employer also offers insurance. It’s possible that it’ll be cheaper for the both of you to get insurance through your own employers, so take the time to calculate your costs in both situations.

Pay very close attention to each aspect of your bill. Even when having a plan related to health insurance, you could be in for a shock with some bills you weren’t expecting, such as the high cost of some medications. Many doctors just write the prescription without even thinking of offering you the option of a generic medication. If you can use different pharmacies, do some research to find out which one has the best prices. Some generic medications cost less at different pharmacies.

Catastrophic coverage is insurance that covers sudden, unexpected injuries or illnesses that are life threatening. This option is good for those who can’t afford comprehensive insurance. This type of policy will also provide benefits to your overall health care portfolio in that you will be protected if extreme situations arise.

Even indoor pets can benefit from having a health insurance plan. Dangers involving poisoning and injury abound, and your pet always runs the risk of encountering them. Veterinary care can be very expensive, even for something as small as a broken tooth.

You would do well to thoroughly digest all written material regarding your health insurance policy. Providers send booklets that cover the details in your policy. Read the whole thing so you’ll better understand your benefits. It can be tedious, but it will be worth it when you find things you didn’t know were covered.

Keep track of all the expenses that go into your medical coverage, and even outside of it, when you are getting ready to switch health insurance policies. Gauge the amount you can afford to pay in deductibles and coverage for yourself and your family.

Health Insurance

As you’ve read, people often believe that it’s too difficult for them to educate themselves about health insurance. If you learn more about the details of health insurance, you will see it is not complicated after all. By reading this guide, you have already started educating yourself in the vital aspects relating to health insurance.

Confused By Health Insurance? Enjoy These Top Tips!

A lot of people don’t buy health insurance because they feel it is too expensive. Health insurance providers can usually offer a wide variety of plans, but it’s tough to know which is best. The tips in this article can help you understand the types of health insurance policies that are available to you and the differences in providers.

Your first step in acquiring a new health insurance package should be crunching the numbers and coming up with a rough estimate of the total costs involved. Things like premiums, deductibles and co-pays aren’t easy to everyone to understand, so be sure you learn what you need to comprehend the charges so that you can accurately estimate what you’ll be paying.

Ask your employer about any existing employee wellness program. A lot of employers have incentives when their employees have their lifestyles and health assessed. Fitness regimens might be available to you that can cut down on corporate insurance costs, as well as your personal premiums.

To save the most money possible on health insurance premiums, consider catastrophic coverage instead of a more comprehensive one. While comprehensive has more benefits, catastrophic only covers emergency care and hospital care.

Expect health insurance policies to have hidden loopholes within the fine print. It is essential to read your insurance policy thoroughly to familiarize yourself with what is and what is not covered. Understand that you may have to pay on your own for things that are not covered, such as certain procedures or medications.

Health Insurance Plan

Decide which health insurance plan will fit your needs the best. Select between a HMO, POS and PPO company. Consider all the options offered by each health insurance plan before deciding which one to purchase. If you are pleased with your current physician, make sure he is a preferred provider for your health plan.

Prescription coverage varies by plan, and may have limitations that affect you, so read your policy to see what’s covered. Since this prescription list changes often, you should be sure to check it when you enroll again.

A group plan offered by your employer will always be cheaper than individual insurance, as your employer will be able to negotiate discounted rates due to buying policies in bulk. The best way to go about it is to join a trade organization that provides membership discounts in insurance premiums.

If you are thinking about getting catastrophic health insurance for a coverage option, make sure that you do your homework first. Be sure the catastrophic events you worry about are actually covered. Catastrophic coverage is best for people who have developed a serious illness that will be extremely expensive to treat.

If you don’t, insurance companies could dismiss your enrollment or deny a claim just because you gave some wrong information. Carefully read your enrollment form and double-check it before submitting it.

Health Insurance

If the ins and outs of health insurance are too perplexing for you, hire an insurance broker. They can help you find good health insurance at a great price. Your insurance broker will be well aware of state regulations. Not all insurance brokers are the same, so look through reviews and pricing before choosing one.

If you qualify, there may be a discount medical card you can get, which will allow you to switch to lower cost insurance with your insurer. This card would enable you to go to physicians within their specific network that provide medical care at a reduced cost, specifically for lower income families. By using the card mentioned, you can land the Health Spending Account, which will often cover every penny of the remaining charge.

Insurance companies want to earn a profit, so it is not always in their best interest to make it easy for you to find an affordable plan. Use your annual open enrollment opportunity to make sure your health insurance policy is still the best option.