health insurance los angeles: Open Enrollment Time

2007-08-14 11:06:01

( Health )



If you need health insurance california, you might be interested in health insurance san diego, health insurance san francisco, san antonio health insurance or health insurance los angeles.

When you choose health insurance los angeles, choose open enrollment time. This is when large company employees decide their benefits for the following year. And it seems that the choices are getting more and more numerous every year.

10 years ago companies didn’t offer such a wide array of customized benefits to suit all kinds of people:
• Partnered
• Single
• With or without children.

The decisions you make can make a big impact on your finances – so make sure you do it right.

So how do you make these smart decisions?

Health Insurance
This is the biggest reason you will have for having open enrollment. There are either too few or too many choices. Comparing all the alternatives for health insurance los angeles is a nightmare. But really, there are no easy decisions. However, basically here is what you should consider:
• Generally, if you have children or health problems, a health maintenance organization is probably your best choice.
• If you feel you can pay extra to have more control, better opt for a point-of-service plan. It works a lot like a health maintenance organization, but you can also use the service of physicians who aren’t part of the HMO network. But the physicians you want might already be in the HMO, so why pay extra for a POS plan.
• What if your health is good, you hardly go to a doctor and you don’t have children? The catastrophic plan is a good option if your company offers this. This way you pay for routine exams and medical visits, but huge hospital bills are insured in case of disaster. Your deductible will be high, but your premiums might only be a few dollars a month.
• Consider carefully whether you need dental and vision coverage. Look at the previous years’ expenses and weigh them up with what your out-of-pocket expenses would have been if you didn’t have them. Of course, if you think you might need major dental work / might have major eye problems, taking out insurance is definitely the best option.
• Does your partner have health benefits? Then co-ordinate your coverage. Work out whether it makes more sense to use one insurance to cover both or to keep separate coverage.
• Remember, your employer will usually carry on with your old plan unless you actually choose a different one. And if the current option isn’t available you could get given a plan you don’t like.


All rights Reserved © Tradenet Services srl
Do not duplicate or redistribute in any form.