(WDEF) Changes in health care put us in the driver's seat.
Now is the time to do your research, weigh all options and pick a health plan that's right for you.
Angie Hicks of Angie's List said, "Taking advantage of the open enrollment period is a time for you to evaluate what your insurance covers and make sure you assess needs you are going to have over the next year. If you have to make changes to your insurance you can do it now before it's too late."
When Charlie Klumpp turned 65, she learned her physician's practice didn't accept Medicare.
After paying for a couple of office visits out of pocket, Klumpp decided to switch doctors.
Now she always checks with doctors before scheduling an appointment. Klumpp explained, "I called, talk to the business offices and said, "I am a Medicare patient. That's my primary. I have a secondary insurance. Will you file that for me? Do you have any concerns about taking on an additional Medicare patient?"
If you don't understand what your plan does and does not cover, you could end up spending more money.
Jacob Gorden is an Insurance Broker. He said, "The biggest mistake people generally make when they are buying insurance is not knowing what they are looking for. People know they need it and know they have to get it, per the new laws, but they don't have an idea of exactly what they are looking for and often when they purchase it they don't understand what they have."
Take a look at what you spent last year in premiums and out of pocket expenses and compare that to what you expect to spend in 2014. If you don't understand your health care options, don't be afraid to ask questions. Sit down with your benefits person at work or talk with a financial planner or insurance broker.