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Understanding Health Insurance and How to Navigate Through Open Enrollment 2020


What is Open Enrollment

Open enrollment is a time period beginning Friday, November 1st, 2019 to Sunday, December 15th, 2019. During Open Enrollment you will be able to select a health insurance plan if you do not have one, or elect a change to your existing health plan. These plans are only offered during this time period and will ensure that you have coverage during the 2020 year. 

After December 15th, you will no longer be able to enroll unless you qualify for a Special Enrollment Period


How Should I Prepare

The Health Insurance Marketplace is where you will be able to search for plans that fit your current financial and healthcare needs. Whether you are a single individual, or a family, the Marketplace offers various plans that fit you best.

Use this checklist to ensure that you have all the required information necessary when open enrollment begins. 


Things to Consider When Picking a Plan

Picking a health insurance plan that is right for you may be confusing, but there are a few key things to keep in mind that will help make deciding easier for you.

Your total health care cost goes beyond just the monthly premium that is paid to the insurance company. When deciding if a plan is right for you, be sure to examine the deductibles, copay, and other out-of-pocket costs. These factors will also impact your total health care costs.

It is important to examine and select the insurance plan network type that will best fit your healthcare needs. Whether its PPO, HMO, EPO, or etc, it is important to get familiar with the different types of network. Some networks require you stay within a select set of providers, while others give you more freedom.

There are 4 “Metal” categories when speaking about insurance plans: bronze, silver, gold, and platinum. These categories have nothing to do about the quality of the healthcare services received. Rather, they indicate how you and your health plan share the costs of services. 

Call your current provider to ensure that the insurance plan that you select is accepted at your physicians office. 


Dr. Henry Kaw is contracted with most PPO, EPO and Medicare plans. We do not accept any HMO and Oscar EPO plans. Call us at (714)462-8383 if you have any questions.


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