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Shopping for Health Insurance? Here’s What You Need to Know

The time of year for individuals to buy health insurance plans is called open enrollment, and it’s about to kick off. For individuals and families who are buying their own insurance for 2019, open enrollment begins on Nov. 1, 2018 and lasts until Dec. 15, 2018.

If you’re under 65 and don’t have health insurance through your employer, a spouse, or a program like Medicaid, chances are you need to purchase an individual or family plan of your own. No matter if this is your first time getting covered, or if you are looking to compare plans and save, the deadline to take action is Dec. 15, 2018.

There’s a lot to consider when you’re picking a plan. Do you want an HMO or a PPO? What can you afford to pay for your copay, deductible and coinsurance? How frequently will you use essential health benefits?

It’s normal to have a lot of questions – and Blue Cross is here to help answer them. Here are three easy ways to get help getting covered for 2019.

  1. Online: Visit BCBSM’s open enrollment webpage here to review plans and shop for coverage for 2019. If you already have an online account for a Blue Cross individual or family plan that’s in your name you’ll be asked to log-in. If not, you’ll be asked a few simple questions to get a quote for your coverage.
  2. In-person: Want to talk to someone in-person? Visit one of Blue Cross’ statewide walk-in centers to get the help you need. Walk-in centers will be closed on the following days: Nov. 22, Nov. 23, Dec. 24, Dec. 25, Dec. 31 and Jan. 1. (Remember, the deadline to enroll for 2019 coverage is Dec. 15). Please note agents and health plan advisers may not be on-site at all times at Blue Cross walk-in centers.
  3. Over the phone: Call a Blue Cross Blue Shield of Michigan health plan advisor at 1-855-237-3501, or fill out this form to have a health plan advisor call you.

You might be confused about how to get coverage that works for you. Blue Cross Blue Shield of Michigan’s expert health plan advisers can help you understand and find coverage that could be more affordable than you think. Plus, there is still a possibility to receive financial help.

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