A Health Plan That's Right for You
No one plans to get sick or hurt, but without health insurance, getting the medical care services you need can be difficult. Whether it's getting a prescription, a lab test, or a simple visit to the doctor, a proper health insurance plan can help you avoid an expensive bill after an injury or illness. Plus, with government programs available, finding reliable coverage may be easier than you think.
Although all health insurance plans will give you access to medical care services, not all policies are the same.
When selecting a health insurance plan, it's important to understand the differences between each to help you decide which is best.
The Different Types of Health Insurance Policies
EPO stands for Exclusive Provider Organization. EPO plans offer a local network of doctors and hospitals that you can choose from. EPO plans are usually less expensive than PPO plans but have a limited number of providers to choose from. EPO plans may cost less than PPO plans, but limit your care to in-network providers (except in an emergency situation). If you decide to see a provider outside of your network, care will typically not be covered.
When Is Open Enrollment for Health Insurance Coverage?
Open enrollment is the time of year when you can sign up for a new health insurance plan or adjust your current coverage. In most states, open enrollment for health insurance coverage typically begins on November 1 and ends on January 15.
If you miss traditional open enrollment periods, finding coverage is still possible. Together with Lighthouse Insurance Group, AIS has made it easy to purchase coverage at any time. To learn more about your coverage options, call (216) 255-5573 to speak with our trusted partner or begin the process online.
For more information regarding open enrollment periods, visit healthcare.gov.
Additional Insurance Resources
An Overview of Life Insurance
A life insurance policy can help protect your family financially when life takes an unexpected turn.
Understanding Umbrella Insurance
Umbrella insurance can extend your current coverage limits over your assets and future earnings.
Life Milestones That Affect Your Auto Insurance
It's common to see changes in your auto insurance rate following these life milestones.
When Should You Purchase Life Insurance?
Most people don't consider life insurance until they're much older, but how does age affect your rate?