We are once again in the thick of open enrollment. This affects individuals and families who are looking for new insurance or considering changing insurance on the government health care exchange and patients new to medicare or changing medicare benefits. There are also many large corporations that do open enrollment and review of benefits at this time. Open enrollment began November 1st for the Health Insurance Marketplace. The deadline for new coverage to start on January 1, 2017, is December 15, 2015. The last day for enrollment or change in insurance is January 31, 2017.
This is a great time to look at your options and consider whether Direct Primary Care membership is right for you or your family. I have seen insurance rates increase anywhere from 21% to 37% this year. I have talked to so many families who are paying much more each month for health insurance than they are for a home mortgage. You are paying higher premiums, still with high deductibles, and you can use that hard-earned insurance to go to the urgent care or emergency room when you are sick, where you will pay higher co-pays and get a hefty explanation of benefits 6 months later, because there is a very good chance you won't be able to get into your primary care doctor for a few weeks, or 4-6 months if you don't already have one!
Or you can get a membership at Ascent Direct Primary Care so you can see your doctor when you need to and your doctor doesn't change, even if your insurance does. Our membership goes well with high deductible insurance that gets your premiums down each month, or even better, with cost-sharing programs like Liberty Direct or Medishare that are considerably more reasonable than most insurance plans.
Thinking about just waiting it out to see how things fall over the next year? Likely insurance prices will still remain high regardless of the fate of the ACA. It will take some time to increase options in the market, increase competition, and get costs down. And if/when that happens, hopefully there will be even more affordable major medical or high deductible plans available that go great with direct primary care and save you more money!
Now is a great time to make a change. We would love to help by providing high quality, affordable and accessible primary care to you and your family! Give us a call. Happy open enrollment and have a blessed Thanksgiving!