Finding out how you can get health insurance may seem like a difficult task, but it’s actually easier than you might imagine.
In fact, the process of enrolling in a plan can be divided into four easy steps
STEP 1: assess your needs
Start by looking at your medical needs and those of your family. Remember to think about what kind of health care you need now and what services you may need next year.
Key points to consider:
The average amount you spend on health care services per year
The cost of medications you usually take
Once you have an idea of the average amount you spend on health care per year and how much you have in your budget, you can continue with the next step.
It is important to remember that if you are not enrolled in a health insurance plan you could face fines imposed by the federal government. There are financial assistance opportunities and you may be eligible. Learning to manage the costs of health care will also help.
STEP 2: find out
Before making decisions about your health insurance, it is important that you understand the differences between the main types of insurance.
Do you know if you want an HMO plan or a PPO? Let’s look at the main differences between these two types of coverage.
An HMO plan, or the Health Maintenance Organization, requires you to choose a primary care physician (PCP) from a network of local health care providers. The PCP coordinates all your attention. It will be your primary health care provider and who will refer you to specialists or other health service providers if you need it.
A PPO plan, or the Preferred Provider Organization, gives you the flexibility to choose health care providers without having to go to a PCP. A PPO plan also has a network of local health service providers. While you are free to go to any health care provider, your costs will be lower if you choose providers within the PPO network.
When it comes to costs, HMO plans usually have cheaper monthly premiums. PPO plans usually have higher premiums, but you have the option of going to any doctor without a referral.
You can learn more about the PPO plans here and about the HMO plans here, or compare them side by side with our comparison chart.
If you are eligible for Medicare, you can learn more about Humana’s Medicare plans on our Understanding Your Medicare Options page.
STEP 3: Get a quote
Now that you know what your health care needs are and have researched the types of insurance available, it’s time to start looking for a plan.
You may want to consult with a registered insurance agent when you start looking for coverage. Insurance agents can help you choose the plan that best suits you. They can also determine if you are eligible for financial assistance and can help you move through the enrollment process. And, the agent’s help is free!
You can also get quotes from insurance websites. For example, people who are eligible for Medicare can search for a variety of Medicare plans through the Humana website.
If you are interested in dental or vision coverage Humana’s site also has a variety of plans to meet your needs.
You can also save your quote and return later to register.
To buy a medical plan, you can visit eHealth.com (the link opens in a new window), a website that offers insurance coverage from different insurance companies.
STEP 4: Enroll in a plan
Once you have determined which plan meets your needs and found the best plan for you, it is time to sign up.
If you have chosen a dental or vision plan, Humana can help you enroll online, through a Humana registered sales agent, or by phone. When you are ready to start, visit our online registration page.
Humana can also help you enroll in a Medicare Advantage plan. Just start here to register online or by phone. Remember that if you have saved a quote on the Humana website, you can search and return to where you left off.
To find out about health insurance, you can visit eHealth.com (the link opens in a new window) and follow the step-by-step instructions, or you can contact your agent to help you.
Follow these four simple steps
Finding health insurance can be overwhelming. By dividing it into four easy steps, we hope you can see that it is something you can handle.
Also, once you sign up, you can relax and enjoy the security that comes with having health insurance. Knowing that you and your family are covered can offer you the peace of mind that is worth paying.