is open the registration season, but for many small businesses that do not offer group 
health plans, it is time of year when people in your company are trying to understand how is in the best plan of individual health. If you plan to help your employees pay for their own individual health plans, here's a checklist to help get the best coverage.
☐ Learn more about plan options
There are many different types of plans available on the individual market insurance, and Obamacare provides that these must all offer at least a basic level of care, but they differ in terms of monthly costs (premiums), available networks, and how much you pay out of pocket for care . In general, the plans are divided into three categories:
- HMO - Health Maintenance Organizations have set fees and co-pays and often no deductible, but you must have a primary care doctor who manages your care from an indication. network
- PPO -. Preferred Provider Organizations having an affected network doctors and facilities, but patients can go outside for care, and you pay co-pays and deductibles before receiving full coverage of benefits
- POS - point of service plans are a hybrid, where you choose a primary care physician, but you can choose providers outside the network and pay a greater portion of the costs
☐ [ Understanding the terminology
Health can be confusing, but it is essential that you learn the key terminology such as co-pays, co-insurance, and deductibles. This makes it easy to compare options when shopping for a plan.
☐ Ask questions
If you already have a primary care doctor and want to keep it, ask if they are covered by each plan. Those who have specific needs, such as pediatric or maternity coverage, should ask questions about what is covered, costs, and limitations to coverage under each plan.
☐ Compare costs
Each plan has different costs that go beyond the monthly premium. Be sure to compare the potential out-of-pocket maximum costs, any co-pays, deductibles, or other things that could affect your care. While nobody wants to plan a worst case scenario, it is important to think about the total cost of each plan and make sure it is still affordable. Also be sure to research, if any, grants are available to help reduce your monthly premiums.
☐ Prepare your financial and personal information
to apply for health insurance, you will need basic information such as household income, and social security numbers and birthdays for everyone that will be covered on the plan. If you come prepared with the following information, the application process for the coverage will be faster and easier :.
- Home and / or mailing address for everyone in your household who request coverage
- social security numbers for people in your household.
- Documentation verifying the legal immigration status, if applicable.
- Employer and income information for everyone in your household. This can take the form of pay stubs or W-2 forms.
- Your best estimate of your household income for 2016.
- policy numbers for any current health insurance plans covering household members.
- Finished "employer coverage tool" for all health insurance plans sponsored by the employer you or members of your household are eligible
Tip: . the form must be completed for all health insurance plans sponsored by the employer that you are eligible. - not just those that you are registered in
- If you health coverage now, notices from your current plan that includes your ID plan.
Conclusion
Whether you are a small business looking for ways to help employees enroll in Medicare or individual planning to shop the market insurance, use this list to ensure you get the best possible coverage.
Have you questions about the registration process for individual health insurance plans? Ask us in the comments below.
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