How Do I Change Health Plans?
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If you are insured through your employer, you can change plans either during your company’s “Open Enrollment” period or when you have a change in family status such as marriage, divorce, birth of a child or a change in the employment status of you or your spouse.
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1) Research your health plan options, asking the following questions
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- What coverage is available?
- What is the monthly premium?
- What is the deductible?
- How much is the co-payment?
- What local doctors and specialists can you choose?
- What local hospital can you got to?
- What out-of-the-area hospitals and physicians can you access?
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2) Choose the plan that best meets your needs and identify the doctor(s) you want to see.
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3) Complete your employer’s forms to terminate your existing coverage and enroll in the new plan you have chosen.
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At that time, you may be asked to indicate your selection of a “primary care physician.” In an HMO plan, this is the doctor who will coordinate your care.
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4) Upon receipt of your health insurance member identification card, begin accessing your care as instructed by the plan.
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