Essential Year-End Health Insurance Tips: Don’t Miss These Key Steps
Critical Health Insurance To-Dos: Prepare for 2024 with Confidence
As the year winds down, it’s important to ensure your health insurance is ready for the new year. With only a few weeks left in this enrollment period, take these steps to avoid surprises and make the most of your coverage.
- Verify Your Coverage and Details
You should have received your health insurance cards by now. Take a moment to:
- Check Plan Accuracy: Confirm the plan details match what you signed up for.
- Verify Your Primary Care Provider (PCP): If you have an HMO, ensure the assigned PCP is correct. If you need to make changes, do so before January 1 for it to take effect immediately.
- Create and Log Into Your Online Portal
Your insurance provider’s portal is an invaluable tool:
- Payment Confirmation: Ensure your January premium has been paid, especially if you rely on auto-pay.
- Digital ID Cards: Download your ID cards for easy access.
- Plan Benefits: Explore additional benefits like wellness incentives, gym discounts, and cash rewards for healthy activities.
- Address Unexpected Premium Changes
If you missed the December 15 deadline to renew or change your plan, and you’re now facing a significant premium increase:
- Contact me to adjust your plan for a February 1 effective date.
- For those losing coverage due to special circumstances, you may have until December 31 to make changes.
- Utilize Wellness Incentives
Many plans offer rewards for healthy habits:
- Gym Discounts: Take advantage of reduced memberships.
- Cash Payments: Earn rewards for completing wellness activities like filling out surveys, tracking your steps, or logging sleep.
- Avoid January Surprises
Taking care of these details now ensures a smooth start to the new year. Having your plan in place and ready means no scrambling during an emergency or trying to resolve coverage issues while you should be focusing on your health and goals.
Take Action Today
This is your chance to get everything set for 2024. Need help reviewing or adjusting your plan? Don’t wait! Schedule an appointment at jkappconsulting.com, and let’s make sure you’re prepared for a stress-free year.
