Changes In Health Plan? Questions to Ask Your Agent During the AEP

With the 2019-2020 Annual Enrollment Period closing in, you should be hearing from your insurance agent in the following months. With this call, you might hear good news regarding your plan whether that’s lower prices or even more benefits. This call might also be letting you know of rising prices or even pull-outs of your favorite primary care physician. When you receive the call these are the questions you should be asking your insurance agent to better understand your plan changes.

How Is your Doctor Network?

With a new year comes new health plan changes. Behind the scenes, your health insurance company has been working with your local doctors and doctors offices to either progress or regress. This means that the companies network could have expanded giving you more options. It also means that your insurance company could have pulled out of your area. Depending on the end result, you might be given more options to more doctors or your favorite has shifted away from working with the health insurance company.

New Benefits

Health companies are constantly in competition. With this fact, your insurance company might have upped your benefits to sway you to stay. Ask your agent about the new benefits that interest you. Maybe it’s a certain amount fo free rides to and from the doctor’s office. It might be a free or reduced gym membership. It could even be a wider range of benefits that help with vision and dental. Knowing your benefit updates can help change your choice in health care provider.

Changes In Premium

We all want to save money specifically when it comes to your monthly premiums. With your current cost of a mortgage, utilities, food, & transportation will a $25 rise in the premium set you back? How about a lower monthly premium of $25? If your insurance cost shifts up or down will it leave a huge impact on your ability to be set each month?

Changes In Drug Plan

How are your plans preferred drug list looking? If you have had serious changes in your health, there might be new medications you need in order to keep yourself in top form. Talk to your agent about the new formulary list which can give you insight on new drugs covered and how much they cost. Be sure to check the numbers, see if a pharmacy is close to you/convenient.

Since insurance is oftentimes overwhelmingly confusing, we want to shed light on this industry by answering YOUR questions.  If you have any questions, comment below and your question may be the topic of our next post!

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