We now live in a world of self-isolation and social distancing, and many people are using this time to complete overdue projects, enjoy a hobby, or binge-watch a favorite show. This home-bound life also offers a great opportunity to review your health insurance policy so you are prepared if you or a loved one need to access medical care.
As you review your policy, pay close attention to:
Ultimately, you want to understand what is and isn’t covered and which healthcare providers are in your network.
With COVID-19 now present in all 50 states the US government and the insurance industry is working to assure the coverage is available to meet our needs. Here is what you need to know:
One of the best resources you have to learn about coverage offered by various insurance companies is this list developed by America’s health Insurance Plans. It details the coverage available by a specific company with regard to coverage adjustments due to this pandemic.
If you do not have insurance, you will be responsible for the cost of all testing and treatments associated with COVID-19. The cost for testing alone can range from $500 to $1,000. The costs of treatments will be even higher.
There are still opportunities to purchase health insurance. Several states have opened Special Enrollment Periods to help those without coverage to purchase insurance. If your state does not offer this option, check to learn if you have a qualifying life event that allows you to purchase coverage now.
Medicaid and Children’s Health Insurance Program (CHIP) may be an option to receive coverage. However, each state has unique eligibility requirements and you should check their websites to determine if you qualify for coverage.
If you need health insurance, please call (866) 771-4715 to speak with one of our agents to discuss options or go online to receive a quote. At Alliance, we are insurance experts and represent the best providers in the state. We may not have all of the answers but we can help you identify potential resources.
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