Important checklist to follow when applying for health insurance

If health is of importance to you and your family, having a good health plan is imperative. Although many sources have attempted to complicate ACA act, Obamacare can be easily applied for if you follow a simple checklist. This roadmap outlines the types of coverage and use of health plans to maintain a healthy lifestyle.

No matter which healthcare plan you take, we also recommend a healthy daily routine. Obamacare plans allow for free preventive services like screenings, check-ups, and patient counseling to detect illness at an early stage or to prevent health problems.

Understanding the extent of your health coverage is important. Your insurance premiums have to be paid whether you’re sick or not. Insurance plans varies based on the providers, always check with your insurance company or state Medicaid and CHIP program and understand the key features of their plans and coverage. Always prefer emergency department for life threatening situation or else use the primary care.

To find a trusted provider, enquire with your loved ones or research to find the provider that suites your healthcare needs. Check your healthcare plan list. If you want to change your existing provider, contact your plan. If you’re enrolled in Medicaid or CHIP, contact your state corresponding program for help. Fix an appointment with your provider based on your availability. Also specify if you’re a new customer or an existing one and check if they accept your insurance plan.

Always make sure that you carry your insurance card, list your family health history and the list of medicines you take, also make a list of your queries to be discussed. Consider taking a person along with you in case you might need help.

Make the right choice by evaluating your experience with the provider. And always remember that you have the right to change your provider. After your appointment with your provider, make sure you follow their instructions. Review your explanation of benefits and pay your medical bills. If you have any queries, contact the concerned provider, health plan, or state Medicaid or CHIP agency.