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Health Insurance FAQs
When Is Open Enrollment?
Open enrollment usually takes place around November 1 - December 15, and the new healthcare plan goes into effect January 1st.
What if I Miss Open Enrollment?
There are several qualifying events which allow you to enroll in a health insurance plan even when you miss open enrollment. Common qualifying events include but are not limited to the birth of a child, divorce, marriage and moving to another state. For a complete list of qualifying events visit here .
What’s the Difference Between an HMO and a PPO?
HMOs and PPOs are different kinds of managed care plans. HMOs are usually more affordable and have no deductibles, but there is a copay for office visits (usually less than $30). With an HMO, you need to find a PCP within network and you must get a referral from that PCP when you need to see a specialist. A specialist should also be an in-network provider. A PPO doesn’t require PCP referrals. You can go outside of the PPO’s group of doctors and hospitals but will not get 100% (you’re usually only eligible for 80%). After you meet the maximum on out-of-pocket expenses, the insurer pays 100% of the benefits.
What Is a Health Insurance Deductible?
The deductible the amount you pay before your health insurance begins to pay for services. You’ll pay out of pocket for medical expenses after you’ve paid the deductible amount.
