Getting sick can be both stressing and demanding, especially for those without health insurance coverage. Therefore, health insurance is one of the most prudent things you can get for yourself and your family as it will offer you some peace of mind when faced with health-related issues. Usually, you secure your health insurance during the open enrollment period (November 1st to December 15th each year). However, there are exceptional circumstances such as loss of coverage or in case of a life-changing event such as marriage, a divorce, or the birth of a child. In these cases, you can secure your health insurance quote outside the enrollment period.
Once you enroll in health insurance through your employer, you have up to 31 days to decide whether to join or back out. You may also have to wait up to 90 days for your insurance to kick in. However, once you have joined, you can only opt-out at the end of the enrollment period. Remember, the enrollment period for work-related health policies may differ from that of the marketplace.
Health insurance coverage may differ depending on the plan you secure. In many cases, work-related coverage options may vary from those of insurance companies. However, federal law requires insurance providers to offer 10 essential benefits. These include:
For most insurance companies, essential benefits are a minimum offer, and other additional pans may include dental and vision coverage. At Cunningham & Associates, we care about your health and that of your family. Our experienced agents have provided health insurance services to Texas residents, and you should not be left behind. Take control of your family's health by visiting our agent location or giving us a call. Our reputable insurance agents are ready to answer all your health questions and help you compare different quotes and select one that suits you best.