November 14, 2022
With the 2023 health insurance Open Enrollment in full swing, many families and individuals will find themselves shopping for medical insurance on their own for the first time. And as with previous years, there’s no shortage of plan changes and new coverage options to keep things interesting. If you’re new to the process and concerned about choosing the right coverage at premiums within your budget, working with an agent can be very helpful.
Let's review a few scenarios where calling a licensed health insurance agent can help simplify the process.
Your Premiums Increased More than Expected
If your monthly premiums are increasing to a tier that is simply out of the question from a budgetary perspective, a local health insurance agent can show you a wide range of plans, combination coverage and other options that you might never have found on your own.
You Recently Turned 65 or Will be in 2023
As if the time limitations of Open Enrollment weren’t frustrating enough, the 2023 Medicare enrollment overlaps it, and this can further complicate things for those who are turning 65. A licensed agent can explain everything in easy-to-understand terms and assist with everything from new plans to supplements.
You’re Buying Healthcare Coverage for the First Time
The days of simply choosing a medical insurance plan are gone, unfortunately. Today, the process is known to confuse even the most insurance-savvy individuals. If you're new to shopping for medical coverage, spare yourself the frustration and long on-hold times by working directly with a local agent.
Your Carrier is Leaving the Marketplace
Many carriers have left the marketplace over the past few years, and this means that countless people will be right back to square one when it comes to choosing a medical insurance plan. Working with an agent can expedite the process substantially while ensuring that you have the right coverage for your needs.
You’re Self-employed or Recently Left Your Company
If you recently left your company and this is the first time you’re purchasing individual, family or small-group coverage, the process can be intimidating for those who are accustomed to simply checking a few boxes during group enrollment. Most agents do not charge for their assistance, so it's worth considering.
The process of buying health insurance on your own is certainly no picnic, but it doesn’t have to be nearly as complicated as some people make it out to be. Working with a local agent will significantly speed up the process, ensuring that your coverage is active by the first of the following month, and eliminating the possibility of application errors and oversights that can be very difficult to resolve.
Get FREE Health Insurance Open Enrollment Assistance from Premier in Lisle
The 2023 Open Enrollment period runs from November 1st 2022 until January 15th 2023. Premier Financial Insurance has been serving Lisle, Chicago and all of Illinois since 2003, and we specialize exclusively in health insurance. There are absolutely no fees for our Open Enrollment services, and never any obligation to enroll in coverage through our agency.
For answers to your questions on premiums, plan changes, new coverage options or other health insurance-related issues, get in touch with Premier Financial Insurance in Lisle by calling 800-369-0287, or write to us anytime day or night by visiting our website’s secure contact page.