Tips to Avoid Expensive Health Insurance Mistakes

Tips to Avoid Expensive Health Insurance Mistakes

On Oct.1,  America’s health care system underwent the biggest change since Medicare’s arrival 50 years ago, when certain provisions of the ACA kicked in. Even though millions of people who have been without health coverage should finally be able to get it, the system will remain just as complex as it has been. USI Affinity  has access to all plans either on or off the state exchange. We can help with plan selections, determining a members eligibility for tax credits, and much more.

Consumer Reports Money Advisor offers these tips for unnecessary fees, penalties, and just plain bad deals.

  1. Don’t assume because you are healthy you don’t need health insurance and remember open enrollment for 2014 ends March 31, 2014
  2. Don’t pick a plan solely based on low premiums. There is no free lunch in health insurance, but there is a host of payment options to choose from. You can pay for your care upfront, in the form of a higher premium, or later, in the form of a higher co-payment, a bigger deductible or a combo of both.
  3. Don’t carelessly go out of network. Even a PPO plan that entitles you to get care from docs and hospitals out of network, do not pay their normal 80% cost of care. You would be on the hook for the difference.
  4. Don’t miss the Medicare sign–up deadline. Sign up during the month you turn 65 or three months before or after.


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