Open enrollment is still ongoing, offering a chance to secure healthcare coverage for 2025. This article provides crucial tips on understanding your plan, verifying doctor and prescription coverage, and avoiding unexpected costs.
Looking into how your 2025 insurance plan covers your existing doctors and prescriptions can help fend off surprise bills later.The good news is that you won’t need to relearn the basics if your plan is changing in 2025. The bad news is that the risk of unexpected bills remains, in part because the fine print for most policies can get very complicated, said Gary Young, director of the Center for Health Policy and Health care Research at Northeastern University.
Here’s what to know to help keep your health care costs down in the year ahead, whether you’ve already received your new insurance card or are still shopping for coverage.. For many of them, the open enrollment period has been over for weeks, and they’ve already selected new coverage options or been automatically re-enrolled in their existing plan through the federal healthcare.gov portal last year. Open enrollment on that marketplace kicked off in November and runs until Jan. 31, meaning there’s still time to purchase your own insurance plan. So if you haven’t done so yet and intend to, make that your first priority this January.Most insured people are familiar with in- versus out-of-network costs, which arise from the discounted rates health plans negotiate with doctors and hospital systems. But some patients don’t realize there’s always the risk that practitioners they’ve seen for years could slide out of their insurance network. The start of the year is a great time to check. “It’s important to look at your plan documents ahead of time,” said Michelle Long, a patient and consumer protections analyst at KFF. You can either call your provider and ask, or search your plan documents, most of which are typically available online, Long said. Insurers are also required to list their in-network providers and pharmacies, which you can usually find via search tools on their websites. To anticipate charges, providers must also provide an estimate upon request for what certain services will cos
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