Choosing the Right Coverage
You have important rights that protect your access to health care. But all health plans are not created equal and navigating open enrollment can be a challenge. Understanding the health services you need and what your plan covers will help you avoid or minimize claim denials.
The health care law provides important protections for all health care consumers. It has key provisions that are beneficial for people living with arthritis.
The Medicare program has evolved since it was first introduced in 1965, but important rights and protections remain for covered individuals.
If you are newly insured, thinking about switching plans, or considering supplemental coverage, there are 10 key areas of health care services that people with arthritis may need. Find out what your plan covers and what it doesn’t.
Here’s what you should know about health coverage through an employer, a federal program, a health exchange or a short-term insurance plan as you prepare for a new plan year.
Use this checklist to review key elements of a health plan as you prepare for open enrollment.
SHIPs offer local, personalized counseling and assistance to people with Medicare and their families. SHIPs can help you with things like:
- Your Medicare questions, including your benefits, coverage, premiums, deductibles, and coinsurance
- Complaints and appeals
- Joining or leaving a Medicare Advantage Plan (like an HMO or PPO), any other Medicare health plan, or Medicare Prescription Drug Plan (Part D)
Use this example as a guide to understand the benefits, coverage and out-of-pocket expenses for a health plan.