Don Truong, manager for Medicare and individual and family plans at Sharp Health Plan, shares these four tips for young adults navigating health insurance plans for the first time.
- Know your options
Not all health plans are alike, so it’s important to look around until you find options that work best for you. Covered California, the state’s health insurance marketplace, is a great place to start when browsing plans.
“It’s comparable to shopping on Amazon,” says Truong. “You want to purchase the products that have high-quality ratings.”
Price is also an important factor to consider during your search.
“Check with Covered California to see if you qualify for any financial assistance to help pay for the monthly premium, copays and deductibles. For 2020, California is implementing a state subsidy so extra financial help will be available for those who qualify,” says Truong.
- Learn the terms
When comparing plans and prices, it’s important to know these key terms:
• Deductible — the amount you owe for health care services before your health plan starts to pay
• Premium — the amount you pay for your health insurance every month
• Copay — a fixed amount you pay for a covered health care service
- Use community resources
“Luckily, there are a lot of free community resources throughout San Diego County that can help with finding a plan that works for you,” says Truong.
For example, Sharp Health Plan hosts free “Insurance 101” enrollment labs twice a week during open enrollment season. The labs are designed to be open house-style, so you can stop by when it’s convenient for you, whether you have five minutes or an hour. Certified enrollment counselors (in other words, health insurance experts) are available during the labs to answer your questions and help you figure out which plan is best for you.
- Find a doctor that’s right for you
Once you have found your health plan, another big decision comes when selecting your primary care doctor. There are so many factors that go into finding someone who fits your lifestyle and personality.
According to Truong, the top reasons people choose a primary care doctor are age, gender and location. It’s also important to find a doctor you will feel comfortable talking to about your health concerns. Doctor profiles on your health plan’s website can give you a sense of doctors’ personalities to see who matches what you are looking for.
Covered California’s open enrollment period is Oct. 15, 2019, through Jan. 31, 2020. Find out today if you qualify for financial help.
To learn more about choosing Sharp during open enrollment, visit our website. For help navigating open enrollment options, dial 211 or visit 2enrollme.org to schedule a phone appointment, attend one of Covered California’s enrollment events or contact the Covered California service center for support.