Well, open enrollment is in full swing for healthcare plans starting 2015 - in fact if you’re choosing an individual or family plan off the exchange, you have until December 15th to pick a plan and enroll! So get to it. Even if you are insured through your employer, you are likely being offered new plans to choose from and are bound to the same timeline.
Having trouble making heads or tails of the coverage options and what is best for you? Guess what - you’re not alone. The theme of the week in my office has been patients asking me what insurance plan is best, so I’m putting to paper my general recommendations based on healthcare updates in 2015.
A Quick Guide to Healthcare Plans in 2015
Simply put - what type of insurance plan is best for you depends completely on how you use healthcare. Do you go to the doctor often in addition to your annual exam? Do you have children? A chronic illness? Or do you primarily use complementary and alternative care such as Acupuncture, Chiropractic and Naturopathic care? Here are some simple recommendations for Oregon healthcare plans in 2015:
Best Insurance Plan for a Family - low deductible or copay plan ideal
Best Insurance Plan for a Healthy Individual - HSA or catastrophic
Best Insurance Plan for Complementary and Alternative Medicine(CAM) - included CAM benefits or HSA
Best Insurance Plan for Chronic Illness - HSA or low max out of pocket with good pharmacy benefits
Stay Tuned for a Step by Step Guide and Glossary of Terms
There was way too much information to put in one blog post, so stay tuned to next week! If the guide above doesn’t give you enough information, next week (still before the deadline!) I’m going to give you a step by step “how to” guide that will walk you through assessing how you use healthcare and how to use that information to figure out what plan is best. AND I’m going to include a glossary of terms if things like “copay” and “coinsurance” and “deductible” make your head spin!
Health insurance is extremely important and extremely confusing, as well as a big investment of your hard earned cash. Spend the time to understand your options, speak to professionals and work with an agent to be sure you make the best choice for your individual healthcare needs!
Until next week, good luck!
Rebecca M H Kitzerow is a Licensed Acupuncturist practicing in La Center, Washington. With over a decade of experience she has won 10 Nattie consumer choice awards from Natural Awakenings Magazine since 2014.