4 Most Common Questions I get from Clients about their Health Insurance
It's normal to still have a lot of questions after you've enrolled in health insurance. What you need to know is that I'm here to support you in using your insurance.
In helping so many clients, I run into a lots of questions. Here are 4 of the most common ones:
1. When will I get my ID card?
Your insurance ID card is your pass to receiving affordable healthcare, and one of the first things your doctor's office asks for.
It normally takes 2-3 weeks for ID cards to arrive in the mail - after you've paid the first monthly payment (if applicable). But sometimes, there are delays, or maybe the mail service had a problem delivering the envelope with the ID card to the right address.
You can call the insurance company, or you can call your agent/broker (that's me!), and we can see what is going on.
2. How do I make a payment?
Unless your income is low and you qualify for no-cost health insurance, you may need to pay for your coverage. It is vital that you keep up on your premiums - and if you can't, then contact me!
With some insurers, I can process a payment for you over the phone. And with all of them, you may also call the insurance company, mail them a check, or log into the insurer's member website.
Regardless, the easiest way varies by company and your personal preferences. It's best to check with me to see.
3. How can I find a doctor?
With health insurance, the smart thing to do is to go to in-network providers. But finding doctors that are in-network is confusing and frustrating to most consumers.
And even then, you will want to let your insurance company know who you select as your family doctor.
You can do this on the insurance company's member website, or by calling their Member Services department.
But, as always, the easiest way varies by company and it is best to check with me.
4. Do I need to renew my insurance?
Technically, no. I'll do that for you.
If you are a smart consumer though, you will call me every year during Open Enrollment to review your health insurance. Because all of the insurance companies change their rates from year to year. You don't want to be surprised in January when the rates increase by a lot!!
The bottom line is, sometimes you have to call the insurance company, but it is always best to CALL ME first. I've got your back, I will listen to your questions and concerns, and I'll give you the best service possible.
After all, that is what the insurance companies pay me for - to keep you satisfied with their insurance plan and provide a personal connection!
