…or Private Marketplace Plan
An easy Get Covered Illinois health insurance plan may be just what you are looking for. Acquiring affordable health insurance should not make you feel overwhelmed. It’s smart to work to stretch your dollars by working with an agency that offers comparison shopping. Though many insurance marketplace agencies have popped up we recommend a few things to help you get the most for your money.
First, make sure your agent has an established good reputation. You can check with the better business bureau that gives ratings for insurance agents. The higher the rating is, the better they are in customer service excellence. Finding an A+ rated agent is a great start. Also, members belonging to NAHU, have at their core, a loyalty to the consumer which by reviewed ethics and accountability they maintain their accreditation. Other agents not reviewed tend to sell more generalized insurance policies that in the long run are not in the consumer’s best interests. We all know one size does not fit all.
Second, find and agent that offers Get Covered Illinois health plans but also offers health insurance policies through private insurance companies. This will enable you to get a quick and easy view of what the rates look like for different plans across the board. Certain people can qualify for subsidies that most would think are out of reach. Others may benefit more from a private plan that offers more coverage and has special programs or discounts within the plan.
Third, know ahead of time the topics you need to ask about. Common areas of concern are naturally the monthly rate and deductible amount, emergency room visits, family plans, in-patient and out-patient coverage, how preventative care is handled, whether or not doctor visits have co-pays or not, and of course, vision and dental coverage.
Be encouraged to ask question about parts you are uncertain of. CMS certified agents are trained to explain in layman’s terms the ins and outs of your insurance policy. Ask about any programs that might help you save money or discounts that you may qualify for.
Get Covered Illinois Enrollment Centers are now open with convenient walk-in centers, extended hours and on-line options for your convenience. The deadline for health care coverage is February 15, 2015. Fines will be instituted for those who have no health coverage and can run into the thousands.