Open Enrollment for individual, family, and small business health insurance coverage begins November 1 for plans starting January 1, 2022. There are some changes this year because of a change to a state-based exchange. Everyone has to actively enroll at bewellnm.com. If people don’t enroll during this time, it could mean losing coverage or not being able to make changes to current coverage until late in 2022.
The COVID pandemic has shown us the importance of having health insurance. Good health care coverage is more important than ever as the COVID virus continues to infect our community. Having reliable health insurance coverage helps reduce the risk of financial hardship.
Comparing health insurance plans can be challenging.
The first thing an individual, family, or business should consider is what health services are most important. While cost can often be a determining factor, opting for a plan that saves you a few dollars a month can be costly in the long run if the health services being covered are inadequate in number or difficult to access or if you have large out-of-pocket costs when you seek those services. This is where a health insurance broker is worth their weight in gold. Find one you trust and look at the options and what will work best for your unique situation.
The smart move is to start planning now for 2022.
Unfortunately, the likelihood of the pandemic rolling into the new year is high. So, get with an insurance professional now or the folks at beWellnm and start planning so that you can secure quality coverage and healthy outcomes for you, your family, and your employees.
As you’re looking at options, you’ll want to consider what is most important to your family and the benefits you’ll likely use. True Health New Mexico is the only physician-led health insurance company in New Mexico. This means medical experts are the ones making the key policy decisions. As an example of our policies and philosophies, we have always offered zero deductible and zero co-pays for behavioral health. We know that unresolved behavioral health issues can lead to much more serious medical complications, which is why it’s been a benefit since day one.
During the pandemic, behavioral health has been a challenge for people, as well as regular and emergency medical care. We have always covered virtual (telehealth) visits with in-network providers. And this year, we rolled out Doctor on Demand, an excellent telehealth option for people that is available 24/7 from the comfort of your phone, tablet, or laptop.
Today, the world we live in has so many confusing messages, questionable news sources, and information overload. Fortunately, New Mexicans are lucky to have multiple reliable sources to get accurate and important information on health insurance options. Along with beWellnm, other trusted sources for information are the New Mexico Office of the Superintendent of Insurance (OSI.state.nm.us), health insurance brokers, health plans, and your medical professionals.
