Health insurance is a product that comes with a lot of fine print. Allison Gormly tells us What's the Deal with open enrollment.
For employers, the timeframe varies, but it's typically in the fall.said the first question to ask yourself in both cases is, what's your health situation?
"Sometimes, unfortunately, people develop new health conditions," Ayoola said,"and that might mean that you need a plan with more coverage, or maybe you've started taking new prescription drugs."For example, if you spend winters in another state, original Medicare might make more sense than Medicare Advantage.
"It has more flexibility in terms of, you can take Original Medicare, and you can go to any doctor in the country, as long as they accept Medicare." That is because the original Medicare is managed by Uncle Sam and Medicare Advantage plans are managed by private companies.The final question: what's your income?"It has the different deductibles, co-pays, coinsurance, so it just depends on which provider that you go with," Ayoola said.
Just keep in mind that if you sign up for Medicare Advantage, then try to switch back to Original Medicare,
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