Open Enrollment Anxiety

Turn a DIY-nightmare into a get-help-for-free/save-lots-of-time dream.

Sponsored by James E. Moore Insurance Agency, Inc.

It’s that wonderful time of year, again. Seriously-speaking, the holidays; and a bit sarcastically-speaking, Heath Insurance Open Enrollment.

The process of choosing a plan tends to give me a migraine. In my opinion, health insurance policies are akin to brain surgery, quantum physics, or the cosmos – “complex yet orderly systems” that one can’t possibly understand fully unless it’s their life’s work to do so. There’s always a certain loophole, a hundred conditions that are not covered, this doctor vs. that doctor, and the many clauses that no one but an agent would catch.

The kicker of Open Enrollment, is that what you get is what you’ve got, for twelve whole months. So, you better have guessed right.

2018 Heath Insurance Open Enrollment

Somehow, year after year, I’ve continued to try to navigate this volatile sea of uncertainty on my own. But, not this year. For 2018, I’ve decided to what smart people do, or maybe just slightly less stubborn people – work with an agent. And, here’s why:

1 – There’s no cost to use a licensed insurance agent.

Yes, there are a few agents who charge fees, but many don’t.

So, when going with the latter kind of agent, you pay exactly the same amount for health insurance as you would working directly with the health insurance company.

2 – The only thing we can count on is change.

Just when you think you’ve got it all figured out, policies change completely. So, we’re presented with a new maze to master nearly every year. The great thing about an agent, is that it’s their job to know every policy change down to spelling and grammar.

Adrienne Moore, of James E. Moore Insurance Agency, Inc. in Wilmington, NC said that you’ll often get a better plan when you consult with an agent.

“No two plans or networks are the same,” Moore said. “Agents are able to navigate all the variables to help you find the exact policy that meets your needs.”

3 – This is a 12-month investment.

According to the Health Care Marketplace, the only way out of one plan and into another after December 15th is:

 … if you qualify for a Special Enrollment Period. You’re eligible if you have certain life events, like getting married, having a baby, or losing other health coverage.

  • Job-based plans may have different Open Enrollment Periods. Check with your employer.
  • You can apply and enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time of year.

We all want to ensure that the plan we choose will serve us well. This has not always been the case for me, and I’m sure some of you feel the same.

At the end of the day, the best way to choose the best plan for yourself and your family (and to save hours on the phone with an customer service rep.) is by consulting with an independent agent.

And, yes, you guessed it. I chose to consult with Adrienne, at James E. Moore, Inc. When selecting an agent, as with many services, local, and family-owned is the best choice for optimal customer service.

Health insurance enrollment doesn’t have to be painful. There are agents out there who can actually make it easy. And, entirely painless.

Looking for an agent? Contact  James E. Moore Insurance Agency, Inc.

 

 

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