It’s time to start thinking about your healthcare options. Now that you are transitioning to an Individual Coverage Health Reimbursement Arrangement (ICHRA) plan, you’ll want to make the most of your consultation call with your enrollment agent to ensure you’re ready to enroll with the best possible choices for you and your family.
1. Understand ICHRA Basics
First, familiarize yourself with what an ICHRA plan offers. Unlike traditional group health plans, ICHRA allows you to choose individual coverage that fits your needs. Your employer applies a monthly allowance toward your health insurance premium costs, giving you more control over the type of plan you select.
2. Review Your Healthcare Needs
Take some time to assess your medical needs and those of your family. Having this information on the top of your mind will help you choose a plan that aligns with your lifestyle and budget.
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- How often you visit doctors or specialists
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- Ongoing treatments
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- Regular prescriptions
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- Expected healthcare expenses for the upcoming year
3. Compare Available Health Plans
With our ICHRA platform, you have access to various individual health insurance plans. Research the plans in your area to compare costs, coverage levels, and networks. This way, you’ll be ready to make an informed decision when the time comes.
4. Gather Important Documents
To make your consultation call with our enrollment agent quick and easy, have key documents ready:
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- Last year’s healthcare expenses
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- Prescription lists
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- Personal and family medical history
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- List of preferred doctors and/or specialists
5. Prepare Your Questions
Make a list of questions you may have for your enrollment agent. Here are a few examples:
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- What’s my monthly employer contribution allowance amount under ICHRA?
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- Can I continue to see my current doctor?
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- How does my insurance premium payment process work?
6. Schedule a Call with an Enrollment Agent
Make sure you schedule time with one of our enrollment agents when you can focus on the task at hand. Having a personalized call with the enrollment team will help you understand your choices and clarify any uncertainties.
By tailoring your open enrollment experience, you’ll be better prepared to select the right ICHRA health plan for your needs. Take advantage of this opportunity to craft a personalized approach to your healthcare!
