During open enrollment you may enroll in health insurance coverage or make changes in your existing coverage. It is important that you understand all of your options and what may be best for you and your family.
The NH Insurance Department shares the following information to assist you in learning the differences in what is covered and what you will have to pay out of pocket.
Here are some questions to ask yourself before you start to look for insurance.
- Why do I need health insurance?
- Is the plan with the lowest premium really the most affordable?
- Who am I buying health insurance for? Do I need insurance for just me or my family or both?
- How long will I need to have health insurance? A year or a few months?
- Do I have a known health condition? Also known as a pre-existing condition.
- What prescription drugs will I need to have covered by my health insurance?
- Do I have a chronic health condition that will require me to see a specialist or receive treatment?
- Do I already have a doctor I would prefer to go to? Or do I need a new doctor? Is my doctor in the health plan’s network?
- What are deductibles, coinsurance and co-payments and can I afford it?
If you need enrollment assistance, please visit: HealthCare.Gov
If you’re a senior, you can contact www.servicelink.nh.gov or call the Service Link Resource Center at 1-866-634-9412 for information about Medicare plans.
If you need more information about using health insurance and navigating the system please visit: The NH Insurance Department at NH Health Costs or call (603) 271-2261, in state toll free (800) 852-3416, or email firstname.lastname@example.org.