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Top 5 Reasons Why Currently-Insured Consumers Should Reshop for Health Insurance During Open Enrollment

eHealth, Inc. published its top five reasons why even consumers who already have health insurance may wish to reshop for new 2015 health plans during the upcoming open enrollment period.

The Affordable Care Act (ACA) established nationwide open enrollment periods during which consumers can enroll in major medical individual or family health insurance plans. The open enrollment period for 2015 plans is scheduled to begin on November 15, 2014 and continue through February 15, 2015. During open enrollment, eligible consumers may also apply for subsidies to reduce their monthly health insurance premiums.

Not all health insurance policy holders are required to reshop during open enrollment in order to retain coverage for 2015. However, failing to re-evaluate their coverage options and to update their subsidy eligibility during open enrollment could cost consumers by leaving them in plans with the wrong benefits or with higher premiums or lower subsidies than necessary.

"Think of open enrollment as your chance to get an annual health insurance checkup," said Gary Matalucci, eHealth Vice President of Customer Care. "Unless you experience a qualifying life event in 2015, this may be your only chance to reconsider your coverage options and get the subsidy help that you're due before 2016 comes around. If you're already covered and not sure if you should shop again this open enrollment season, we've identified five great reasons why doing so could save you money or help you find a better plan."

Five Reasons Consumers Should Shop -- or Reshop -- for Coverage During Open Enrollment

You want a health plan that covers your preferred doctors and hospitals. If you rushed into your current health insurance plan last year, you may not have double-checked to be sure your favorite doctors or hospitals were covered. Many health insurance plans limit members to a specific network of preferred doctors and hospitals. When seeking care from medical providers outside of your plan network, your coverage may be severely reduced, or even nonexistent. If you're unhappy with the network of medical care providers available to you in your current plan, look at your options for 2015 during open enrollment. Shop through a licensed online marketplace like eHealth to search for plans accepted by your preferred doctors.

You may be entitled to more premium subsidies in 2015. Government subsidies that reduce your monthly premiums are made available to qualifying persons with a household income of between 133% and 400% of the federal poverty level. If you received subsidies this year but your anticipated income for 2015 is lower than you anticipated for 2014 when you applied for subsidies last time, you may be due more subsidy assistance next year. Depending on the preferences you communicated when applying for subsidies last time, you may need to reapply and reshop for coverage in order to update your subsidies for 2015.

You don't want your subsidies to decrease or disappear in 2015. Depending on the preferences you communicated when applying for subsidies last time, your subsidy dollars may dry up completely after December 31, 2014 unless you reapply and reshop for coverage during open enrollment. If the "benchmark plan" for your area -- the plan that helps determine the value of your subsidies -- changes in 2015, this could also result in the reduction of subsidy dollars you may be entitled to next year. Shop through a licensed online marketplace like eHealth or visit your state's government health insurance exchange to learn more about your eligibility for subsidies.

You don't want to pay the increased tax penalty next year. If your current health insurance plan is being cancelled at the end of this year or if you find yourself uninsured or underinsured -- for any reason -- for three months or more next year, you may be subject to tax penalties on your 2015 federal tax return. For 2015, the tax penalty is increasing from $95 per adult or 1% of your taxable income (whichever is greater) to $325 per adult or 2% of your annual taxable income (whichever is greater). Take the time to shop for coverage during open enrollment and keep your premium payments up to date if you want to avoid a nasty surprise on tax day.

You want a health plan better suited to your personal needs and budget. All health insurance plans meeting the coverage standards of the ACA provide the same suite of essential health benefits -- but not all plans are structured in the same way. Some plans come with higher monthly premiums and lower deductibles, which may be a good choice for people who use medical services more often. Other plans may come with lower monthly premiums and higher deductibles, which may be a good choice for those who only value coverage for serious accidents and illnesses. New health insurance plans are being introduced for 2015, so if your current plan is mismatched for your personal coverage needs, open enrollment is your chance to shop around.

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International Medical Insurance Broker Intermediary

International Medical Insurance Broker Intermediary

You may be a business traveler, student studying abroad, an expatriate, leisure or medical health tourist searching to source, compare and select the best International Medical Insurance Broker Intermediary. Since 2009 International Private Medical Insurance Magazine has been providing mission critical information about International Medical Insurance Brokers and Intermediaries to individuals, groups, corporate clients, brokers and intermediaries. It is important to fully understand International Medical Insurance requirements before you travel and insure you select the right and most appropriate health and medical insurance plan for leisure, business, educational or health travel purposes. International Medical Insurance Companies comes in all shapes and sizes so be sure to do a complete comparison of the International medical health insurance company, plan, costs and fine print.

International Private Medical Insurance Magazine represents many leading International Medical Insurance Brokers and Intermediaries and operates a worldwide network of underwriters, providers, brokers and intermediaries.

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International Medical Insurance For Schengen Visa

International Medical Insurance For Schengen Visa

You may be a business traveler, student studying abroad, an expatriate, leisure or medical health tourist searching to source, compare and select International Medical Insurance For Schengen Visa travel and countries. Since 2009 International Private Medical Insurance Magazine has been providing mission critical information about International Medical Insurance For Schengen Visa to individuals, groups, corporate clients, brokers and intermediaries. It is important to fully understand Schengen Visa International Medical Insurance requirements before you travel and insure you select the right and most appropriate health and medical insurance plan for travel to countries in the Schengen area.

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International Medical Insurance Company

International Medical Insurance Company

You may be a business traveler, student studying abroad, an expatriate, leisure or medical health tourist searching to source, compare and select the best International Medical Insurance Company. Since 2009 International Private Medical Insurance Magazine has been providing mission critical information about International Medical Insurance Companies to individuals, groups, corporate clients, brokers and intermediaries. It is important to fully understand International Medical Insurance requirements before you travel and insure you select the right and most appropriate health and medical insurance plan for leisure, business, educational or health travel purposes. International Medical Insurance Companies comes in all shapes and sizes so be sure to do a complete comparison of the International medical health insurance company, plan, costs and fine print.

International Private Medical Insurance Magazine represents many leading Global Medical Insurance Companies and operates a worldwide network of underwriters, providers, brokers and intermediaries.

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International Health Insurance Comparison

International Health Insurance Comparison

Frequent flyers, business travelers, students, leisure travelers, medical health tourists and expatriates utilize International Private Medical Insurance Magazine to make a comparison and source, compare and select the most suitable International Health Insurance. Global Brokers and Intermediaries stay one step ahead of the crowd with the latest International Health Insurance Plan news and intelligence.

Where ever you are now, understanding International Health Insurance requirements and making a comparison is vital to safe, risk free Global travel.

Accidents do happen and when you least expect it. Insuring you have the right type of International Health Insurance will mean, should you fall sick overseas or have an accident, you will not be faced with a large medical bill, or even worth, insufficient medical care and treatment.

Since 2009 International Private Medical Insurance Magazine has been providing mission critical news and information about International Health Insurance to expatriates, individuals, groups, corporate clients, brokers and intermediaries. Select the right and most appropriate International Health Insurance plan for leisure, business, educational or health travel purposes, with the help and assistance of International Private Medical Insurance Magazines Online International Health Insurance Company and Plan Guide and Directory.

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Spain Travel Advice and Warnings: Rail Workers Strikes Planned Dec 2013

Rail workers have planned 24-hour strikes on 5 and 20 December.

Check local announcements and the Renfe website for further information.

Over 12 million British nationals visit Spain every year. Most visits are trouble-free. A strike is affecting lifeguard services in the area of Arona, South Tenerife. Take extra care if there are no life-guards, flags or signs on beaches.

There have been several deaths as a result of falls from balconies. Don’t take any unnecessary risks, especially when under the influence of drink or drugs.

You should apply for a free European Health Insurance Card (EHIC) before you travel. If you already have an EHIC, make sure it hasn’t expired. Some medical costs aren’t covered by the EHIC so you should also take out comprehensive travel and medical insurance before you travel to Spain.

 

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Australia Travel Advice and Warnings For Expatriates, Tourists and Business Travelers

Take out comprehensive travel and medical insurance before you travel. Over 590,000 British nationals visit Australia every year. Most visits are trouble-free.

Australia is prone to seasonal natural disasters including tropical cyclones, flash flooding, dust storms and bushfires (forest fires). Local authorities anticipate the 2013/14 bushfire season could be more dangerous than usual as the pre-conditions for bushfires have worsened in the past year.

Several large bushfires around New South Wales in October 2013 have resulted in two deaths, around 250 properties destroyed and another 130 damaged. Further severe weather conditions are forecast. A state of emergency has been declared, with communities on alert to evacuate at short notice. Check with State authorities for up-to-date information.

Australia is a vast country. You should plan journeys carefully, particularly if you’re travelling to remote areas, bushwalking or going swimming. You will need to get a visa before you travel. Beware of scam adverts claiming to help you extend a working holiday visa. Several British nationals have had their visas cancelled as a result.

Australia Travel Advice and Warnings For Expatriates, Tourists and Business Travelers

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Medical, Healthcare, Expatriate And Travel Insurance

A guide to leading international medical, healthcare, expatriate and travel insurance underwriters, companies, providers, operating within leisure, expatriate and corporate travel business markets, globally.

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