{"id":26850,"date":"2019-06-22T11:08:10","date_gmt":"2019-06-22T01:08:10","guid":{"rendered":"https:\/\/timesnewsgroup.com.au\/surfcoasttimes\/?p=26850"},"modified":"2019-07-02T21:51:12","modified_gmt":"2019-07-02T11:51:12","slug":"how-switching-health-insurance-can-save-you-money","status":"publish","type":"post","link":"https:\/\/timesnewsgroup.com.au\/surfcoasttimes\/living\/how-switching-health-insurance-can-save-you-money\/","title":{"rendered":"How Switching Health Insurance Can Save You Money"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">There are many reasons why people switch health insurance. Some of the reasons may include:&nbsp;<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Your current doctor stops accepting health insurance claims.&nbsp;<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Costs went up in association to the insurance you currently hold.&nbsp;<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You might not be receiving the right level of health care.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Your prescriptions are no longer covered.&nbsp;&nbsp;<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You want to make sure you get the maximum health care benefits when you&#8217;re sick, need laboratory tests, need imaging studies, or getting the appropriate intervention or treatment for your medical condition.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whatever your reason is, one thing\u2019s for sure, switching health insurance can save you money. Continue reading below to find out more.&nbsp;<\/span><\/p>\n<p><b>Higher Health Insurance Tier&nbsp;<\/b><\/p>\n<p><a href=\"https:\/\/insurance.qantas.com\/health-insurance\/switch\"><span style=\"font-weight: 400;\">Switching your health insurance<\/span><\/a><span style=\"font-weight: 400;\"> means taking advantage of a higher tier of healthcare services. It means you pay less for doctor&#8217;s visits. This can save you more money in the long run. If your doctor no longer accepts your health insurance, and you want to continue using the healthcare services offered, you can either pay for out-of-network visits or switch your insurance plan.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are the details of these two options:&nbsp;<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><b>Pay for Out-of-Network Visits<\/b><span style=\"font-weight: 400;\">: Your health insurance partially covers these visits. However, most of the time you&#8217;re left to pay in full. This can be very expensive. That&#8217;s why it&#8217;s essential to prepare and plan for future healthcare visits. It\u2019s always advisable to avoid out-of-network visits since it contradicts having premium health insurance.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\"><b>Switch Health Insurance<\/b><span style=\"font-weight: 400;\">: Ask your doctor about available healthcare plans acceptable in their practice. You might find an option that best fits your healthcare needs and your budget when switching to a different one.&nbsp;<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Switching to a different health insurance plan in a higher tier will save you money by paying less per doctor&#8217;s visit.<\/span><\/p>\n<p><b>Pay Less for Similar Options<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Health insurance costs go up. It\u2019s expected that the monthly prices for health care plans will rise to 36%. Your health insurance premiums and other related costs, such as your coinsurance, copay, and deductibles may change. This means your payments may change from year to year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Luckily, you don&#8217;t have to stick with your current <\/span><a href=\"https:\/\/en.wikipedia.org\/wiki\/Health_insurance\"><span style=\"font-weight: 400;\">health insurance<\/span><\/a><span style=\"font-weight: 400;\"> plan if you\u2019re currently paying a lot of money. You can switch your health insurance plan to the most affordable plan in your tier, and spend less for the same coverage.&nbsp;<\/span><\/p>\n<p><b>Better Overall Coverage<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Do you notice you&#8217;re not getting the right level of healthcare with your current health insurance? It&#8217;s time to assess your needs and your healthcare investment over the past year.&nbsp; If you\u2019ve paid several prescriptions and doctor visits at full price, try to switch to a new healthcare insurance plan with a higher tier, offering better coverage. On the other hand, if you&#8217;re rarely using an expensive plan, you may look into a health care plan that\u2019s less expensive with higher deductible options.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, you need to take into consideration your future health care needs. For instance, if you or a loved one was recently diagnosed with a new medical condition or is pregnant, switching to a health insurance plan that provides you easy access to the right doctors, prescriptions, and hospitals is a good idea.&nbsp;<\/span><\/p>\n<p><b>Avoid Unexpected Pharmacy Charges&nbsp;<\/b><\/p>\n<p><span style=\"font-weight: 400;\">If your current health insurance no longer covers your prescriptions, switching to new health insurance is your best move. By doing so, you avoid paying unexpected pharmacy charges.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That&#8217;s why you have to talk to your insurance company to make sure your prescribed medications will still be covered next year. Otherwise, it&#8217;s best to switch to a health insurance plan that provides you with the pharmacy coverage you need.&nbsp;<\/span><\/p>\n<p><b>Ensure That You&#8217;re Covered&nbsp;<\/b><\/p>\n<p><span style=\"font-weight: 400;\">There\u2019s some situations where your health insurance plan may no longer be available. It happens when major insurance companies make changes that usually happens every year, which is common with health insurance plans that were purchased in a previous year.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Insurance companies usually decide to make changes when participating in the federal exchange. When this event happens, your health insurance company will either prompt you to upgrade to a new plan or move you to a new similar plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, the coverage, the cost, and the in-network providers can change. That&#8217;s why you have to call your insurance company before the automatic renewal to make sure you\u2019re fully covered. Otherwise, switching your health insurance is a better decision you&#8217;ll have to make.&nbsp;<\/span><\/p>\n<p><b>Won&#8217;t Be Stuck With a Plan&nbsp;<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Unless there&#8217;s a qualifying event, you only have one time every year to switch to a new health insurance plan. Don&#8217;t allow an insurance company to automatically enroll you in the same health insurance plan without looking at your options prior to the roll over period. Take time to switch to a new and better option during the open enrollment period so you can choose the right plan that best fits your needs.&nbsp;<\/span><\/p>\n<p><b>Find a More Affordable Option&nbsp;<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Through health insurance subsidies, you can make your health insurance plan more affordable by reducing the cost of your monthly coinsurance health payment. If you have an existing subsidized plan, you might spend more money to pay taxes if you&#8217;re expecting a higher pay next year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, you\u2019ll lose healthcare savings if you don&#8217;t switch when making less money next year. That&#8217;s why it is crucial to accurately estimate your expected income to get the right health insurance subsidy amount to secure your financial stability all year round while protecting your <\/span><a href=\"https:\/\/timesnewsgroup.com.au\/surfcoasttimes\/news\/report-shows-mens-health-is-lagging\/\"><span style=\"font-weight: 400;\">health<\/span><\/a><span style=\"font-weight: 400;\">.&nbsp;<\/span><\/p>\n<p><b>Conclusion<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The final decision whether to switch or not to switch your health insurance all depends on your current medical condition, anticipated needs, your current location, and your annual income. While insurance companies automatically renew the health insurance plans of their members, you can always take advantage of the open enrollment period to study if switching health insurance is your best move.&nbsp;&nbsp;<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are many reasons why people switch health insurance. Some of the reasons may include:&nbsp; Your current doctor stops accepting health insurance claims.&nbsp; Costs went up in association to the insurance you currently hold.&nbsp; You might not be receiving the right level of health care. Your prescriptions are no longer covered.&nbsp;&nbsp; You want to make [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/timesnewsgroup.com.au\/surfcoasttimes\/living\/how-switching-health-insurance-can-save-you-money\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":149,"featured_media":26855,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[],"post_folder":[],"class_list":["post-26850","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-living"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Switching Health Insurance Can Save You Money - Surf Coast Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/timesnewsgroup.com.au\/surfcoasttimes\/living\/how-switching-health-insurance-can-save-you-money\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Switching Health Insurance Can Save You Money - Surf Coast Times\" \/>\n<meta property=\"og:description\" content=\"There are many reasons why people switch health insurance. Some of the reasons may include:&nbsp; Your current doctor stops accepting health insurance claims.&nbsp; Costs went up in association to the insurance you currently hold.&nbsp; You might not be receiving the right level of health care. Your prescriptions are no longer covered.&nbsp;&nbsp; You want to make [...]Read More...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/timesnewsgroup.com.au\/surfcoasttimes\/living\/how-switching-health-insurance-can-save-you-money\/\" \/>\n<meta property=\"og:site_name\" content=\"Surf Coast Times\" \/>\n<meta property=\"article:published_time\" content=\"2019-06-22T01:08:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-07-02T11:51:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.timesnewsgroup.com.au\/prod\/uploads\/sites\/2\/2019\/06\/shutterstock_190551629-e1561694114335.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Guest Contributor\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Guest Contributor\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/timesnewsgroup.com.au\\\/surfcoasttimes\\\/living\\\/how-switching-health-insurance-can-save-you-money\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/timesnewsgroup.com.au\\\/surfcoasttimes\\\/living\\\/how-switching-health-insurance-can-save-you-money\\\/\"},\"author\":{\"name\":\"Guest Contributor\",\"@id\":\"https:\\\/\\\/timesnewsgroup.com.au\\\/surfcoasttimes\\\/#\\\/schema\\\/person\\\/1a21243f5aec06a5bb8c264a9774e6ef\"},\"headline\":\"How Switching Health Insurance Can Save You Money\",\"datePublished\":\"2019-06-22T01:08:10+00:00\",\"dateModified\":\"2019-07-02T11:51:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/timesnewsgroup.com.au\\\/surfcoasttimes\\\/living\\\/how-switching-health-insurance-can-save-you-money\\\/\"},\"wordCount\":1024,\"publisher\":{\"@id\":\"https:\\\/\\\/timesnewsgroup.com.au\\\/surfcoasttimes\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/timesnewsgroup.com.au\\\/surfcoasttimes\\\/living\\\/how-switching-health-insurance-can-save-you-money\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/static.timesnewsgroup.com.au\\\/prod\\\/uploads\\\/sites\\\/2\\\/2019\\\/06\\\/shutterstock_190551629-e1561694114335.jpg\",\"articleSection\":[\"Living\"],\"inLanguage\":\"en-AU\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/timesnewsgroup.com.au\\\/surfcoasttimes\\\/living\\\/how-switching-health-insurance-can-save-you-money\\\/\",\"url\":\"https:\\\/\\\/timesnewsgroup.com.au\\\/surfcoasttimes\\\/living\\\/how-switching-health-insurance-can-save-you-money\\\/\",\"name\":\"How Switching Health Insurance Can Save You Money - 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