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5 Easy Steps to Prepare for Health Care Reform

Learn the 5 Easy Steps to Prepare for Health Care Reform.

Optima Health – Video Script

Topic: Five easy steps to prepare for health care reform.

For years, Optima Health has been preparing for Health Reform. But, what have you done to prepare?

Open enrollment begins October 1, 2013 and extends through March 31, 2014. There are some things you should know in order to make informed decisions. But don't worry!—we'll make it easy for you.

Here are 5 simple steps to prepare for Health Reform:

First: Explore your options

Ask your employer if they plan to offer health insurance. If not, you may need to purchase insurance on your own – either through an insurance provider or on the Health Insurance Marketplace. If you don't obtain coverage in 2014, you may face a tax penalty.

Step 2: Educate yourself

Make sure you understand some of the tricky terms like deductibles, coinsurance and health savings accounts, and the difference between plan types. Being educated will make it easier to compare options while you shop.

Step 3: Ask a lot of questions.

  • Ask if you can keep your physician
  • Or you may want to know about specific benefits such as pediatric dental or maternity coverage.
  • If you're 26 or younger, you may want to ask about continued coverage on your parent's plan – even if you're all grown up with a job and an apartment of your own.
  • And you definitely want to ask if you qualify for a subsidy or tax credit to help make your health insurance more affordable.

That leads us to Step 4. Get your ducks in a row.

Before you purchase health insurance, you'll want to gather some information about your household income.

You'll also need to provide social security numbers and birth dates for each member of your family you will insure.

Decide how you want to pay for your monthly premiums – and be prepared with your payment information.

Speaking of payment, let's jump to Step 5: Set a budget.

You'll want to determine how much you can afford to spend on premiums and other health care expenses each month. Remember to consider expenses that are not included in most premiums, such as copayments and coinsurance.

Feeling more prepared now? If not, let Optima Health help you sort through your options.

Visit us online at www.optimahealth.com/healthreform or call 1-855-434-3268 to speak with a personal plan advisor who can help you choose a plan that's right for you.