Get Personalized Health Insurance Quotes

Select Currently Insured None Other 21st Century Insurance AAA Insurance Co. AAA Insurance Co AARP AETNA AFLAC AIG AIU Insurance Allied Allstate Allstate County Mutual Allstate Indemnity Allstate Insurance American Alliance Insurance American Automobile Insurance American Casualty American Deposit Insurance American Direct Business Insurance American Empire Insurance American Family American Family Insurance American Family Mutual American Financial American Health Underwriters American Home Assurance American Insurance American International Ins American International Pacific American International South American Manufacturers American Mayflower Insurance American Motorists Insurance American National Insurance American Premier Insurance American Protection Insurance American Republic American Savers Plan American Service Insurance American Skyline Insurance Company American Spirit Insurance American Standard Insurance - OH American Standard Insurance - WI AmeriPlan Amica Insurance Answer Financial Arbella Associated Indem Assurant Atlanta Casualty Atlantic Indemnity Auto Club Insurance Company AXA Advisors Bankers Life and Casualty Banner Life Best Agency USA Blue Cross and Blue Shield Brooke Insurance Cal Farm Insurance California State Automobile Association Chubb Citizens Clarendon American Insurance Clarendon National Insurance CNA Colonial Insurance COMPANY NOT LISTED Comparison Market Continental Casualty Continental Divide Insurance Continental Insurance Cotton States Insurance Country Financial Country Insurance and Financial Services Countrywide Insurance CSE Insurance Group Dairyland County Mutual Co of TX Dairyland Insurance eHealthInsurance Services Electric Insurance Erie Insurance Company Erie Insurance Exchange Erie Insurance Group Erie Insurance Property and Casualty Esurance Farm Bureau Farm Bureau/Farm Family/Rural Farmers Insurance Farmers Insurance Exchange Farmers TX County Mutual Farmers Union FinanceBox.com Fire and Casualty Insurance Co of CT Foremost Foresters Geico GEICO Geico Casualty Geico General Insurance Geico Indemnity GMAC Insurance Golden Rule Insurance Government Employees Insurance Guaranty National Insurance Guide One Insurance Hartford Accident and Indemnity Hartford Casualty Insurance Hartford Fire Insurance Hartford Insurance Co of Illinois Hartford Insurance Co of the Southeast Hartford Omni Hartford Underwriters Insurance Health Benefits Direct Health Choice One Health Plus of America HealthShare American Humana IFA Auto Insurance IGF Insurance Infinity Insurance Infinity National Insurance Infinity Select Insurance Insurance Insight Insurance.com InsuranceLeads.com InsWeb Integon John Hancock Kaiser Permanente Kemper Lloyds Insurance Landmark American Insurance Leader National Insurance Leader Preferred Insurance Leader Specialty Insurance Liberty Insurance Corp Liberty Mutual Liberty Mutual Fire Insurance Liberty Mutual Insurance Liberty National Liberty Northwest Insurance Lumbermens Mutual Maryland Casualty Mass Mutual Mega/Midwest Mercury MetLife MetLife Auto and Home Metropolitan Insurance Co. Mid Century Insurance Mid-Continent Casualty Middlesex Insurance Midland National Life Mutual of New York Mutual Of Omaha National Ben Franklin Insurance National Casualty National Continental Insurance National Fire Insurance Company of Hartford National Health Insurance National Indemnity National Union Fire Insurance of LA National Union Fire Insurance of PA Nationwide Nationwide General Insurance Nationwide Insurance Company Nationwide Mutual Fire Insurance Nationwide Mutual Insurance Nationwide Property and Casualty New England Financial New York Life Insurance Northwestern Mutual Life Northwestern Pacific Indemnity Omni Indemnity Omni Insurance Orion Insurance Pacific Indemnity Pacific Insurance Pafco General Insurance Patriot General Insurance Peak Property and Casualty Insurance PEMCO Insurance Physicians Progressive Progressive Insurance Progressive Auto Pro Prudential Prudential Insurance Co. Reliance Insurance Reliance National Indemnity Reliance National Insurance Republic Indemnity Response Insurance SAFECO Safeway Insurance Safeway Insurance Co of AL Safeway Insurance Co of GA Safeway Insurance Co of LA Security Insurance Co of Hartford Security National Insurance Co of FL Sentinel Insurance Sentry Insurance a Mutual Company Sentry Insurance Group Shelter Insurance Co. St. Paul St. Paul Fire and Marine St. Paul Insurance Standard Fire Insurance Company State and County Mutual Fire Insurance State Farm State Farm County State Farm Fire and Cas State Farm General State Farm Indemnity State Farm Insurance Co. State Farm Lloyds Tx State Farm Mutual Auto State Fund State National Insurance Superior American Insurance Superior Guaranty Insurance Superior Insurance Sure Health Plans The Ahbe Group The General The Hartford TICO Insurance TIG Countrywide Insurance Titan TransAmerica Travelers Indemnity Travelers Insurance Company Tri-State Consumer Insurance Twin City Fire Insurance UniCare United American/Farm and Ranch United Pacific Insurance United Security United Services Automobile Association Unitrin Direct Universal Underwriters Insurance US Financial USA Benefits/Continental General USAA USF and G Viking County Mutual Insurance Viking Insurance Co of WI Wawanesa Western and Southern Life Western Mutual Windsor Insurance Woodlands Financial Group Zurich North America

Coverage Amount $10,000 $25,000 $50,000 $100,000 $200,000 More than $200,000

Married Single

Get Quotes

Tips to Consider Before 2020 Open Enrollment Period Begins

Looking for the right health insurance coverage can be undoubtedly challenging. Every year, you and many others are searching for new policies that can lower co-pays, out-of-pocket expenses, and deductibles. Leading up to the annual enrollment period, employers will circulate guidelines and reminders that the season is approaching. With the pressure of picking a plan that fits all of your needs, it is important to learn more about open enrollment before selecting a new plan.

What is Open Enrollment?

With only 39 percent of employees being confident in their insurance selections, it is important to understand what you are signing up for. The definition of open enrollment is the period of time in the years where an employee can change or update existing plans or choose a new one. It allows for those who have not signed up for health insurance to choose a policy, allows others to change their benefits, or add children or a spouse. New employees also have the eligibility to choose coverage through the employers HR benefits. This include dental, health, vision, and pet care.

When is Open Enrollment?

Some states have varying open enrollment periods, along with the pandemic, it is sure to be interesting to see how open enrollment will be handled moving forward. For most, open enrollment is between October 15^th and December 7^th. Citizens who use individual insurance plans like the Affordable Care Act, open enrollment is between November 1^st and December 15^th.

How Does Open Enrollment Work?

For those waiting on employer benefits, open enrollment depends on the submitted forms to the HR benefit providers. It is key to make sure an employee submits paperwork before the official deadline to ensure coverage. With each state varying, it is important to mark time on your calendar in November to ensure proper coverage.

What You Should Consider Before Signing Up

Signing up and enrolling into a new plan may be confusing. It is important to consider the following before finalizing your policy choices:

Consider Your Needs

It is important to consider what you may need from your health insurance if there have been changes over the past year. For example, for those in their early 20’s, they still have the option to be included in their parent’s health insurance. However, if you are 26, you will need full coverage of your own. If you have ongoing health issues, it is important to consider a coverage that has minimal out-of-pocket expenses.

Changes in Plans

If you already have an insurance plan, it is necessary to be on the lookout for changes in your plan. You may notice changes in premiums payable, co-payment figures, and deductible amounts. Employees may have different plans to choose from depending on their employer.

Changes in plans can be an option for a higher deductible health insurance plan compared to traditional coverage. If you are healthy and rarely visit the doctor, this pay be the cheaper option for you. However, those planning to see doctors and specialists regularly, traditional health insurance plans are the way to go.

Note Changes in Providers

Apart from choosing a plan, you should closely check to make sure your employer did not change providers for your benefits. With the insurance industry’s dynamic nature, employers can change providers to save costs of covering employees. If you do notice a change, your current doctors may not accept payment or coverage from your new insurance plan. Along with change in provider, it is important to notice the different regulations that come with it. For instance, you may need approval before visiting a hospital or may need to file claims for procedures. These are key indicators to know during open enrollment.

Bottom Line

Open enrollment is around the corner and it is the perfect time to adjust your benefits. Make sure to carefully read documents provided to you from employers or do the research to choose the essential plan you need. Open enrollment is the best time to shop around if you are looking for new coverage or looking to make adjust to current contributions. Use GetInsurancePricing.com to help you make the right choice for you and your family.