How To Shop For Health Insurance


[MUSIC STARTS] NARRATOR: If you’re shopping for health
care insurance, you probably fall into one of the following categories: You’re fully covered through an employer, You’re covered by an individual plan, or, you’re not covered at all. If you’re fully covered through an employer,
you can talk to your benefits administrator or HR department
about your coverage. If you’re covered by an
Individual plan, based on your situation, you could have options. Refer to any member information
your current insurer sent you or call your health insurance agent. If you are not yet covered, or
choose to shop for a new plan, there are a few ways to get
health care insurance. Not sure where to start? You can… Enroll in a plan through an insurer, Visit the Health Insurance Marketplace, Or contact a health insurance
agent for assistance. Some insurer’s websites let you
see the same prices and benefits as the plans that are offered
on the Marketplace. They even have online tools that
may help you compare plans and determine if you qualify
for financial assistance. Depending on your income and
family size, you may be able to save on the cost of health insurance
with premium credits, which can be used to help pay for coverage,
or Cost Sharing Assistance, to help with out-of-pocket costs. When
you’re ready to make a purchase, you’ll have plenty of payment choices.
And don’t forget, before selecting a plan, you should check if your doctor
is in network for the plan you want. Choosing the right insurance
Coverage is one of the most important decisions you have to make. Blue Cross and Blue Shield is here
to help you every step of the way. [MUSIC ENDS]

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