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Open Enrollment is a valuable time to reassess your health insurance plan. Whether your health needs have changed or you’re seeking better coverage options, switching plans during this period can lead to significant benefits. Here’s a guide on what to consider when deciding to change your health insurance plan and how to navigate the process smoothly:

1. Why Consider Switching Plans

You may want to consider changing plans if any of the following situations apply to you:

• Premium Increases: If your current plan’s premium has risen, consider exploring other plans to find one that fits your budget.
• New Health Needs: Changes in health needs, like planned surgeries, starting a family, or managing a chronic condition, may mean your current plan no longer offers the best fit.
• Coverage Changes: If your plan’s benefits have changed—such as the loss of a preferred provider or reductions in prescription coverage—this might be a good time to look for a plan that better meets your needs.

What to consider when deciding on a new plan:

2. Review Key Plan Features

When selecting a health insurance plan, carefully evaluate these critical factors:

• Premiums: Your monthly payment for coverage. Lower premiums often mean higher deductibles, so find a balance that aligns with your budget and expected healthcare usage.
• Deductibles: The amount you pay out-of-pocket before insurance coverage begins. Low deductibles are beneficial if you anticipate frequent doctor visits.
• Copays/Coinsurance: Fixed fees or percentages you pay for each service. These costs can add up, so compare copays for services you use regularly.
• Out-of-Pocket Maximum: The annual limit on your out-of-pocket medical expenses. This provides financial protection in case of unexpected high-cost events like surgeries.

Most people will focus on monthly premium only, believing that this is the best way to determine savings. It makes sense to assume this because the premium is a monthly payment, so it is foremost in the consumer’s mind as the cost of their insurance. However, a more balanced and cost-effective plan will also keep other potential expenses in mind. ‍

3. Check Provider Networks

Each plan has a network of healthcare providers who accept the insurance, usually at lower rates than out-of-network providers. Make sure your preferred doctors, specialists, or facilities are covered by any new plan you’re considering.

If continuity of care is important, ensure your doctors are in-network. For families, verify coverage for each family member’s preferred providers.

4. Review Prescription Drug Coverage

Prescription coverage varies widely, especially for brand-name and specialty drugs. If you rely on specific medications, confirm they’re covered affordably under any plan you’re considering.

Review the formulary (list of covered drugs) for each plan. Many plans use tiered coverage, where generics are cheaper than brand-name drugs.

5. Assess Your Health Needs for the Upcoming Year

Predicting your healthcare needs for the coming year can help you choose a plan that provides the right balance of cost and coverage. If you anticipate needing more care than usual, a plan with lower out-of-pocket costs might be more economical, even if the premium is higher.

Think about any planned surgeries, specialist visits, or family additions (like a baby) that might impact your healthcare needs. 

6. Know the Deadlines and Process for Changing Plans

Open Enrollment generally runs from early November to mid-December, but specific dates vary by state. During this period, you can change your plan through your employer, the ACA marketplace, or your insurer’s platform. Once you select a new plan, coverage typically begins on January 1 of the following year. If you miss Open Enrollment, you’ll need a qualifying life event to make changes outside this period.

Changing health insurance plans during Open Enrollment can help you find better coverage that fits your health needs and budget. By reviewing plan options, understanding key terms, and evaluating your upcoming healthcare requirements, you can confidently switch plans and ensure a smooth transition to your new coverage. Let HealthBird guide you through the process with tools and resources to simplify your health insurance decisions.

Choosing the right health insurance plan can feel overwhelming, but it’s essential for protecting your health and finances. To help make the process smoother, here are the top 10 mistakes to avoid when selecting your health insurance coverage.

1. Only Looking at Premiums

It’s tempting to choose the plan with the lowest monthly premium, but a cheaper plan might come with higher deductibles and out-of-pocket costs. Be sure to factor in all costs, including copayments, coinsurance, and your maximum out-of-pocket limit, to get a full picture of your potential expenses.

2. Ignoring the Network of Providers

Each health insurance plan has a network of doctors, hospitals, and specialists that offer care at in-network rates. If your preferred doctor isn’t in-network, it doesn’t affect the costs of in-network providers, but it does mean you’ll likely pay higher, out-of-network prices if you choose to see that provider instead of an in-network doctor. Always check whether your preferred doctors and hospitals are part of the network before choosing a plan to avoid unexpected costs for out-of-network care.

3. Overlooking Prescription Drug Coverage

Not all health insurance plans cover the same medications, and some may charge higher copays for certain prescriptions. If you take regular medications, make sure your plan offers affordable prescription drug coverage. Review the formulary (list of covered drugs) to ensure your medications are included.

4. Choosing the Wrong Type of Plan

Health insurance comes in different forms, including HMOs, PPOs, EPOs, and POS plans. Each plan type has its own rules for accessing care. For example, an HMO typically requires you to choose a primary care doctor and get referrals for specialists, while a PPO gives you more flexibility to see out-of-network providers. Understanding the differences is key to picking the right plan for your lifestyle.

5. Underestimating Your Healthcare Needs

Many people select a plan based on their current health, without considering possible changes in the future. If you anticipate needing surgery, frequent specialist visits, or starting a family, you may want to choose a plan with lower deductibles and better overall coverage. Being proactive can save you money and stress in the long run.

6. Not Taking Advantage of Subsidies

If you’re purchasing health insurance through the Marketplace, you might qualify for subsidies or premium tax credits to lower your monthly costs. Be sure to check if you’re eligible for financial assistance by entering your income and family size during the application process. Not taking advantage of subsidies could result in paying more than necessary for coverage.

7. Failing to Account for Out-of-Pocket Maximums

The out-of-pocket maximum is the most you’ll pay for healthcare in a given year, after which your insurance covers 100% of covered services. Plans with lower premiums may have higher out-of-pocket maximums, which can lead to unexpected financial strain if you face serious health issues. Make sure the out-of-pocket maximum is something you can afford in the event of a major illness or accident.

8. Skipping Preventive Care Benefits

Many health insurance plans offer free preventive care services, like vaccinations, screenings, and annual wellness visits, but not everyone takes advantage of these. Choosing a plan that includes a wide range of preventive services can help you stay healthy and avoid costly medical bills down the road.

9. Overlooking Telehealth Services

In today’s world, telehealth has become an increasingly popular and convenient way to access medical care. However, not all plans offer telehealth services, or they may charge extra fees for them. If you prefer virtual appointments or want to avoid trips to the doctor’s office, check if your plan includes telehealth coverage.

10. Forgetting to Update Your Plan After Life Changes

Life events like getting married, having a baby, or changing jobs can affect your health insurance needs. Many people forget to adjust their plan when their circumstances change, leading to gaps in coverage or higher costs. Be sure to update your health insurance during Special Enrollment Periods if any of these changes apply to you.

Choosing health insurance doesn’t have to be stressful. By avoiding these common mistakes and carefully reviewing your plan’s details, you can find coverage that fits both your health needs and your budget.

Get started with HealthBird today to compare plans and ensure you’re making the best choice for your healthcare.

Open Enrollment is a critical time to choose or renew health insurance coverage, but it can be confusing with all the industry-specific terms. Understanding these key terms can help you make informed decisions about your healthcare and select the best plan for your needs. Here’s a glossary of essential health insurance terms to guide you through Open Enrollment.

Premium

The amount you pay monthly for your health insurance plan. Think of it as your subscription fee to keep your coverage active.

Example: If your monthly premium is $300, you’ll pay that amount each month regardless of whether you use any healthcare services.

Deductible

The amount you need to pay out of pocket for covered healthcare services before your insurance plan begins to share costs.

Example: If your deductible is $1,500, you’ll pay all medical expenses up to $1,500 before your insurer covers a portion of additional costs.

Copayment (Copay)

A fixed amount you pay for specific services, like doctor visits or prescriptions, as part of your cost-sharing with the insurer.

Example: Your plan may have a $25 copay for primary care visits, meaning you’ll pay that amount for each visit.

Coinsurance

The percentage of costs you share with your insurer after meeting your deductible. Coinsurance applies until you reach your out-of-pocket maximum.

Example: With 20% coinsurance, you’ll pay 20% of covered services, and your insurer will cover the remaining 80% after your deductible is met.

Out-of-Pocket Maximum

The maximum amount you’ll pay in a year for covered services, including deductibles, copays, and coinsurance. After reaching this limit, your insurer covers 100% of costs for covered services.

Example: If your out-of-pocket maximum is $6,000, you won’t pay more than that amount in a year for covered care.

Network

A group of doctors, hospitals, and other providers that your insurer contracts with to offer services at a discounted rate. Staying in-network usually costs less than seeing out-of-network providers.

Always confirm that your preferred providers are in-network to avoid higher out-of-pocket expenses.

In-Network and Out-of-Network

In-network providers are part of your insurer’s network, and their services typically cost less. Out-of-network providers are not contracted with your insurer, often resulting in higher costs or no coverage.

Example: An in-network primary care visit may have a $25 copay, while an out-of-network visit could cost significantly more.

Health Maintenance Organization (HMO)

A type of health insurance plan that requires you to use in-network providers for care, except in emergencies. HMOs usually require a primary care physician (PCP) referral to see specialists.

HMOs can be more affordable but have limited provider options. Make sure your preferred doctors are within the HMO network.

Preferred Provider Organization (PPO)

A plan that offers more flexibility in choosing providers, allowing you to see both in-network and out-of-network providers without a referral. PPOs typically have higher premiums but offer broader provider access.

If you prefer more provider options, a PPO plan may be a better fit, even with higher premiums.

Exclusive Provider Organization (EPO)

An EPO plan combines features of HMOs and PPOs, requiring you to use in-network providers without referrals but offering no coverage for out-of-network care (except in emergencies).

EPOs are ideal for those who want more freedom than an HMO but don’t need out-of-network access.

High Deductible Health Plan (HDHP)

A plan with a higher deductible and lower premium, often paired with a Health Savings Account (HSA). HDHPs are designed for those who want lower monthly premiums and are prepared for higher out-of-pocket costs.

HDHPs are best for those who expect low medical expenses and want to save on premiums.

Health Savings Account (HSA)

A tax-advantaged savings account available with HDHPs, allowing you to set aside money for medical expenses. Funds in an HSA are tax-free and roll over year to year. Read about how to maximize your HSA.

 HSAs are a great option for saving pre-tax dollars for future healthcare costs, and contributions can even be invested.

Special Enrollment Period (SEP)

A time outside of Open Enrollment when you can enroll in or change your health insurance plan, triggered by certain life events such as marriage, childbirth, or job loss.

If you experience a qualifying event, you may be eligible for an SEP to adjust your coverage.

Preventive Care

Services intended to prevent illness or detect health issues early, such as vaccinations, screenings, and annual check-ups. Most preventive care is covered at no cost to you.

Take advantage of preventive care benefits as they’re often fully covered under most health plans.

Formulary

A list of prescription drugs covered by your insurance plan. Drugs are often divided into tiers, with higher costs for brand-name or specialty medications.

Check your plan’s formulary if you rely on specific medications to ensure they’re covered affordably.

Premium Tax Credit

A subsidy that lowers your monthly premium cost for ACA marketplace plans, based on your income and household size.

Update your income and household information to see if you qualify for financial assistance through the ACA.

For a more comprehensive guide to health insurance terminology, visit our Insurance Terminology section. This resource provides clear definitions and explanations to help you navigate your healthcare options with confidence to select the right plan during Open Enrollment. With this knowledge, you’ll be better equipped to evaluate your options, compare costs, and make choices that align with your healthcare needs and budget. Let HealthBird help guide you through the process with personalized recommendations to make Open Enrollment a stress-free experience.

High Deductible Health Plans (HDHPs) have become increasingly popular due to their lower monthly premiums and potential for tax savings. However, HDHPs aren’t for everyone. Choosing this type of plan depends on your health needs, financial situation, and comfort level with higher out-of-pocket expenses. Here’s what you need to know to decide if an HDHP is right for you.

What is a High Deductible Health Plan (HDHP)?

An HDHP is a health insurance plan with a higher deductible than traditional plans. This means you’ll pay more out-of-pocket before your insurance starts covering costs. In exchange, HDHPs typically offer lower monthly premiums, making them an affordable option for those who don’t expect to need frequent healthcare services.

Pros of an HDHP

HDHPs can be beneficial for some people, especially if you’re looking to save on premiums and have a relatively low need for medical services.

• Lower Monthly Premiums: HDHPs generally have lower premiums, making them cost-effective if you don’t expect to visit the doctor often.
• Eligibility for a Health Savings Account (HSA): HDHPs allow you to open an HSA, which offers tax-free savings for medical expenses.
• Potential Tax Benefits: Contributions to an HSA are tax-deductible, grow tax-free, and can be used tax-free for qualifying medical expenses.

Cons of an HDHP

HDHPs aren’t ideal for everyone, especially if you expect to have high healthcare costs or want more predictable out-of-pocket expenses.

• Higher Out-of-Pocket Costs: With a high deductible, you’ll pay more out-of-pocket for healthcare until you reach your deductible.
• Less Predictable Expenses: While premiums are lower, HDHPs can be costly if you unexpectedly need significant medical care, as you’ll have to cover more upfront.
• May Discourage Preventive Care: Although preventive services are covered by the ACA, some people with HDHPs may hesitate to seek care, fearing high costs for diagnostic tests or treatments.

 Who Might Benefit from an HDHP?

HDHPs can be a good fit for certain people and situations:

• Healthy Individuals and Families: If you’re generally healthy and don’t anticipate many medical needs, an HDHP can help you save on premiums.
• Young Adults and Low-Risk Individuals: People who are younger and don’t have chronic conditions may find that an HDHP provides sufficient coverage at a lower cost.
• People Looking to Save with an HSA: If you want to save for future healthcare costs tax-free, an HSA can be a valuable tool when paired with an HDHP.

Understanding the Health Savings Account (HSA)

One of the primary benefits of an HDHP is HSA eligibility. An HSA allows you to set aside pre-tax dollars for healthcare expenses, providing a financial safety net for high-deductible plans.

• Triple Tax Benefits: Contributions are tax-deductible, grow tax-free, and withdrawals for qualified expenses are also tax-free.
• Rollover Funds: Unlike Flexible Spending Accounts (FSAs), HSA funds roll over year to year, allowing you to accumulate savings.
• Investment Opportunities: Some HSAs offer investment options, allowing your contributions to grow over time.

Weighing Out-of-Pocket Costs vs. Monthly Savings

When considering an HDHP, think about your comfort level with out-of-pocket costs versus monthly premium savings. HDHPs require a higher upfront cost if you need care, so it’s essential to have enough savings to cover these expenses.

If you’re considering an HDHP, aim to have at least enough saved in your HSA or other accounts to cover the deductible.

Check What’s Covered Before the Deductible

Many HDHPs cover preventive services like annual check-ups, immunizations, and screenings without requiring you to meet the deductible. Knowing what’s covered can help you access routine care without worrying about out-of-pocket costs.‍

Review your plan’s summary to understand which services are covered before meeting the deductible.

Think Long-Term with HSA Contributions

If you don’t use your HSA funds each year, they roll over, allowing you to build a healthcare savings fund for future needs. You can even use HSA funds in retirement, making an HDHP a long-term healthcare savings strategy.

Max out your HSA contributions if possible. The funds can be a valuable resource for future medical expenses and, in retirement, can be used for non-medical expenses (taxed at regular rates).

Choosing an HDHP can be a strategic way to save on premiums and build a healthcare savings fund, but it requires planning and comfort with higher deductibles. By weighing the pros and cons, assessing your health needs, and maximizing HSA benefits, you can decide if an HDHP is the best fit for your financial and healthcare goals. Let HealthBird guide you in comparing plan options to ensure you find the coverage that’s right for you.

Health insurance is a crucial safety net that provides access to necessary medical care and helps protect you from the financial burden of unexpected health issues. But what happens if you don’t have health insurance? The consequences of being uninsured can be significant, both medically and financially. Here’s what you need to know.

1. You Could Face High Medical Bills

One of the most immediate risks of not having health insurance is the potential for high out-of-pocket medical expenses. If you get sick or injured and need to visit the doctor, go to the emergency room, or undergo surgery, you’ll be responsible for paying the full cost of care.

Emergency Care: A visit to the emergency room can cost thousands of dollars, especially for major health issues like broken bones or heart attacks.

Surgery Costs: Without insurance, surgeries and hospital stays can range from a few thousand to tens of thousands of dollars, depending on the procedure.

Chronic Conditions: Managing chronic conditions like diabetes, asthma, or hypertension can become prohibitively expensive without regular doctor visits, medications, and treatment.

In fact, medical bills are one of the leading causes of personal bankruptcy in the United States. Having insurance can help protect you from the full financial burden of unexpected medical events.

2. Delayed or Skipped Medical Care

Without health insurance, many people tend to delay or avoid getting necessary medical care. This can lead to more severe health problems down the road, as minor issues may go untreated and worsen over time. For example:

Skipping Preventive Care: Without insurance, you’re less likely to schedule preventive screenings, vaccinations, or annual checkups, which are essential for catching illnesses early.

Avoiding Prescription Medications: Without coverage, the cost of prescription drugs can be steep, leading some people to avoid filling essential prescriptions.

Delaying care can mean that a minor issue like a simple infection could turn into a serious medical condition requiring hospitalization.

3. You May Pay the Individual Mandate Penalty (in Some States)

While the individual mandate penalty for not having health insurance was removed at the federal level in 2019, several states still have their own health insurance mandates. If you live in states like California, Massachusetts, New Jersey, Rhode Island, or Vermont, you may be required to pay a penalty if you’re uninsured.

The penalty in these states varies but is often calculated based on a percentage of your income or a flat dollar amount, whichever is higher.

Check your state’s regulations to see if you could face a financial penalty for not having health insurance.

4. Difficulty Accessing Certain Types of Care

Many hospitals and clinics require proof of insurance before scheduling certain types of treatment or elective procedures. Without health insurance, it can be challenging to find specialists, and you may face longer wait times or even be turned away for non-emergency services.

Elective Procedures: Procedures like physical therapy, dental care, or certain surgeries may be difficult to access without insurance.

Specialist Care: Finding a specialist to treat chronic conditions or complex medical issues can be particularly difficult without coverage.

5. Lack of Access to Preventive Services

Preventive services such as vaccines, screenings, and wellness visits are often covered at no cost under health insurance plans. Without insurance, the costs for these services can add up, and many people may forego them altogether. This increases the likelihood of serious health problems developing over time.

Preventive screenings: Regular screenings for conditions like cancer, high blood pressure, and cholesterol can help detect issues early, improving outcomes. Without these, health conditions may go unnoticed until they become severe.

6. Increased Stress and Anxiety

Being uninsured can lead to significant stress, especially if you have health concerns or are facing the possibility of unexpected medical bills. Worrying about how you’ll pay for healthcare or the costs of a medical emergency can take a toll on your mental and emotional well-being.

Financial Stress: The fear of unexpected medical costs can create financial insecurity and make it difficult to manage household budgets or plan for the future.

Mental Health Impact: Living without health insurance can contribute to anxiety and stress, especially if you or a loved one need ongoing medical care.

7. Missing Out on Employer Benefits

If you’re employed, not having health insurance may mean you’re missing out on valuable employer-sponsored health benefits. Many employers offer health insurance as part of their benefits package, often with significant contributions toward premiums. If you’re eligible for employer-sponsored insurance, it’s worth considering the benefits and cost savings it provides.

Not having health insurance can lead to serious financial, medical, and emotional consequences. Even if you’re young and healthy, it’s essential to consider health insurance as a key part of your financial planning and well-being. If you’re unsure about your options, HealthBird can help you find affordable coverage that meets your needs.

Explore health insurance plans with HealthBird today to avoid the risks and uncertainties of being uninsured.

It’s easy to get drawn into clickbait that promises “free money” for health costs, but often those links lead to ads or sketchy websites. The good news? There’s a real, government-backed subsidy through the Affordable Care Act (ACA) that can help lower your monthly health insurance costs—while the average subsidy amount cited in some ads was $6,400 annually, the actual amount varies depending on household size and income. It may be more or less than $6,400 based on your specific circumstances. Here’s a breakdown of how it works and how to apply without the hassle.

1. What’s a Subsidy?

Think of it as a big discount on your health insurance! The government offers this discount to make health insurance more affordable, so you pay less each month.

2. What’s the $6,400 About?

Some people can get significant savings on their insurance costs, with $6,400 often cited as an average figure. However, $6,400 is not a real limit set by the government; the exact amount depends on factors like your income and family size, and it can vary widely based on individual circumstances.

3. Do I Qualify for This Discount?

Here’s the quick checklist:

• Income: Your income needs to be within a certain range—not too much, not too little.
• U.S. Resident: You must be legally in the U.S.
• No Job Insurance: You can’t already have affordable insurance through your job.
• Buy Insurance on Healthcare.gov: You only get this discount if you sign up through the government’s website or your state’s insurance site.

4. How to Apply

• Visit HealthBird’s Enrollment Page: Begin your application directly on our site, where we guide you through the process.
• Create an Account or Log In if you already have one.
• Enter Your Info: Add your income and family details (basically, who needs insurance and what you make).
• See Your Discount: The site shows how much money you’ll save each month.
• Pick Your Plan: Choose a health insurance plan that suits you, and your discount will automatically make it cheaper.

5. A Few Extra Things to Remember

• Be Accurate with Income: Make sure to enter your pre-tax income, as this affects the discount amount you’ll receive.
• Look for Extra Benefits: Some plans have added perks, like dental care or eye care.

6. When to Sign Up?

Open Enrollment is the only time of year to apply, usually between November 1 and December 15.

With this real government subsidy, you’ll get a big savings boost for health insurance costs. And if it feels confusing, HealthBird can guide you through finding a plan that works for your needs and budget!

Take Action

If you’re looking to reduce your healthcare costs, the ACA subsidy can help make health insurance more affordable for you and your family. Get started today with HealthBird, where we help you compare plans and maximize your subsidy savings.

Navigating health insurance can be overwhelming, especially when it comes to understanding Open Enrollment. This critical period allows individuals and families to review, renew, or change their health insurance plans for the upcoming year. Missing this window can leave you without coverage or stuck with a plan that doesn’t meet your needs.

Here’s everything you need to know about Open Enrollment, including key deadlines and tips for making the most of it.

What is Open Enrollment?

Open Enrollment is the designated period each year when you can make changes to your health insurance coverage or sign up for a new plan. Whether you receive insurance through the Affordable Care Act (ACA) Marketplace, your employer, or Medicare, this period is your opportunity to ensure you have the right coverage.

Key Dates for Open Enrollment

• For ACA Marketplace Plans: The Open Enrollment period for 2025 health coverage typically runs from November 1, 2024, to December 15, 2025. However, some states with their own exchanges may extend this deadline.
• For Employer-Sponsored Plans: Your employer will set the Open Enrollment period, usually occurring between October and December. Be sure to check with your HR department for specific dates.
• For Medicare: Medicare Open Enrollment runs from October 15 to December 7 each year.

If you miss the ACA Open Enrollment deadline, you may need to wait until the next period to make changes, unless you qualify for a Special Enrollment Period (SEP) due to life events like marriage, the birth of a child, or loss of other coverage. Keep in mind that employer-sponsored and Medicare plans have their own rules and enrollment periods.

Tips for a Successful Open Enrollment

1. Review Your Current Plan:
   Even if you’re happy with your current coverage, take time to review your plan’s details. Premiums, deductibles, and covered services may change from year to year, and your healthcare needs might have shifted as well. Make sure your plan still fits your budget and covers the healthcare services you use most.
2. Compare Plans:
   Use the Open Enrollment period to shop around and compare different plans. Look for changes in:

• Premiums: How much you pay each month for coverage.
• Deductibles and Copays: Out-of-pocket costs before your insurance kicks in.
• Provider Networks: Make sure your preferred doctors and specialists are still in-network.

3. Prescription Coverage:
   Check that your medications are still covered under the plan you’re considering.
4. Understand Your Health Needs:
   Your health needs might change over time, so it’s important to evaluate what type of coverage you’ll need in the coming year. Are you planning on starting a family? Do you anticipate more specialist visits or prescriptions? Tailor your health insurance plan to fit your anticipated healthcare requirements.
5. Check for Subsidies:
   If you’re purchasing an ACA Marketplace plan, you might be eligible for a Premium Tax Credit or subsidies to lower your monthly premiums. Make sure to update your income information to see if you qualify for financial assistance.
6. Look for New Benefits:
   Many plans add new benefits each year. For example, some may now include telehealth services, mental health care, or wellness programs. Review all benefits to ensure you’re maximizing your coverage.

Take Advantage of Special Enrollment Periods (SEPs):

If you experience a qualifying life event like getting married, having a baby, or losing other coverage, you may qualify for a Special Enrollment Period outside of Open Enrollment. This allows you to make changes to your plan without waiting for the next annual period.

What Happens if You Miss Open Enrollment?

If you miss the Open Enrollment deadline, you may be stuck with your current plan or go without health coverage for the entire year, unless you qualify for a Special Enrollment Period. While there is no longer a federal tax penalty for going without ACA coverage since 2019, a few states — California, the District of Columbia, Massachusetts, New Jersey, and Rhode Island — still impose penalties for being uninsured. For those with employer-sponsored coverage, missing the deadline means you won’t be able to change your plan until the next Open Enrollment period or until a qualifying event occurs.

Get Started with HealthBird Today and make Open Enrollment stress-free by using our platform to compare health insurance options and get personalized recommendations.

Are you tired of juggling multiple apps just to book a doctor's appointment? HealthBird keeps taking steps forward and we’re now partnering with Zocdoc to simplify your healthcare journey.

Zocdoc is a leading platform for finding and booking doctor's appointments. With Zocdoc, you can easily search for doctors in your network, read reviews, and book appointments online.  

By partnering with Zocdoc, HealthBird is providing you with:

• Faster appointment booking: Schedule appointments in just a few taps.
• In-network doctors: Find doctors that are covered by your insurance plan for your specific needs and preferences.
• Simplified healthcare management: Keep track of your appointments, medications, and health records all in one place.

No more stress or hassle. HealthBird and Zocdoc are here to make your healthcare experience seamless and convenient.

Not part of our flock yet? Get a free quote now and get to make the most out of your health insurance.

Sorting through healthcare in retirement can seem overwhelming, but Medicare is designed to ensure that older adults and certain younger individuals with disabilities have access to affordable healthcare. Whether you’re about to turn 65 or are already enrolled in Medicare, understanding the basics of this program can help you make the most of your healthcare coverage.

What is Medicare?

Medicare is a federal health insurance program primarily for individuals aged 65 and older, though it also covers some younger individuals with disabilities or specific health conditions. The program is divided into several parts:

• Medicare Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health services.

• Medicare Part B (Medical Insurance): Covers outpatient care, doctor’s visits, preventive services, and medical supplies.

• Medicare Part C (Medicare Advantage): Offered by private companies, these plans bundle Part A, Part B, and often Part D, offering additional benefits like vision, dental, and wellness programs.

• Medicare Part D (Prescription Drug Coverage): Helps cover the cost of prescription medications.

How to Choose the Right Medicare Plan

Choosing the right Medicare plan depends on your unique healthcare needs, lifestyle, and budget. Here are some key considerations when selecting your plan:

1. Healthcare Needs: Do you visit the doctor often, or do you require specialized care? If so, a Medicare Advantage plan might offer additional benefits, such as prescription coverage and wellness programs.

2. Prescription Costs: If you take prescription medications, ensure your plan includes drug coverage under Medicare Part D. Check to see if your prescriptions are covered at the lowest possible cost.

3. Budget: Understand the costs involved, including premiums, deductibles, and copays. Original Medicare (Parts A and B) has standardized costs, but if you choose a Medicare Advantage or Medigap plan, the costs can vary based on the provider and plan.

4. Provider Network: If you prefer seeing specific doctors or specialists, verify whether they accept Medicare or are part of your plan’s network.

Medigap: Supplemental Coverage for Original Medicare

For those choosing Original Medicare (Parts A and B), there are gaps in coverage, such as deductibles and copayments. Medigap (Medicare Supplement Insurance) helps cover these additional costs, giving you peace of mind by limiting out-of-pocket expenses. These plans are sold by private companies and can be especially beneficial for those who travel frequently or need extensive healthcare services.

Important Considerations for 2024

As healthcare needs evolve, Medicare continues to adapt. Some updates for 2024 include:

• Expanded Preventive Care: New preventive services may be available, such as additional mental health screenings and wellness checks.

• Lower Prescription Costs: Changes to drug pricing regulations are expected to bring down the cost of certain medications, including insulin.

Exploring All Your Options with HealthBird

For those approaching Medicare age or seeking alternative coverage, HealthBird provides a range of solutions to meet your needs. If you don’t qualify for Medicare, our platform allows you to explore various health plans, compare options, check available subsidies, and find coverage that aligns with both your healthcare needs and budget. Start today with a free quote to ensure you’re on the best plan for 2025 and beyond.

Regular checkups with your healthcare provider are often seen as a necessary but sometimes overlooked aspect of health maintenance. However, these routine appointments play a crucial role in early disease detection and prevention. By making preventive care a priority, you can significantly improve your overall health and well-being.

The Benefits of Preventive Care

• Early Disease Detection: Regular checkups allow healthcare providers to identify potential health problems at their earliest stages when they are often easier to treat. This can lead to better outcomes and reduce the severity of illnesses.
• Disease Prevention: Preventive care measures, such as vaccinations and screenings, can help prevent diseases altogether. For example, regular vaccinations can protect against infectious diseases, while screenings for conditions like cancer and heart disease can identify risk factors and allow for early intervention.
• Improved Overall Health: Preventive care helps you maintain optimal health by addressing underlying issues, monitoring your vital signs, and providing guidance on lifestyle choices.
• Reduced Healthcare Costs: Catching diseases early often leads to less expensive and less invasive treatments, ultimately saving you money in the long run.

What to Expect at a Preventive Checkup

The specific tests and procedures involved in a preventive checkup will vary depending on your age, gender, and health history. However, common elements include:

• Physical exam: A thorough examination of your body to assess your overall health and identify any abnormalities.
• Vital signs: Measurement of your blood pressure, heart rate, temperature, and respiratory rate.
• Blood tests: To check for cholesterol, blood sugar, and other important markers.
• Vaccinations: Ensuring you are up-to-date on recommended immunizations.
• Screening tests: Depending on your age and risk factors, you may undergo screenings for conditions like cancer, heart disease, and diabetes.

Tips for Making the Most of Your Preventive Checkups

• Be prepared: Bring a list of any symptoms, medications, or concerns you want to discuss with your healthcare provider.
• Ask questions: Don't hesitate to ask your doctor any questions you may have about your health or preventive care.
• Follow recommendations: Adhere to your doctor's advice regarding screenings, lifestyle changes, and follow-up appointments.
• Schedule regular checkups: Make preventive care a priority by scheduling regular appointments with your healthcare provider.

Remember: Preventive care is an investment in your health and well-being. By prioritizing regular checkups and following your healthcare provider's recommendations, you can significantly reduce your risk of serious health problems and enjoy a healthier, happier life.

Ready to take the next step? Schedule your preventive checkup today and let HealthBird be your partner in a healthier future. Get a free quote now and get access to our app to book an appointment with in-network doctors for your annual check up.

In today's digital age, healthcare providers increasingly rely on electronic health records (EHRs) to store and manage patient information. While EHRs offer many benefits, they also raise concerns about data security. Protecting your medical records is crucial to safeguarding your privacy and preventing identity theft.

Understanding the Risks

Data breaches in the healthcare industry can have serious consequences. If your medical records are compromised, it could lead to:

• Identity theft
• Financial fraud
• Discrimination
• Emotional distress

How to Protect Your Medical Records

Here are some steps you can take to protect your medical information:

• Choose a reputable healthcare provider: Research the provider's security practices and track record.
• Be cautious with online portals: When using online patient portals, use strong, unique passwords and be wary of suspicious emails or links.
• Limit access to your medical records: Only share your medical information with authorized healthcare providers.
• Monitor your credit reports: Regularly check your credit reports for signs of identity theft.
• Report data breaches: If you suspect a data breach, report it to your healthcare provider and the appropriate authorities.
• Ask questions: Don't hesitate to ask your healthcare provider about their security measures and how they protect your medical information.

HealthBird's Commitment to Security

At HealthBird, we prioritize the security of your medical records. We employ advanced security measures to protect your data, including:

• Encryption: Your data is encrypted to prevent unauthorized access.
• Access controls: We implement strict access controls to limit who can view your information.
• Regular security audits: We conduct regular audits to identify and address any vulnerabilities.
• Compliance with regulations: We adhere to industry standards and regulations, such as HIPAA.

By understanding the risks and taking proactive steps to protect your medical records, you can help ensure your privacy and peace of mind.

Need more information? Get a free quote so our Member Concierge team can give you personalized guidance to choose a health insurance plan that helps you keep your information safe.

Losing your job can be a stressful experience, and healthcare coverage is often a major concern. Fortunately, the Consolidated Omnibus Budget Reconciliation Act (COBRA) gives you the right to continue your employer-sponsored health insurance plan for a limited time after a qualifying event, like job loss. However, COBRA comes with its own set of considerations. Let's delve into the ins and outs of COBRA to help you make informed decisions.

Who is Eligible for COBRA?

COBRA continuation coverage applies to employees of companies with 20 or more employees on at least 50% of their regular working days in the prior year. It also applies to certain retired individuals, their spouses, and their dependent children who lose health coverage due to qualifying events. Here are some common qualifying events:

• Voluntary or involuntary job termination (except for gross misconduct)
• Reduction in working hours resulting in loss of coverage
• Death of a covered employee
• Divorce or legal separation from a covered employee

What Does COBRA Cover?

COBRA allows you to continue the same health insurance plan you had through your employer. However, it's important to remember that you'll be responsible for paying the entire premium cost, including the portion your employer previously contributed.

How Long Does COBRA Coverage Last?

COBRA coverage typically lasts for 18 months for most qualifying events. However, for dependent children who lose coverage due to a parent's death or divorce, coverage can extend to 36 months.

Things to Consider with COBRA:

• Cost: COBRA premiums can be expensive, so carefully assess your budget before opting for COBRA.
• Alternatives: Explore other health insurance options available to you, such as coverage through the Affordable Care Act marketplace, Medicaid, or Medicare.
• Decision Deadline: You typically have 60 days to elect COBRA coverage after receiving a notification of your eligibility.

Making the Right Choice for You

Losing your job and health insurance can be overwhelming, but COBRA offers a temporary safety net. Carefully consider your budget, explore alternative options, and understand the limitations of COBRA before making a decision.

Additional Resources:

• U.S. Department of Labor: COBRA Continuation Coverage
• Healthcare.gov: Find health coverage [invalid URL removed]

Remember: This blog post is for informational purposes only and does not constitute legal advice. It's always best to consult with an insurance broker or legal professional for personalized guidance on your specific situation.

Need more help? Contact HealthBird's Member Concierge team for personalized assistance with understanding your COBRA options and exploring other health insurance alternatives.

Having a job often comes with the perk of employer-sponsored health insurance. Understanding how this type of coverage works can help you make informed decisions about your healthcare benefits. Let's break down the basics.

How Does Employer-Sponsored Health Insurance Work?

Your employer typically partners with an insurance carrier to offer health insurance plans to their employees. These plans are often group health plans, which means they cover a group of people (usually employees and their dependents).

Understanding Your Options:

Your employer may offer a variety of health insurance plans, each with its own benefits, costs, and deductibles. Common plan types include:

• Health Maintenance Organizations (HMOs): Emphasize a coordinated approach to care within a network of providers.
• Preferred Provider Organizations (PPOs): Offer more flexibility in choosing providers, including out-of-network options.
• Health Reimbursement Arrangements (HRAs): Reimburse employees for qualified medical expenses.
• Flexible Spending Accounts (FSAs): Allow employees to set aside pre-tax money for medical expenses.

Open Enrollment and Making Selections:

Your employer will typically have an open enrollment period when you can choose or change your health insurance plan. Pay close attention to deadlines and review your options carefully.

Understanding Your Plan:

Once you've selected a plan, it's crucial to understand its terms and conditions. Key factors to consider include:

• Deductibles: The amount you pay out-of-pocket before your insurance coverage kicks in.
• Copays: Flat fees paid at the time of service.
• Coinsurance: The percentage you're responsible for paying after your deductible is met.
• Out-of-pocket maximum: The maximum amount you'll pay for covered medical expenses in a year.
• Network: The group of healthcare providers contracted with your insurance plan.

Using Your Benefits Effectively:

To maximize your health insurance benefits:

• See in-network providers: This typically results in lower out-of-pocket costs.
• Utilize preventive care services: Many plans cover preventive screenings and checkups at no cost.
• Track your out-of-pocket expenses: Keep records of your medical bills and payments to ensure you're not exceeding your out-of-pocket maximum.
• Review your plan regularly: Health insurance plans can change over time. Stay informed about any updates or modifications.

Navigating Health Insurance Changes:

If you experience a qualifying life event, such as getting married, having a baby, or losing your job, you may be eligible for a special enrollment period to change your health insurance plan outside of the regular open enrollment window.

Remember: Health insurance can be complex, but understanding your options and how your plan works is essential for making informed decisions and maximizing your benefits.

Need more help?  HealthBird can help you find the best health insurance option to fit your budget and needs, get a free quote now..

Healthcare costs can be a significant financial burden. Fortunately, there are various financial assistance programs available to help individuals and families offset these expenses. This blog post will explore some common programs and provide guidance on how to access them.

Government Assistance Programs:

• Medicaid: A state-funded program that provides health insurance to low-income individuals and families.
• Medicare: A federal health insurance program for individuals aged 65 and older, as well as younger people with certain disabilities.  
• Affordable Care Act (ACA) Subsidies: Tax credits that help lower the cost of health insurance premiums for eligible individuals and families. These subsidies can be up to $6,400 per year for eligible individuals and families. To see if you qualify, you can use the Marketplace's subsidy calculator.
• CHIP: A program that provides health insurance for children and young adults.

Charitable Organizations:

• Patient Assistance Programs (PAPs): Offered by many pharmaceutical companies, PAPs provide free or discounted medications to eligible patients.
• Health Charity Organizations: These organizations provide financial assistance for medical expenses, often focusing on specific diseases or patient populations.
• Community Health Centers: These centers offer affordable healthcare services, including primary care and prescription assistance.

Employer Assistance Programs:

• Employee Assistance Programs (EAPs): Many employers offer EAPs that provide counseling, financial assistance, and other resources for employees.
• Health Reimbursement Arrangements (HRAs): HRAs allow employers to reimburse employees for qualified medical expenses.

How to Apply for Financial Assistance:

The application process for financial assistance programs can vary depending on the specific program. Generally, you'll need to provide information about your income, household size, and other relevant factors.

Tips for Applying:

• Gather necessary documentation: This may include proof of income, identification, and medical bills.
• Be patient: The application process can take time, so be prepared to wait for a response.
• Appeal if denied: If you are initially denied assistance, you may be able to appeal the decision.

Remember: Seeking financial assistance for healthcare costs is nothing to be ashamed of. Many people rely on these programs to access essential medical care.

Need more help?  HealthBird can help you find the best health insurance option to fit your budget and needs, get a free quote now.

Data is the lifeblood of decision-making, most especially in healthcare. Without all the information gathered, breakthroughs won’t be made, treatments will remain stagnant, and patient outcomes won't improve.

Insights derived from data analytics help propel medical advancements, which in turn enable better patient care and innovative solutions to current and future health challenges. However, this is not only limited to direct patient care. Healthcare insurance companies are also unlocking these capabilities, enabling smarter, faster, and more efficient operations to provide tailored coverage, accurate risk assessments, and better cost management.

The Role of Technology and Data Analytics in Health Insurance

As technology continues to advance—with new tools and solutions emerging every day, such as AI, chatbots, and even free VPNs for Mac for enhanced personalization, privacy, and security—substantial advantages have also emerged for the healthcare sector. Here are some of the ways technology, data analytics, and personalized approaches have transformed the future of health insurance:

1. Predictive Analytics. We are all prone to health risks. That’s why data analytics’ ability to help assess our risk profiles is one of its greatest contributions to the medical field. By analyzing the data gathered, it can identify patterns and help forecast possible health concerns and possible costs. Not only that, but predictive analytics can also utilize this data to determine the risks of developing health conditions, like diabetes, heart disease, and others. Upon knowing these, interventions can already be implemented before these conditions arise or worsen. Moreover, by deeply looking into genetic formation, lifestyle practices, medical histories, and contributing factors to overall health, health providers can come up with more proactive pricing that is both beneficial to the insurer and the policyholder.

2. Wearable Devices. Fitness trackers and smartwatches may have become part of fashion statements among many individuals, but these wearables have actually better use than their superficial appeal. Personal data recorded on these devices can now be integrated into health insurance plans—for real-time monitoring and providing of personal feedback and recommendations. By tracking metrics, such as heart rate, activity levels, water intake, and sleep patterns, health insurance providers can gain significant insights in identifying the best plan that can cater to the needs and lifestyle of the customer at the most cost-effective rate.

3. Telemedicine. The pandemic has had us recalibrating our priorities in life, most importantly our health. It has also amplified the services that have become a norm even up to the present: telemedicine. This integration has allowed virtual consultations, allowing experts to extend their services and expertise online. Telemedicine has not only reshaped the way services are provided but has also redefined the scope and potential of data analytics. Through this interaction, valuable data are gathered and analyzed in real-time and can be immediately used to help in early identification and prevention of disease. Apart from that, this has also enhanced the diagnosis and post-treatment monitoring process.

4. Personalized Coverage. What was once a product-centric industry has now shifted to a more member-focused approach, especially with the implementation of data analytics. Health insurance companies can better analyze consumer data and provide personalized coverage options that are specifically designed for the needs of individuals—with more relevant benefits and services. Through this, consumers are better informed of what they actually need, rather than blindly paying for unnecessary services. This shift not only enhances customer satisfaction but also strengthens the relationship between insurers and their members by providing more meaningful and effective coverage, which nurtures trust and loyalty.

5. Simplified Processes. Guess we can agree that many people shy away from purchasing health insurance because of the perceived complexities of the process—which is true in some ways. With so many options to choose from and steps to follow, it can definitely get overwhelming. Good thing AI and data analytics have helped in making these interfaces user-friendly. In fact, platforms like HealthBird help streamline the long and arduous process of looking through different healthcare insurance plans, allowing you to finish the process in just 8 minutes. Within this time, all you have to do is input your information in the app, check out recommended plans, pick a plan that fits your needs, and submit your application. Yes, it feels like just shopping—but this time, for something your overall health will thank you for.This real-time information and analysis help make faster decisions with less manual labor—say goodbye to paper forms and endless waiting. Through this, you reduce the time needed to underwrite a policy and minimize the possibility of human error.

6. Data Privacy and Security. With cyberattacks happening more frequently, sensitive health information must be kept private and secure more than ever. For this reason, health insurance companies are heavily investing in data privacy and security measures to protect all the information gathered from customers. With policyholders entrusting their personal medical information to health plan providers, insurance companies have already enabled encryption and other security measures to protect data during transmission and storage. Regular security audits are also made to immediately address vulnerabilities.

In a Nutshell: Technology and Data Analytics in Healthcare

Needless to say, a lot has changed with how healthcare services are provided—and it continues to evolve as you are reading this. From AI-integrated devices to streamlining customer services, technology has transformed the overall landscape. These innovations seek not only to make lives better but to also strengthen relationships between patients, healthcare providers, and insurance companies.

• For consumers, all these technological advancements have made healthcare more accessible than ever. Virtual care is now available from home, real-time health information is delivered through wearables, health records can be managed online, and consumers can easily shop for health insurance plans tailored to their individual needs. These advancements emphasize the importance of securing health insurance that is genuinely beneficial and suited for their needs.
• For insurance providers, technology and data analytics have enabled them to establish deeper connections with the people they are providing services to—allowing more accurate predictions of health outcomes and better premium services, which are cost-saving for both policyholders and insurance providers.
• Most importantly, for healthcare providers, technology and data analytics have improved healthcare delivery by providing more accessible, accurate health records. This allows provision to better track patient outcomes, improve care coordination, personalize treatment plans, and reduce errors—all contributing to optimized care and better health management.

Obviously, the data gathered from us has become the backbone of the healthcare industry—and it’s for the good. And as technology continues to evolve, we hope to establish a better relationship with our health and our healthcare providers.

Pregnancy is a remarkable journey filled with anticipation and excitement. Ensuring a healthy pregnancy for both mother and baby is paramount. Prenatal care plays a crucial role in achieving this goal. Let's delve into the importance of prenatal care, key aspects to focus on, and how HealthBird can support you throughout this special time.

Why Prenatal Care Matters

Prenatal care involves regular check-ups with your healthcare provider to monitor your health and the baby's development. These visits are essential for:

• Early detection of potential issues: Regular screenings can identify and address any complications early on.
• Optimal fetal growth: Monitoring the baby's development ensures they're growing and developing as expected.
• Education and guidance: Your healthcare provider offers valuable advice on nutrition, exercise, and other aspects of a healthy pregnancy.
• Building a strong bond: Regular check-ups create a supportive relationship with your healthcare provider.

Essential Elements of Prenatal Care

A comprehensive prenatal care plan includes:

• Regular check-ups: Scheduled visits to monitor your health and baby's development.
• Prenatal tests: Screenings for genetic disorders, infections, and other potential complications.
• Ultrasound: Visualizing the baby's growth and development.
• Nutrition and exercise: Guidance on maintaining a healthy diet and staying active.
• Education and counseling: Information on childbirth, breastfeeding, and newborn care.

Healthy Habits for a Healthy Pregnancy

In addition to regular prenatal care, incorporating healthy habits into your lifestyle can significantly contribute to a positive pregnancy outcome:

• Balanced diet: Focus on nutrient-rich foods like fruits, vegetables, whole grains, and lean protein.
• Regular exercise: Consult your doctor for safe exercise recommendations during pregnancy.
• Adequate rest: Prioritize sleep and relaxation to support both physical and mental well-being.
• Prenatal vitamins: Ensure you're getting essential nutrients for you and your baby.
• Avoid harmful substances: Refrain from smoking, alcohol, and illicit drugs.

HealthBird: Your Partner in Pregnancy

At HealthBird, we understand the importance of prenatal care and are committed to supporting you throughout your pregnancy journey. Our plans offer comprehensive coverage for prenatal visits, tests, and related expenses. Additionally, our network of healthcare providers includes experienced obstetricians and gynecologists who can provide the care you need.

We believe that every woman deserves access to quality prenatal care. That's why we're dedicated to making healthcare affordable and accessible for all.

Ready to embark on your pregnancy journey with confidence? Let HealthBird be your partner in creating a healthy future for you and your baby. Get a free quote today.

Remember, this is just a general guide. It's essential to consult with your healthcare provider for personalized advice and care throughout your pregnancy.

In today's digital world, convenience reigns supreme. With HealthBird's online platform and mobile app, managing your health insurance and accessing healthcare resources is easier than ever. But with this convenience comes the responsibility of protecting your sensitive health data.

Here at HealthBird, we take your privacy and security very seriously. We implement robust security measures to safeguard your information, but there are also steps you can take to ensure your health data remains secure online.

Here are some key tips to keep your health information safe in the United States:

Be Wary of Phishing Attempts

Phishing emails and websites can appear legitimate, trying to trick you into revealing personal information. Never click on suspicious links or attachments in emails claiming to be from HealthBird or any other healthcare provider.

How to Identify a Phishing Email:

• Check the email address: Ensure the email address is from a legitimate HealthBird domain (e.g., @healthbird.com). Be wary of typos or unusual characters in the address.
• Look for suspicious language: Phishing emails often contain poor grammar, spelling errors, or urgent requests for personal information.
• Avoid clicking on links: If you're unsure about the legitimacy of a link, hover over it with your mouse to see the actual URL.

Strong Passwords are Essential

Use a unique and complex password for your HealthBird account, and avoid using the same password for multiple websites or online services. Consider using a password manager to generate and store strong, unique passwords for all your online accounts.

Enable Two-Factor Authentication (2FA)

Many online platforms, including HealthBird, offer two-factor authentication (2FA) as an extra layer of security. This requires a second verification step, like a code sent to your phone, when logging in to your account. Enabling 2FA significantly reduces the risk of unauthorized access to your information.

Keep Your Software Updated

Outdated software on your devices can contain vulnerabilities that hackers can exploit. Regularly update your operating systems, web browsers, and the HealthBird app to ensure you have the latest security patches installed.

Be Mindful of What You Share Online

Social media platforms and other online forums may seem like harmless places to share information, but be cautious about what health-related details you disclose publicly. Avoid sharing specific details about your medical conditions, medications, or upcoming appointments.

Review Your Health Information Regularly

HealthBird provides you with the ability to review your health information online. Take advantage of this feature and regularly check for any discrepancies or inaccuracies. If you notice something wrong, contact our Member Concierge Team immediately.

By following these tips, you can significantly reduce the risk of your health data being compromised.

Take control of your health data! Regularly review your health information within your secure HealthBird account. If you notice anything inaccurate, contact our Member Concierge Team for assistance. They're here to help you keep your information up-to-date and secure.

Ready to enroll in a HealthBird plan? Get a quote now.

As our loved ones age, their needs may change. You might find yourself stepping into a caregiver role for your parents, and navigating this new responsibility can feel overwhelming. HealthBird understands the challenges families face when caring for aging parents, and we're here to offer guidance and support.

Common Challenges Faced by Caregivers:

• Understanding Your Parent's Needs: Assessing your parent's physical, emotional, and social needs is crucial.
• Making Healthcare Decisions: Helping your parents navigate medical appointments, treatment options, and communicating with healthcare providers.
• Managing Daily Living Activities: Assisting with tasks like housekeeping, transportation, meal preparation, and medication management.
• Balancing Caregiving with Personal Life: Ensuring your own well-being while caring for your parents is essential to avoid burnout.

Resources and Support Options Available:

• Government Programs: The US government offers various programs to assist older adults and their caregivers. We can help you explore benefits from different programs.
• Eldercare Locator: This online resource from the US Administration for Community Living helps you find local support services for seniors, such as meal delivery, transportation assistance, and in-home care providers.
• Area Agencies on Aging (AAAs): These local agencies offer a range of services for older adults, including information and referral, case management, and caregiver support groups. You can find your local AAA through the Eldercare Locator website.
• Family and Friends: Don't hesitate to seek help from family members, friends, or neighbors who can offer assistance with errands, transportation, or companionship for your parents.
• HealthBird Member Concierge Team: Our dedicated team is here to help you navigate your HealthBird plan and answer any questions you may have regarding insurance coverage for your parents' healthcare needs.

Quote now: https://app.healthbird.com

Additional Tips for Caregivers:

• Educate Yourself: Learn as much as you can about your parents' specific health conditions and needs.
• Communicate Effectively: Open and honest communication with your parents and other involved family members is vital.
• Plan for the Future: Discuss your parents' wishes and preferences for future care, including long-term care options.
• Prioritize Self-Care: Schedule time for your own physical and emotional well-being to avoid caregiver burnout. Consider stress management techniques, support groups, or respite care.

Remember, you are not alone in this journey! HealthBird is committed to supporting you and your family as you navigate caring for your aging parents. We encourage you to explore the resources mentioned above and contact our Member Concierge Team for any questions or assistance you may need.

Ready to soar with HealthBird?

We're here to help if you have any questions! Just tweet us at hello@healthbird.com or call our flock leaders at (833) 384-2473.

At HealthBird, we're passionate about making healthcare accessible and affordable for everyone. That includes ensuring women have coverage for the vital services they need. We're thrilled to announce that many insurance plans we offer, are now expanding coverage for a wider range of women's health services! 2024 is shaping up to be a landmark year for women's health access and coverage.

Great News: Essential Services Now Covered by More Insurance Plans

Many insurance plans offered through HealthBird now cover a wider range of essential women's health services, including prenatal care and childbirth! This means you can plan and experience pregnancy with the peace of mind of knowing your insurance has you covered. Here are some other examples of services that may now be covered by your plan:

• Annual wellness exams: These comprehensive checkups are crucial for early detection of potential health issues.
• Preventive screenings: This could include mammograms, pap smears, and HPV testing, depending on your age and risk factors.
• Family planning: This encompasses a variety of services, including contraception counseling, prenatal care, and well-woman exams.
• Mental health services: Many women experience mental health challenges at some point in their lives. Having coverage for therapy and other mental health services can make a significant difference.

The Importance of Women's Health Coverage

Women have unique healthcare needs. By expanding coverage for essential services, we're empowering women to take charge of their well-being. This can lead to:

• Earlier detection and treatment of health problems: Early intervention is key to managing chronic conditions and improving overall health outcomes.
• Reduced healthcare costs: Preventive care can help identify and address potential issues before they become more serious and expensive to treat.
• Improved quality of life: When women have access to the care they need, they can live healthier, happier lives.

How HealthBird Can Help You Navigate This Positive Change

At HealthBird, we're here to make finding the right health insurance plan as easy as possible. Our user-friendly platform allows you to compare plans from various providers and see what services are covered. With the exciting developments in women's health coverage this year, using HealthBird can ensure you get the most out of your plan.

Take Action Today!

Don't wait to get the coverage you deserve. Use HealthBird to find a plan that meets your needs and budget. Remember, prioritizing your health is an investment in your future!

For more information on specific women's health services, you can visit the website of the Office on Women's Health.

Let's work together to ensure women have access to the quality healthcare they need!

Retirement planning often involves saving for financial security, but healthcare costs can significantly impact your retirement savings. Understanding your health insurance options and planning ahead can help you safeguard your financial future.

Medicare: Your Guide to Retirement Healthcare

Medicare is a federally funded health insurance program primarily for individuals aged 65 and older. It consists of two main parts:

• Part A: Covers hospital services, skilled nursing facility care, hospice care, and some home health services.
• Part B: Covers doctor's visits, outpatient services, and preventive care.

You may also choose to enroll in:

• Part C (Medicare Advantage): Offers a bundled plan that combines Part A, Part B, and sometimes Part D (prescription drug coverage).
• Part D (Prescription Drug Coverage): Provides coverage for prescription medications.

Navigating Medicare Enrollment:

There are specific enrollment periods for Medicare, so it's important to plan ahead. Consult with us to help you find the best plan for you.

Medigap Plans:

Medigap plans can help fill in the gaps of Original Medicare coverage. These supplemental plans can cover costs like deductibles, copays, and coinsurance.

Employer-Sponsored Retirement Plans:

Many employers offer health insurance options through their retirement plans, such as Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs). These accounts can be used to save pre-tax money for qualified medical expenses.

Planning for Long-Term Care:

As you age, the likelihood of needing long-term care increases. Consider exploring long-term care insurance options to help cover the costs of assisted living or nursing home care.

Health Insurance and Retirement Planning Tips:

• Start early: Begin planning for your retirement healthcare needs well in advance.
• Review your options: Understand the different Medicare plans and coverage options available to you.
• Consider a financial advisor: A financial advisor can help you assess your retirement needs and develop a comprehensive plan.
• Stay informed: Stay updated on changes to Medicare and other healthcare policies.

HealthBird: Your Partner in Retirement Planning

At HealthBird, we understand the importance of planning for your healthcare needs in retirement. Our team of experts can help you navigate the complexities of Medicare, Medigap plans, and other retirement healthcare options.

Ready to start planning for your retirement healthcare? Contact HealthBird today for a free quote. 

Remember: This blog post is for informational purposes only and does not constitute financial or legal advice. It's always best to consult with a financial advisor or insurance specialist for personalized guidance.

Mental health is just as important as physical health. Yet, many people hesitate to seek help for mental health concerns due to a variety of factors, including cost. Fortunately, most health insurance plans in the U.S. are required to cover mental and behavioral health services thanks to the Mental Health Parity and Addiction Equity Act (MHPAEA). This blog post will explore how health insurance can support your mental wellbeing and guide you on utilizing your plan's benefits.

Understanding mental health coverage:

The MHPAEA mandates that group health plans with more than 50 employees provide mental health benefits that are comparable to their medical/surgical benefits. This means similar deductibles, copays, and coinsurance should apply to both mental and physical healthcare services. It's important to note that not all plans are created equal. Coverage details can vary, so familiarizing yourself with your specific plan is crucial.

What services are typically covered?

Many health insurance plans cover a variety of mental health services, including:

• Therapy (individual and group): Talking to a qualified therapist can help you manage stress, anxiety, depression, and other mental health challenges.
• Outpatient mental health services: This may include medication management, counseling, and support groups.
• Inpatient mental health services: In some cases, hospitalization may be necessary for intensive treatment.

Finding an in-network provider:

Getting the most out of your mental health benefits often involves utilizing in-network providers. In-network providers have contracted rates with your insurance company, leading to lower out-of-pocket costs for you. Most insurance companies offer online directories where you can search for in-network therapists, psychiatrists, and other mental health professionals in your area. For HealthBird members, finding in-network providers is a breeze! Our user-friendly app features a built-in search tool that allows you to filter for mental health professionals based on your location, insurance plan, and even specialty (therapist, psychiatrist, etc.).

Beyond therapy: Additional resources

Many health insurance plans offer additional resources to support your mental wellbeing, such as:

• 24/7 mental health hotlines: These hotlines provide confidential support and information for individuals experiencing a mental health crisis.
• Online mental health resources: Some plans offer access to online tools, apps, and educational materials on various mental health topics.

Taking the first step:

If you're considering seeking help for a mental health concern, but the cost is a barrier, remember – your health insurance plan is there to support you. Here are some initial steps you can take:

• Review your health insurance plan documents. This will provide details on your mental health coverage, including covered services, deductibles, and copays.
• Contact your insurance company's customer service department. They can answer any specific questions you may have about your coverage for mental health services.
• Utilize your insurance company's online directory. Find in-network mental health providers accepting new patients.

Remember, prioritizing your mental health is an investment in your overall well-being. With the support of your health insurance plan and qualified professionals, you can take steps towards a healthier and happier you.

Ready to see if a HealthBird plan is right for you?

Getting the right mental health coverage can make a big difference. HealthBird offers a variety of plans designed to meet your individual needs and budget. Get a free quote today and see how HealthBird can help you take charge of your mental and physical well-being!

The rise of technology has revolutionized the way we access healthcare. Telehealth, or virtual care, has become increasingly popular, offering convenience and accessibility. However, traditional in-person visits still hold their place in the healthcare landscape. Let's explore the pros and cons of both options to help you make informed choices.

Telehealth: Care at Your Fingertips

Benefits:

• Convenience: See a doctor from the comfort of your home or office.
• Time-saving: Eliminate travel time and waiting room waits.
• Accessibility: Ideal for those in rural areas or with limited mobility.
• Faster appointments: Often shorter wait times for appointments.

Drawbacks:

• Limited physical exams: Some conditions require in-person evaluation.
• Technology reliance: Requires a stable internet connection and compatible devices.
• Potential for less personal interaction: May lack the depth of an in-person visit.

In-Person Visits: The Traditional Approach

Benefits:

• Comprehensive exams: Allows for thorough physical examinations and tests.
• Personal connection: Builds a stronger doctor-patient relationship.
• Complex care: Best suited for managing chronic conditions or serious illnesses.
• Immediate treatment: Enables immediate procedures or interventions.

Drawbacks:

• Time-consuming: Requires travel time, waiting room time, and appointment scheduling.
• Potential for exposure to illness: Increased risk of contracting infectious diseases.
• Limited availability: Appointment scheduling can be challenging, especially for specialists.

Choosing the Right Option

Ultimately, the best choice between telehealth and in-person visits depends on your individual needs and preferences. Consider these factors:

• Nature of your visit: Routine check-ups or follow-ups might be suitable for telehealth, while new or complex conditions may require an in-person visit.
• Your comfort level: If you prefer face-to-face interactions, in-person visits might be the best option. However, if convenience is a priority, telehealth could be ideal.
• Provider availability: Check if your healthcare provider offers both telehealth and in-person appointments.

Remember: Telehealth and in-person visits are not mutually exclusive. Many healthcare providers offer a hybrid approach, allowing you to combine the benefits of both.

Ready to experience the convenience of HealthBird? Get a free quote today and discover how our plans can fit your healthcare needs.

Ever feel overwhelmed by the world of health insurance? You're not alone. Health Savings Accounts (HSAs) can be a particularly confusing piece of the puzzle. This blog post will break down HSAs in simple terms and explore strategies to optimize their use for your financial well-being.

What is an HSA?

An HSA is a triple tax-advantaged savings account designed specifically to cover qualified medical expenses. Here's the breakdown of the tax benefits:

• Contributions: You contribute pre-tax dollars to your HSA, reducing your taxable income for the year.
• Growth: Earnings on the money in your HSA grow tax-free.
• Withdrawals: When you use your HSA funds for qualified medical expenses, the withdrawals are tax-free.

Who is eligible for an HSA?

To be eligible for an HSA, you must be enrolled in a High-Deductible Health Plan (HDHP). HDHPs typically have lower monthly premiums but come with higher deductibles (the amount you pay out-of-pocket before your insurance kicks in).

Benefits of HSAs:

• Triple tax advantage: As mentioned above, HSAs offer significant tax benefits for contributions, growth, and qualified medical expense withdrawals.
• Savings potential: HSAs can be a powerful tool for saving money on healthcare costs. By strategically using your HSA alongside your HDHP, you can potentially save money on premiums and accumulate funds for future medical needs.
• Portability: HSAs are portable, meaning the funds belong to you, not your employer. You can keep your HSA even if you change jobs or insurance plans (as long as you remain enrolled in an HDHP).

Optimizing your HSA:

Here are a few tips to get the most out of your HSA:

• Contribute the maximum: If possible, contribute the maximum allowable amount to your HSA each year. This will maximize your tax savings and build a larger pool of funds for future medical expenses.
• Plan for the future: HSAs are not just for unexpected medical bills. Consider using your HSA to save for predictable future expenses like annual checkups, prescriptions, or vision care.
• Invest your funds (if offered by your provider): Some HSAs allow you to invest your contributions. This can be a smart way to grow your HSA funds over time, especially if you don't anticipate needing them for immediate medical expenses.

Things to remember:

• Qualified medical expenses: There's a specific list of what qualifies as a medical expense for HSA withdrawals. Make sure your purchases are on the IRS-approved list before using HSA funds. You can find this list in IRS Publication 964.
• Investment risk: While investing your HSA funds can be beneficial, it also carries risk. Consider your risk tolerance and investment timeline before making any investment decisions.

HSAs: A smart savings tool for healthcare

HSAs, paired with a High-Deductible Health Plan, can be a powerful tool for managing healthcare costs and saving for the future. By understanding the benefits and utilizing optimization strategies, you can make HSAs work for your financial well-being.

Additional resources:

• IRS Publication 964

Is an HSA right for you?

HSAs aren't a one-size-fits-all solution. Consider your individual health needs, financial situation, and risk tolerance before deciding if an HSA is the right choice for you. Talk to your doctor or a financial advisor for personalized guidance.

Ready to take control of your health and well-being?

While HSAs can be a great tool for managing medical expenses, don't forget about preventive care! A healthy smile and clear vision are essential for your overall well-being. Explore our dental and vision coverage options alongside your HSA to create a comprehensive healthcare plan that fits your needs.

Health insurance can feel like a complex puzzle. Between unfamiliar terms, plan options, and ever-changing regulations, it's easy to fall victim to myths and misconceptions. But fear not, fellow HealthBird member! We're here to shed light on some common health insurance myths and set the record straight.

Myth #1: Young and healthy people don't need health insurance.

This is a big misconception. Accidents and illnesses can strike anyone, regardless of age or health status. Even a seemingly minor injury can lead to significant medical bills. Having health insurance provides peace of mind knowing you'll have financial protection in case of the unexpected.

Myth #2: The cheapest plan is always the best.

While affordability is important, focusing solely on price can backfire. Cheaper plans often have higher deductibles, copays, and coinsurance, meaning you'll pay more out of pocket before your insurance kicks in. Consider your overall health needs and risk tolerance when choosing a plan.

Myth #3: Preventive care isn't covered by insurance.

Fortunately, most health insurance plans cover preventive care services, like annual checkups, vaccinations, and screenings. These services can help identify potential health problems early on, often leading to better outcomes and lower overall healthcare costs.

Myth #4: You can't change your health insurance plan once you enroll.

This isn't entirely true. There are specific enrollment periods throughout the year where you can make changes to your plan. Additionally, qualifying life events like getting married, having a baby, or losing job-based coverage may trigger a special enrollment period allowing you to switch plans outside the standard window.

Myth #5: Health insurance companies try to avoid paying claims.

While navigating claims can sometimes feel frustrating, reputable health insurance companies have a legal obligation to process claims fairly and efficiently. Familiarize yourself with your plan's coverage details and keep clear documentation to ensure a smoother claims process.

Myth #6: Understanding health insurance requires a degree.

Not anymore! Resources like HealthBird's app and website offer clear explanations of complex terms and answer commonly asked questions. Additionally, our Member Concierge team is always here to guide you through the intricacies of your health insurance plan.

Myth #7: Only low-income individuals qualify for health insurance subsidies.

This myth can prevent many people from exploring potential cost-saving options. The truth is, health insurance subsidies are available to a wider range of income brackets than you might think. HealthBird's blog post, 'What is a Health Insurance Subsidy? A Guide to Understand the 6-400 Subsidy,' dives deeper into eligibility requirements and how these subsidies can significantly lower your monthly premiums.

Empowered by knowledge

By debunking these common myths, you can navigate the world of health insurance with more confidence. Remember, HealthBird is here to be your partner in health. We strive to make health insurance simple, transparent, and accessible so you can focus on what matters most – your well-being!

Ever stare at a stack of medical bills, bewildered by the process of filing a claim? You're not alone! Navigating the world of health insurance claims can feel like deciphering a secret code. But fear not, fellow healthcare consumer – this guide is here to help!

Here's the key: understanding the process can make all the difference. Let's break it down into simple steps:

Step 1: Gather your flock (Essential documents)

Before embarking on your claim adventure, collect your essential documents:

• The itemized bill from your healthcare provider. This detailed breakdown should list the services received, their corresponding costs, and any relevant medical codes (often alphanumeric strings that identify specific procedures). If you're unsure what something means, don't hesitate to ask your provider for clarification.
• Your health insurance member ID card. This card contains your unique identification number, vital for verifying your coverage details with your insurance company.

Step 2: Take flight! Submitting your claim

Now that you have your documents in tow, it's time to submit your claim. There are typically two options:

• Online: Many insurance companies offer online claim submission portals. Check your insurer's website for instructions and access to the portal. Online submission is often the quickest and most convenient method.
• By Mail: If online submission isn't available, or you prefer a paper trail, you can submit your claim by mail. Contact your insurance company for the correct mailing address and any specific forms you may need.

Step 3: Relax and recharge (The claim processing journey)

Once you've submitted your claim, it's time to take a deep breath and let the insurance company handle the rest. They'll review your claim details, verify your coverage, and determine how much they'll reimburse you based on your plan.

Transparency on the journey (but be patient)

The claim processing timeframe can vary depending on your insurance company and the complexity of your claim. It's wise to check your insurer's website for an estimated processing timeframe.

Many insurance companies offer online claim tracking tools. This allows you to monitor the status of your claim and see where it is in the process.

Still have questions? No problem!

Don't hesitate to reach out to your insurance company's customer service department if you have any questions or concerns about your claim. They can provide clarification on specific details and help you navigate any issues that may arise.

Ready to learn more?

• Explore our Insurance Guide: Dive deeper with informative articles and FAQs on various health insurance topics. https://www.healthbird.com/insurance-guide/topics
• Visit our Blog: Discover the many ways HealthBird can support your health and well-being. https://www.healthbird.com/blog

Understanding Qualified Life Event (QLE) can be helpful when you're expecting! A QLE helps you enroll in a timeframe outside the regular open enrollment window when you can qualify for a new health insurance plan due to a qualifying life event. Having a baby is a qualifying event in all states.

It's important to note that while pregnancy itself isn't a QLE under the Affordable Care Act (ACA), the birth of your child will be. This is because a new baby affects your household size, and this affects the way your subsidy is calculated.

What to do with our health insurance:

• Review Your Coverage: Take some time to review your plan details, particularly coverage for prenatal care and delivery. Our dedicated Member Concierge team is here to help you review your plan and answer any specific questions you have.
• Explore Additional Benefits: Consider benefits that might be valuable for new families, such as vision and dental coverage for both you and your baby. If you're interested in plans with these benefits, our team can help you explore and compare options.
• Adding Your Baby: Once your baby arrives, it's time to add them to your existing plan. Adding dependents is a breeze with our user-friendly app! Just a few clicks and you're done.

Thinking about starting a family? Here's how HealthBird can help you prepare:

• Plan ahead: If you're considering starting a family and don't currently have health insurance, explore your options during the next open enrollment period. Consider plans that offer comprehensive maternity coverage. After all, nine months can fly by faster than you think, especially when you're nauseated and exhausted (but happy!).
• Know your options: Regardless of your provider, research their specific policies regarding pregnancy, special enrollment periods, and adding dependents. Don't let insurance mumbo jumbo give you a headache!
• Seamless Transitions: With HealthBird, navigating pregnancy and parenthood is worry-free. Our plans are designed to support you every step of the way. ‍
• Expert Guidance: Our Member Concierge team is here to answer all your questions about pregnancy coverage, special enrollment options, and adding your baby to your plan. No insurance mumbo jumbo, just clear and helpful information!

Remember, HealthBird is here for you!

Our commitment to your well-being remains a priority. We're here to guide you through every step of your parenthood journey, from preconception to navigating your health insurance plan. Contact our team today – we're happy to answer any questions you may have!

Ever wonder what that "deductible" on your health insurance plan means? Don't worry, it's not a secret handshake! It's actually a key part of how your health insurance works. Here's a breakdown to help you understand it better.

Think of it like a starting point. Your deductible is the amount you pay for covered medical services before your insurance kicks in and starts sharing the costs. It's like a down payment on your healthcare for the year.

Here's a quick rundown:

• Types of deductibles: There are two main types: individual (just you) and family (applies to everyone on your plan).
• Reaching your deductible: Once you've paid the designated amount for covered services in a year, your insurance typically starts picking up a portion of the remaining costs (coinsurance) up to a certain limit (out-of-pocket maximum).

Deductible & premiums: Generally, plans with higher deductibles have lower monthly premiums. It's a trade-off: you pay more upfront for a lower monthly cost.

Making the deductible work for you:

• Choose a plan with a deductible that fits your budget and health. If you're generally healthy, a higher deductible plan could save you money on monthly premiums.
• Plan for the unexpected. Consider setting aside money in a Health Savings Account (HSA) to help cover your deductible, but be aware that HSAs only work with high-deductible health plans (HDHPs). HDHPs aren't offered in all Affordable Care Act (ACA) plans, and typically come with the highest deductibles. So, weigh the potential for HSA savings against the higher upfront costs of an HDHP before deciding if this is a good option for you.

Know your plan details. Review your plan documents to understand your specific deductible, coinsurance, and out-of-pocket maximum amounts.

Remember: The deductible is there to help you share the responsibility of healthcare costs. By understanding it and choosing the right plan, you can make the most of your health insurance and feel more secure about your well-being.

Want to learn more?

HealthBird is here to help! Visit our blog for valuable resources and tools to navigate health insurance with confidence. Feeling unsure? Get a free quote to see your plan options and estimated costs!

Freelancing offers incredible flexibility and independence. You choose your projects, set your schedule, and be your own boss. But with that freedom comes some responsibility, especially when it comes to healthcare. Here's why health insurance is crucial for freelancers, and how to navigate the process with ease.

1. You're not a superhero: Accidents and illnesses happen, and they can be expensive. Without health insurance, a minor setback could turn into a major financial burden. Insurance helps cover unexpected medical bills, keeping your finances secure and your peace of mind intact.

2. Stay healthy, stay productive: Regular checkups and preventive care are key to maintaining good health and avoiding costly problems down the road. With health insurance, you're more likely to prioritize preventive care, allowing you to stay healthy and productive for your freelance business.

3. No safety net, no problem (with insurance): Unlike traditional jobs with employer-sponsored plans, freelancers don't have paid sick leave or disability benefits. If you get sick or injured and can't work, income can quickly dry up. Health insurance helps cover medical expenses while you recover, preventing financial hardship.

4. Affordable options exist: The cost of health insurance shouldn't be a barrier. Depending on your income, you may qualify for government subsidies that significantly lower your monthly premiums. Additionally, as a self-employed individual, your premiums are often tax-deductible, reducing your overall cost.

5. Finding the right plan is easy: Gone are the days of navigating complex insurance marketplaces. HealthBird takes the guesswork out of finding the perfect plan. Visit our website, answer a few questions, and get matched with plans that fit your needs and budget. It's that simple!

Ready to take control of your health and finances?

Health insurance doesn't have to be a hassle for freelancers. With the right coverage and a little planning, you can focus on what you do best – freelancing! Take advantage of the resources available and prioritize your well-being. Get a quote with HealthBird today and take charge of your health insurance journey!

It's easy to feel lost when it comes to choosing health insurance with all the unfamiliar terms and options. But fret no more today, we'll be cracking the code on two common health insurance plans: HMOs and PPOs. By the end of this blog post, you'll be equipped to translate the message and find the perfect plan for your healthcare needs and budget with HealthBird as your guide.

HMO

An HMO, or Health Maintenance Organization, emphasizes a coordinated approach to healthcare. Here's the breakdown:

• Teamwork Makes the Dream Work: You typically have a designated primary care physician (PCP) as your first point of contact. This PCP works closely with you and provides referrals to specialists within the HMO network.
• Network Focus: HMOs offer coverage for services received within their contracted network of providers. Out-of-network care is usually not covered, except for emergencies.
• Budget-Friendly: HMO plans often have lower monthly premiums and copays compared to PPO plans. This is because they negotiate discounted rates with in-network providers.

Who should consider an HMO?

• Individuals who value a collaborative approach to healthcare and prefer to see a familiar PCP.
• Those on a budget seeking lower monthly premiums and predictable healthcare costs.
• People who are generally healthy and anticipate using in-network providers.

PPO

A PPO, or Preferred Provider Organization, offers more flexibility in choosing healthcare providers. Here's what to know:

• Network Navigation: You can visit any provider, in-network or out-of-network. However, in-network care typically comes with lower costs due to contracted rates.
• Self-Referral: You don't necessarily need a referral from a PCP to see a specialist.
• Higher Investment: PPO plans typically have higher monthly premiums and copays compared to HMO plans. Out-of-network care often comes with higher deductibles and coinsurance.

Who should consider a PPO?

• Individuals who value flexibility in choosing healthcare providers, including specialists.
• Those who may need to see out-of-network providers due to specific health needs or location limitations.
• People who are comfortable with potentially higher costs in exchange for greater choice.

The Final Showdown: It's All About You!

There's no one-size-fits-all answer when it comes to HMO vs. PPO. Consider your individual healthcare needs, budget, and preferred approach to care. Here are some additional questions to ponder:

• Do you anticipate needing to see out-of-network providers?
• How important is it for you to have a designated PCP who coordinates your care?
• Are you comfortable with potentially higher costs for more flexibility?

By understanding the pros and cons of HMOs and PPOs, you can make an informed decision and find the perfect fit. At HealthBird we offer a variety of plan options to fit your needs, and our free app helps you make the most out of your insurance by understanding your coverage and helping you manage your healthcare journey every step of the way. We're happy to provide you with a personalized quote to help you estimate your potential healthcare costs. This quote won't obligate you to enroll in any plan, but it can be a helpful tool as you navigate your options. Get started and let HealthBird be your guide to a healthier tomorrow!

Ah, the golden age of young adulthood: ramen noodles, independence... and maybe still being on your parents' health insurance? While it sounds like a sweet deal, there's a limit to how long this coverage can last. Let's break down the key factors that determine how long you can stay on your parents' health insurance plan.

The ACA (Affordable Care Act) to the Rescue!

Before the ACA (Affordable Care Act), also known as Obamacare, young adults typically aged off their parents' plans at 19 or 23. Thankfully, the ACA extended this coverage for eligible dependents up to age 26.

So, Can I Stay Until I'm 26? (Mostly)

In most cases, yes! As long as you remain a dependent on your parent's tax return and the plan allows coverage for dependents up to age 26, you can stay on their health insurance plan until your 26th birthday.

Exceptions to the Rule

There are a few situations where the 26-year-old age limit might not apply:

• Marriage: Getting married can sometimes affect your eligibility to stay on your parents' plan. It depends on the specific plan and your spouse's health insurance options.
• Having Children: The arrival of a little one might also impact your coverage. Depending on the plan, you might be eligible to stay on your parents' plan or enroll your child in their plan.
• Losing Dependent Status: If you become financially independent and are no longer considered a dependent on your parents' tax return, you'll likely lose coverage under their plan.

Important Considerations

• Plan Details: Always check the specific terms of your parents' health insurance plan to confirm coverage for dependents and the age limit.
• Life Changes: Keep your parents informed about any major life changes that might affect your eligibility, such as marriage or changes in employment.
• Alternatives: If you're approaching the age limit or your situation changes, explore alternative health insurance options, such as employer-sponsored plans or plans through the ACA marketplace.

The Takeaway

The ACA has made it possible for many young adults to stay on their parents' health insurance plans until age 26. However, it's important to understand the specific details of your parents' plan and be aware of potential exceptions. Remember, planning ahead can ensure a smooth transition when the time comes to get your own health insurance plan.

HealthBird can help! Explore your health insurance options and find a plan that fits your needs and budget.

Struggling to afford healthcare? Medicaid can help. This government-funded program provides health insurance coverage for low-income individuals and families. Let's explore what Medicaid is, who qualifies, and what other options exist if you don't fit the criteria.

Understanding Medicaid

This program is designed to give health insurance coverage to low-income individuals and families. By offering access to vital medical services, it promotes overall health and financial security.

Who Qualifies for Medicaid? Numbers and Beyond

Eligibility for Medicaid depends on your household size and income. In most states, you might qualify if your household income falls at or below 138% of the Federal Poverty Level (FPL). The FPL is used to determine eligibility for several government assistance programs and varies based on family size. It's important to check the specific guidelines for your state.

While income is a key factor, Medicaid eligibility can also extend to specific groups, such as:

• Pregnant women and children
• Seniors needing nursing home care
• Individuals with disabilities

A Wide Range of Services to Keep You Healthy

Medicaid offers a comprehensive range of medical services, here's what's typically covered:

• Doctor visits: Regular checkups and consultations with general practitioners
• Specialist Care: Access to specialists covering various medical fields when needed
• Prescription medications: Essential drugs to manage chronic conditions or treat illnesses
• Hospital stays: Coverage for inpatient care during hospitalization
• Preventive care: Services like immunizations, screenings, and lab tests to maintain good health

Additional Coverage Options by State

Some states choose to extend Medicaid coverage beyond the federal guidelines. This might include:

• Dental care: Cleanings, fillings, and other procedures for better oral health
• Vision care: Eye exams, glasses, and other vision-related services

What if I Don't Qualify for Medicaid?

Even if you don't qualify for Medicaid, there are still options for obtaining health insurance:

• The Affordable Care Act (ACA): The ACA Health Insurance Marketplace offers subsidized health insurance plans based on your income. HealthBird.com can help you navigate the ACA Marketplace and find the best plan for your needs. We make the process easy and informative.
• Employer-sponsored insurance: If you work for a company with 50 or more employees, check to see if they offer health insurance. You may be able to join their plan.

Don't have vision, dental, or hearing coverage? Explore supplemental health insurance plans to fill the gaps in your coverage.

Having health insurance is key, no matter which program you qualify for. It protects your finances from unexpected medical bills and helps you avoid costly emergencies by promoting preventive care. Whether it's Medicaid or finding an affordable ACA plan, on HealthBird we are your partner in achieving healthcare security.

Need Help?

Our Member Concierge is always happy to answer your questions and guide you through the process of obtaining health insurance. You can reach us at (833) 384-2473 or message us through the chat.

Ever wonder why some doctors seem like a breeze to see with your health insurance, while others involve a mountain of paperwork? It all boils down to in-network and out-of-network providers. Don't worry, this isn't rocket science! Let's break it down in a way that saves you money and keeps you healthy.

Your health insurance: Your superhero squad

Think of your health insurance plan as your own personal superhero squad, assembled to protect your well-being, finances, and to make sure you receive the care you need. In-network providers are like the core team – always there to help with routine checkups, urgent care, and even some specialist visits. They've agreed to special rates with your health insurance company, so you pay less out of pocket. This typically translates to smaller co-pays for checkups and coinsurance for procedures, reducing the financial burden of staying healthy. Plus, billing is usually a breeze since your insurance handles it directly. 

Out-of-network mavericks: Great, but potentially pricey

Out-of-network providers are fantastic doctors too, but they don't have a negotiated rate with your insurance company. They might charge their full rate, which can be significantly higher than in-network options. While your insurance might still contribute some, you'll likely be responsible for a larger portion of the bill. Additionally, you might have to handle some of the billing yourself. Remember that health insurance is there to help manage these costs, but it's not a magic solution, especially when venturing outside the network.

The choice is yours: prioritizing prevention

The good news is you have a choice! Sticking with in-network providers is generally the most cost-effective way to go. But sometimes, a specific out-of-network specialist might be the best fit for a complex condition. Here are some tips to make the best decision:

• Know your team: Most insurance companies have online directories listing in-network providers. At HealthBird, you have a list of in-network providers right on our app for your convenience. Use the app to find awesome doctors and facilities near you! You can even filter by specialty, language, and location.
• Double-check before you leap: If you're unsure if a provider is in-network and you're a HealthBird member, call us to confirm. If not, you can call your insurance company to verify. Don't wait until after your appointment to realize you'll be responsible for a hefty bill.
• Weigh the costs: If you absolutely must see an out-of-network provider, try to get a cost estimate upfront. This way, you can understand the potential financial impact before your visit. Knowledge is power, especially when it is about your health and wallet! Negotiate if possible – some providers are willing to work with you on pricing.
• Prevention is key: Remember, the best healthcare is often preventative. Regular checkups with in-network providers can help identify potential issues early, leading to more manageable and potentially less expensive treatment down the road. For HealthBird members, preventive care services like annual checkups, screenings, and vaccinations are usually free. Utilize your insurance for preventive care services like annual checkups, screenings, and vaccinations. By taking a proactive approach to your health, you can maximize the benefits of your insurance and minimize the need for potentially expensive out-of-network care.

By understanding in-network and out-of-Network providers, you can navigate the healthcare maze with confidence. You'll be able to find the right care for your needs, without breaking the bank! Remember, your health insurance is a powerful tool, but navigating its intricacies, like in-network and out-of-network coverage, can feel overwhelming. That's where HealthBird comes in! We exist to simplify the process and to help you make the most of your health insurance plan.

Need Help?

Our member concierge is always happy to answer your questions and guide you through the process of obtaining health insurance. You can reach us at (833) 384-2473 or message us through the chat.

Tax season is upon us, and if you've recently purchased health insurance through the HealthBird platform, you can request it from us. 

Understanding this form is crucial for accurately filing your taxes and potentially receiving any premium tax credits you're eligible for. So, let's dive into what Form 1095-A is all about.

What is Form 1095-A?

Form 1095-A, also known as the Health Insurance Marketplace Statement, is a tax form sent to individuals who enrolled in a health insurance plan through the Health Insurance Marketplace (often referred to as Obamacare or the ACA exchange). It provides important information about your health insurance coverage, including details about the plan you selected, the premiums paid, and any premium tax credits received.

Why is Form 1095-A Important?

This form is essential for accurately reporting your health insurance coverage and any financial assistance you received through the Marketplace. It helps determine if you qualify for the premium tax credit, which can lower your monthly premiums and potentially increase your tax refund or decrease the amount you owe.

What Information Does Form 1095-A Contain?

Form 1095-A includes the following key information:

• Recipient Information: This section contains your name, address, and Social Security number.
• Coverage Information: Details about your health insurance coverage, including the name of your insurance company, the policy number, and the dates of coverage.
• Premium Information: This section lists the total monthly premiums for your insurance plan, the amount you paid, and any premium tax credits you received.
• Reconciliation Information: Information needed to reconcile any advance premium tax credits you received with the actual premium tax credit you're eligible for based on your income.

How to Use Form 1095-A for Tax Filing

When you requested and receive Form 1095-A, it's crucial to review it carefully and use the information provided to complete your tax return accurately. 

Here's what you need to do:

• Verify Information: Double-check that all the information on Form 1095-A is correct, including your personal details and coverage information.
• Use Form 1095-A to Fill Out Form 8962: If you received premium tax credits, you'll need to use the information from Form 1095-A to complete Form 8962 (Premium Tax Credit). This form will help you reconcile any advance premium tax credits received with the actual amount you're eligible for based on your income.
• File Your Taxes: Include Form 8962 with your tax return when you file your taxes. This will ensure that you receive the correct amount of premium tax credit and avoid any potential penalties for not reconciling your advance credits.

What if I Don't Receive Form 1095-A?

If you purchased your insurance through HealthBird, simply give us a call or email hello@healthbird.com requesting the form.

If you enrolled with other agents, you can still file your taxes using other documentation, such as your monthly premium statements or account information from your Marketplace account. 

However, it's essential to reach out to the Marketplace or your insurance provider to obtain the necessary information to accurately report your coverage.

• Request Your Form 1095-A: You can request your Form 1095-A from your HealthBird portal or by contacting us directly. This will ensure that you have all the information you need to complete your tax return accurately.

In other words

Form 1095-A plays a vital role in tax filing for individuals who purchased health insurance through the Marketplace or HealthBird. By understanding this form and how to use it, you can ensure that you receive any premium tax credits you're entitled to and avoid potential tax filing errors. If you have any questions or need assistance with Form 1095-A, don't hesitate to seek help from a tax professional or our Member Concierge.

Remember, staying informed and organized during tax season can lead to a smoother filing process and potentially maximize your tax refund or minimize any tax liabilities.

Managing your medications isn’t too hard when you only have one or two. If you’re taking several, however, it gets tougher to keep them all straight off the top of your head. This is particularly true as we get older. More than 20% of adults in the U.S. over the age of 40 take at least five prescription drugs. Since mixing up doses or forgetting to take a prescription medication can result in dangerous drug interactions, or worse, staying organized is crucial. HealthBird members can easily add their prescriptions to the app to keep track of them, all in one place. Before you do, these are a few strategies to help you be proactive and stay healthy, no matter if you’re on two medications or 10. 

Make sure you understand your medication routine

Doctors and pharmacists spend years learning about how medications work. Unless you went to medical school (and if you did, props!), it’s totally understandable to get overwhelmed by long, complicated-sounding medical terminology. If you’re unsure about any element of your medication routine, from the exact dose to the timing, double-check with your doctor. Your pharmacist is also a great resource if you need a quick refresher course on how or when you should take your medication. 

Make sure every clinician you go to has a record of all your medications

If you see any specialists in addition to your primary care provider, share all of the medications you’re taking. That way, they can prescribe medications that are safe to take with your existing prescriptions. In the past, that meant either remembering them off the top of your head, bringing them with you, carrying around a list, or requesting records from your other doctors.

Managing your medications with the digital cabinet is so easy, your dog could do it

Assuming your dog doesn’t have thumbs, you’ll have to add your medication to the HealthBird app yourself. 

Lucky for you, it’s not hard. Just download the app, click on the digital cabinet button, and select your medications. – And don’t forget to use the HealthBird Rx Card to save money when you do! If you take other supplements and vitamins, you can add those too! 

To make it extra easy, 

Still have questions? Reach out to our Member Concierge at hello@healthbird.com or call (833) 384-2473.

Signing up for health insurance used to be frustrating, complicated, and confusing. There are so many factors to consider when shopping for a health plan. 

What health insurance carrier should I go with? 

Is my current doctor covered under my new plan? 

Which tier should I select? 

How much is the monthly premium? 

What about deductibles and copays? 

That’s enough information to make anyone’s head spin! Luckily, the HealthBird app makes it so much easier. Just answer a few simple questions, and our AI will curate a collection of the most suitable plans for you. Let’s break it down.

First, answer a few questions about yourself.

Don’t worry, it’s not complicated. To start, just input your: 

• Five-digit zip code
• Date of birth
• Gender assigned at birth
• Your spouse and/or dependents, if you have any. You can also specify whether or not they need coverage.

From there, input how many people live in your home and your annual household income to see how much you can save. Depending on your income, you may be eligible for a cost-sharing reduction to lower the cost of your monthly premium. Some applicants are even able to get their health insurance plan for as low as $0 a month– No joke! As long as they meet individual qualifications.

Then, estimate how much you expect to use your healthcare benefits. We only ask because plans with lower copays will help reduce the cost of frequent medical appointments. Your response won’t change the coverage you’re eligible for or raise the price. Next, add any healthcare providers you’d like to visit. We’ll curate a list of plans that your doctor of choice accepts. If you have any medications, add them during this step, and we’ll show you which plans cover them.

Next, review your health plan options

After all questions are complete, HealthBird will whip up a list of plans based on your answers. Each plan summary includes:

• The name of the carrier and plan
• Your monthly premium
• Your deductible and drug deductible
• Applicable copay, primary doctor visits, specialist visits, and generic drugs
• Your out-of-pocket max

Click on each plan to get more detailed coverage information. Maternity care, imaging, emergency care, you name it! You’ll also be able to review links to the provider’s website.

Like what you see? Hit enroll, and you’re almost finished

Congrats! It’s a match. Add your email address and agree to the terms and conditions. Make sure that all information within your application is honest and accurate. You will have to share your personal information, including your full name, Social Security Number, address, and provide proof of your identity using your driver’s license or passport, along with a few other details.

After you’ve input your information, you’ll get a summary of your plan benefits and costs. If everything looks good, submit your application, and you’re good to go! Benefits typically kick in on the first day of the month following plan selection, so if you sign up on January 15th, you can start using your benefits starting on February 1st. If you enroll on January 16th, then the plan will begin on March 1st.

Still have questions? Reach out to our Member Concierge at hello@healthbird.com or call (833) 384-2473.

During the health insurance enrollment process, one of the first questions to answer is “How many people are in your household?” When it comes to the Health Insurance Marketplace, however, this number may differ from the total number of people living in your home. So who’s included and who’s not?

Your household includes yourself, your spouse, and any tax dependents

Three easy rules exist to determine your health insurance household size.

1. Include yourself if you’re the primary tax filer
2. Include your spouse if you’re legally married
3. Include any children you will claim as a tax dependent, including adopted and foster children

You should still include your spouse and tax dependents in your household size even if they don’t need insurance coverage. If you have shared custody of children, only include them during the years you will be claiming them as tax dependents.

You may also include:

• Children under the age of 21 who live with you
• Adult children under the age of 26 if you’d like to cover them under your health insurance plan
• Dependent parents, siblings, or other relatives who you’ll claim on your taxes
• Your unmarried domestic partner if you’ll claim them as a tax dependent and/or if you have a child together

Don’t include:

• Unborn children. You can add your baby to your insurance plan after they’re born. You’ll have up to 60 days to do so after their date of delivery.
• Non-dependent children or relatives who live with you
• A legally separated or divorced spouse
• Your spouse if you’re a victim of domestic violence or spousal abandonment
• Roommates

A few more tips for determining your household size

If you’re not claimed as a tax dependent by someone else and have no dependents, only count yourself. If you’re claimed as a dependent on someone else’s tax return, you can sign up for a health insurance plan yourself, but you’ll have to pay full price.

If you’re married, you must file a joint federal tax return to be eligible for a premium tax credit and other savings. You can still enroll in a health insurance plan together if you file separately, but you won’t be eligible for discounts. You may also need to complete individual applications for each of you.

If you have a spouse or dependents, you need to include their incomes within the household income section, even if they don’t need insurance. This is because Marketplace savings are calculated based on the income of all members of your household, not just those who need coverage.

That’s all there is to it!

Need more help? Just chat with a member of our concierge team for on-demand answers.

HealthBird Member Concierge

hello@healthbird.com

(833) 384-2473

In a perfect world, every person in the United States would have affordable health insurance coverage. We’re not there yet, but we’re closer than you might think. In 2023, about twice as many lawfully present immigrant adults were uninsured in comparison to citizens. However, contrary to popular belief, you do not have to be a citizen to benefit from the Affordable Care Act (ACA). Many residents have health insurance options today that were unavailable in the past. Let’s break down how to access your best healthcare options regardless of your immigration status.

If you’re lawfully present in the US, you’re eligible for Obamacare

About one million people each year are granted lawful permanent residence in the US. If you’re one of them, you can apply for any available health insurance plans during open enrollment, just like citizens. This includes health employer-sponsored insurance plans and plans purchased through an insurance marketplace like HealthBird.

A lawfully present immigrant includes anyone who has:

• Qualified noncitizen status
• A valid nonimmigrant visa
• Legal status defined by certain laws like the Family Unity Program or LIFE Act
• Humanitarian status, like asylum applicants or those with Temporary Protected Status‍

As long as you meet one or more of these qualifications, currently live in the US, are not incarcerated, and are not covered by Medicare, you can sign up for insurance through any Health Insurance Marketplace during open enrollment.

The only exception to this rule are DACA recipients. Currently, even though they are considered lawfully present during their deferred action period, they aren’t eligible to enroll in health coverage. The Biden administration is working to change that, so it’s possible that DACA recipients may be eligible during future open enrollment periods.

Federally funded programs have a few more health coverage eligibility requirements

Medicaid and the Children’s Health Insurance Program (CHIP) are options for any immigrants who have held “qualified” status for at least five years. Veterans, active duty military and their families, and refugees are still eligible without the five-year wait period.

New immigrants aren’t eligible for Medicare no matter their age. If an immigrant or their spouse has worked in a job that paid Medicare payroll taxes for a minimum of 10 years, they can apply for Medicare Part A as soon as they turn 65.

While you’re waiting for a green card, immigrants have a few options

If you’ve applied for a green card but you’re still waiting on it, you’re considered a visitor to the US. It can take an average of 7 to 33 months to obtain a green card in the US, but until you get that card, you won’t qualify for Obamacare.

You can, however, sign up for a visitor insurance plan. Visitor medical insurance plans offer temporary, short-term insurance plans for up to about a year, and many plans can be extended for a second year. It’s more expensive than Obamacare, but it’s a good insurance option for immigrants waiting for a green card.

If you’re an undocumented immigrant, know your healthcare options

Undocumented individuals are not considered lawful US residents, so they’re not eligible for federally funded programs like Affordable Care Act marketplaces and Medicare. Undocumented persons still have options, however. If you’re undocumented, you can still do the following:

Apply for health insurance on behalf of eligible dependents

If you aren’t a lawful resident but your children are, you can still enroll them in a health insurance plan during open enrollment even though you’re ineligible yourself.

Visit low-cost community health clinics

Check for a local health clinic in your area through a directory of national free clinics or a state-specific community clinic list. These are designed to treat everyone who needs care, including undocumented immigrants and individuals without health insurance. ‍

Acquire emergency medical treatment

All hospitals and emergency centers are legally required to treat and stabilize any patience who need emergency medical care, even if they are unable to pay. This includes undocumented immigrants.

Sign up for unsubsidized private health insurance

Some health insurance companies may offer private health insurance coverage for undocumented immigrants depending on their country of origin

In 2022, California made a groundbreaking law regarding immigrant health insurance

California became the first US state to offer state-funded health insurance coverage to undocumented immigrants. The new eligibility rules kicked in as of January 2024, offering an expanded Medi-Cal program to almost all eligible state residents, undocumented immigrants included. Other Medi-Cal eligibility rules still apply, but if you live in California, you can contact our team to see if you qualify.

HealthBird Member Concierge

hello@healthbird.com
(833) 384-2473

What is a Government Health Insurance Subsidy?

A government health insurance subsidy is a valuable form of financial assistance designed to reduce the cost of healthcare for individuals and families. These subsidies are typically provided by the government to lower health insurance premiums for eligible individuals, based on their income and other qualifying factors.

Who Qualifies for Government Subsidies?

Eligibility for government health insurance subsidies primarily hinges on your household income and size relative to the federal poverty level. Generally, if your income falls within the range of 100% to 400% of the federal poverty level, you may qualify for various forms of subsidy assistance.

Types of Government Subsidies:

• Premium Tax Credits: Premium tax credits are the most common type of government subsidy, aimed at reducing your monthly premium expenses. The amount you receive depends on your income, with lower incomes receiving higher subsidies.
• Cost-Sharing Reductions (CSR): These subsidies effectively lower your healthcare costs by reducing deductibles, copayments, and coinsurance expenses. CSRs are available to individuals who opt for Silver plans and have an income ranging from 100% to 250% of the federal poverty level.

How Do Government Subsidies Work?

When you apply for insurance through HealthBird, our advanced AI tool, Costa, evaluates your income and other relevant factors to determine your eligibility for government subsidies. If you qualify, the subsidy is directly applied to your monthly premiums, resulting in reduced out-of-pocket expenses.

Why Are Government Subsidies Important?

Government subsidies play a pivotal role in making health insurance more accessible and affordable. They ensure that a broader spectrum of individuals can access the healthcare they need without encountering financial burdens.

Is the $6,400 Subsidy a Scam?

No, the $6,400 subsidy is not a scam, but certain advertisements might be misleading. It's crucial to understand how government health insurance subsidies, including the $6,400 subsidy for some individuals, actually work.

How it Works:

It's essential to recognize that government health insurance subsidies are not provided as direct payments or checks to individuals. Instead, these government subsidies are specifically designed to reduce the cost of health insurance coverage. For eligible individuals, this subsidy can reach up to $6,400 annually, effectively lessening the financial burden of healthcare expenses.But some may qualify only for certain portion of that subsidy.

To assess your eligibility and gain a clear understanding of how it can significantly reduce your healthcare costs, you should evaluate your income and other qualifying factors when exploring health insurance options.

One of the fastest ways to do that is through HealthBird's user-friendly platform and AI tool, Costa. These government subsidies directly apply to your health insurance premiums, making coverage more affordable and accessible for those who qualify. So, rest assured that the $6,400 subsidy is a legitimate and beneficial program designed to make health insurance more affordable for eligible individuals and families.

Comprehending and leveraging government health insurance subsidies can significantly lower the cost of your healthcare. At HealthBird, we are committed to simplifying the insurance process and assisting you in finding the best coverage at an affordable price.

Remember, our dedicated team is always available to help you navigate these options and maximize the benefits you're entitled to.

Are you ready to explore your government subsidy options?

Fill out HealthBird’s quick application to kickstart your journey. Our user-friendly platform, coupled with our advanced AI tool, is poised to guide you through every step.

Let's simplify and make health insurance more affordable together!

‍Note: If you or someone in your care is experiencing a potential medical emergency, stop reading and dial 911.

Your primary care doctor is the best option for non-emergencies

‍Cost: $$

Wait time: Until an appointment is available

When cold and flu season hits, pin your doctor’s contact info on the fridge. Your primary care physician, the one you see for annual checkups and bloodwork, is your first line of defense against pesky coughs, viruses, allergies, minor injuries, and every other non-urgent condition. They already know your medical history in full. They’re better equipped to provide customized care than an urgent care doctor who’s seeing you for the first time.

While your exact coverage depends on your health insurance policy, visiting your PCP (primary care provider) is almost always the most affordable option with the lowest co-pay. The downside of visiting your PCP is that most doctors today are extremely busy. Getting a last-minute appointment can be a challenge.

Luckily, HealthBird offers a digital appointment booking through an app, so you don’t have to call to the doctor’s office and wait in line.

If a cough is keeping you up all night, you may want to skip the wait and head to an in-network urgent care.

‍You should see your doctor if:

• Your condition isn’t urgent
• They have same-day or next-day appointments available
• You’re being treated for a prolonged condition

Urgent care is a good option if you can’t reach your doctor

Cost: $$$

Wait time: Typically first come, first serve

Whenever your doctor’s office is closed or fully booked, head to urgent care. Urgent care centers are easily recognizable by names like MD Now urgent care, Nextcare urgent care, Wellnow urgent care, and Fastmed urgent care. Are you sensing a theme? Most urgent care centers, including urgent care for kids, provide timely care for a wide variety of non-life-threatening conditions, including:

• Colds, flus, and coughs
• Sprains and pulled muscles
• Fevers
• Headaches
• Vomiting and diarrhea
• Abdominal pain
• Ear, sinus, and urinary tract infections
• Rashes
• Minor cuts that may require stitches
• Minor eye injuries
• Minor fractures

If you’re not sure when to go to urgent care vs. PCP, it mostly comes down to availability and convenience. When your head is pounding or you can’t sit up without getting queasy, the less time spent in a waiting room the better. Urgent care wait times vary, but some centers now offer an online check-in option to speed up the process.

Some clinics may not offer x-ray services, but most do. If an x-ray shows a more serious break or sprain, the urgent care physician will refer you to the ER instead. If you’re not sure if your condition can be treated at urgent care, call or drop in and ask. Based on your symptoms, they’ll be able to tell you which option is a better fit.

Are walk-in clinics the same?

Almost, but not quite. Some large pharmacies and retail stores offer convenient walk-in clinics to treat simple conditions. A MinuteClinic, like those found in some CVS stores, is best for adults with minor symptoms. They’re often staffed by nurse practitioners and physician assistants, however, so they can’t treat as many conditions as a full-service urgent care center.

Retail health clinics are a good choice for alleviating cold and flu symptoms, ear infections, and minor skin conditions, plus getting vaccinations or boosters. The biggest benefit of these clinics is that no appointment is required, and wait times are usually minimal.  

You should go to urgent care if:

• Your PCP is fully booked
• You need care outside of typical office hours
• You have a minor, non-life-threatening illness or injury

For potentially serious conditions, head to the emergency room, stat

Cost: $$$$

Wait time: Potentially long, with serious conditions given priority

ER copays are the most expensive, so don’t visit the emergency room if you just have an unpleasant stomach bug, light fever or a bad sore throat. Emergency care is for just that: Emergencies.

If you’re experiencing what could be a medical emergency, the emergency room is a no-brainer, but what counts as an emergency?

As a rule of thumb, if a person could die or become disabled due to an illness or injury, it counts as an emergency. If the risk is immediate, dial 911. Conditions that warrant a 911 call include, but are not limited to:

• Choking
• Being unable to breath
• Severe chest pain or pressure
• Serious head injuries that result in confusion or fainting
• Neck or spine injuries
• Severe burns or electric shocks
• Severe bleeding
• Seizures, especially those lasting over a minute
• Sudden weakness or drooping on one side of the body
• Suddenly loss of sight, vision, or ability to move

Other conditions may be serious enough for an emergency room visit, but not so serious that you need help to come to you. Possible broken bones, deep wounds, burns, severe pain, high fevers, potential poisoning or drug overdose, allergic reactions, and sudden, severe headaches are examples of conditions that warrant a trip to the ER.

You should go to the ER if:

• Your PCP and local urgent care center is closed
• You’re in severe pain or discomfort
• You may be experiencing a medical emergency

Again, if there’s any shred of doubt, go dial 911. You know the phrase “better safe than sorry?” In this case, it’s more like better safe than dead. The higher copay and uncomfortable wait is worth it if it saves your life.

Unclear what your insurance covers with either of the visits?

Don't hesitate to give us a call at (833) 384-2473 or email hello@healthbird.com. Our team of Licensed Team at HealthBird is always available to delve into your account details and offer you the dedicated support you need. We're here to ensure you have all the answers for your insurance queries.

Not sure which option is the right choice? Ask a nurse 24/7!

Still stuck trying to decide between PCP vs urgent care, or urgent care vs ER? Health hotlines are available around the clock to help you make a quick, informed decision. Most insurance companies offer their own nursing hotline, so check with your provider to get remote guidance in minutes.

Whether you end up at a 24-hour urgent care or the emergency room, you’ll likely have prescriptions to fill after the fact. Even if you’re fully insured, consider using HealthBird’s FREE Rx card to save on generic medications and some over-the-counter drugs.

Securing health insurance as a small business owner in the gig economy can be a unique challenge. Unlike traditional salaried positions that often provide comprehensive health benefits, gig workers, freelancers, and self-employed individuals must take the initiative to find suitable health coverage. In this blog post, we'll show you how to easily and affordably obtain health insurance tailored to your needs as a small business owner in the gig economy.

Understanding Your Role as a Small Business Owner:

You're not just an independent worker; you're also your own boss. This autonomy gives you the freedom to choose when, where, and how you work. However, it also means you're responsible for securing your own health insurance plan.

The Importance of Health Insurance for Small Business Owners:

Firstly, no one is immune to illness or injury, and having proper coverage ensures you can access medical care when needed. Secondly, proactive preventive care is crucial to maintain your health and productivity as a small business owner. In many cases, gig workers do not have access to the safety net of traditional employment, such as unemployment benefits, making health insurance a critical financial safeguard.

Streamlining the Health Insurance Selection Process with HealthBird:

Choosing the right health insurance plan can be overwhelming when you're a small business owner in the gig economy. However, HealthBird simplifies the process.

By downloading the app and answering a few questions, you can receive a curated list of insurance plans that align with your unique needs and budget. Our user-friendly platform takes the complexity out of the selection process, making it easier than ever to secure the coverage you require.

Financial Benefits of Health Insurance for Small Business Owners:

Depending on factors like your income and the number of dependents you have, you may qualify for reduced premiums through government subsidies, which we will calculate in a matter of seconds while you’re completing your application.

Additionally, as a self-employed individual, you may benefit from deducting your monthly insurance premiums on your federal taxes, helping you save money while staying protected, we recommend consulting your CPA.

Embrace the Opportunity: Enroll Today!

If you can navigate the challenges of being your own boss in the gig economy, you can certainly handle securing health insurance.

Take advantage of the free HealthBird platform today to start planning your next health insurance move and ensure your well-being as a small business owner in the gig economy.

When it comes to health, everything is connected. It’s hard to take care of your physical health if you’re constantly anxious or depressed. On the flip side, it’s hard to have a positive mindset if you’re dealing with chronic pain or stressful medical conditions. This is especially true if you’re worried about the cost of getting the care you need. The good news is that health insurance makes caring for both your physical and mental health much more affordable.

Many mental and behavioral health services have to be covered

Insurance companies have some say over what they cover and to what degree. Some services, however, are defined by the US Health Care Department as essential health benefits.

All insurance providers are required to cover essential health benefits. The specifics vary by state, but essential benefits always include emergency services, maternity and newborn care, lab services, preventative care, pediatrics, prescription medication, and mental health services.

The Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act passed in 2008, requiring coverage for mental health that’s comparable to physical health coverage.

Currently, essential mental health services include:

• Behavioral health services, like therapy and counseling
• Inpatient services
• Substance use treatment

Treatment for all mental health disorders, from anxiety and ADHD to bipolar depression, is covered. If you’re concerned about your dependence on substances, that’s covered too. Insurance companies are required to charge the same copay for office visits as those for medical or surgical office visits. They also can’t deny coverage for pre-existing conditions. If you were diagnosed with ADHD as a kid, you can still seek treatment as an adult and rest easy knowing you’ll be covered. Marketplace plans can’t add a cap on yearly or lifetime essential care costs, either. You’ll still have to meet your annual deductible first, but the rest of your care will be covered.

What are the limitations of mental health care coverage?

While insurance companies can’t enforce an annual cap on visits to a mental health professional, they’re still allowed to define what types of visits are considered “medically necessary.” For this reason, depending on the type of care you need, your insurance may only cover a certain number of mental health visits per month or year.

Similarly, while prescription medications are covered, you may still have to pay a certain percentage. HealthBird Rx card is a great, free resource to further reduce the cost of your next trip to the pharmacy. With insurance coverage and an Rx card in hand, most medications are affordable– much more affordable than the cost of paying out of pocket, or neglecting care until it’s a far more costly emergency.

How to use your insurance for mental health care services

Getting the care you need isn’t nearly as intimidating as it seems. Now, insurance providers often cover telehealth options so that members can talk to a psychologist or psychiatrist from the privacy of their own homes. To find out what services are covered by your current health insurance plan, review your plan’s policy guide or call your insurer’s customer service hotline for the details.

If you’re not insured or your old plan isn’t cutting it, you’re in luck. Open enrollment is the best time to enroll, so now is the perfect time to start weighing your options.

The HealthBird app is a great place to start. After you answer a few questions, you’ll have a list of quotes curated just for you. Look over the details of each plan in the running to see which one is the best fit for your care needs.

If you’re not sure which one is right for you, reach out to our 24/7 chat, and we’ll point you in the right direction. We’re feeling more relaxed just thinking about it!

20 years ago, if you got an earache or struggled with migraines, your only option was to drag yourself to the doctor’s office.

Due to the pandemic in 2020, many healthcare providers began offering virtual doctor’s visits to high risk individuals. The new telehealth offering made healthcare more accessible for the elderly and anyone with autoimmune conditions who couldn’t risk contracting COVID-19. A blessing in disguise, we quickly realized the endless benefits of telemedicine that still apply long after the end of mask mandates.

Now, many insurance providers include telehealth options to patients, making it easier than ever to get the care you need.

The perks of using telehealth services

Easier access to care for older adults or those with limited mobility

Going to the doctor can be stressful for most people. For seniors and anyone with mobility challenges, making it to a doctor’s appointment in person can be even more of a headache than it needs to be. Telehealth options allow people to take care of basic health needs from the comfort of their home. No worries about arranging transportation or fighting traffic.

Easier access for those living in rural areas

Going to the doctor is also tougher if you live miles away from the closest health care provider. Instead of having to take time off work just to get a minor illness checked out, you can chat with a care provider and potentially get a diagnosis and prescription without even putting on pants.

Convenient care options for treating minor conditions

Why go all the way to the doctor when some conditions are so common, easy to diagnose and treat from afar?

More support for family caregivers

For those helping to care for adult family members, telehealth is huge. Now, they can meet with their loved ones’ care providers virtually, allowing them to provide better care even when they can’t attend every doctor’s visit in person.

No waiting for an appointment

With traditional doctor visits, it can take weeks before a health care provider has an opening. Even when they do, they’re often running behind. Patients are stuck waiting for an hour or more past their scheduled appointment time just to check on an annoying cough or renew a prescription. Telehealth visits can often be booked the same day. If a physician is running late, you can always catch up on your Netflix watchlist while you wait.

More environmentally friendly

For all of us trying to live greener, telehealth takes the gas usage out of medical appointments. It’s a small difference, but every little step counts!

Quick mental health support when it counts

Anyone who needs help with emotional wellness can benefit from a less stressful healthcare experience. Telehealth lets people talk with a licensed therapist and get screened for mental health conditions without the inconvenience of having to drive to an intimidating office.

How telehealth works

There are several ways to access telehealth services, but most follow a similar format. Appointments are scheduled using an online portal. The portal also allows patients to review test results, ask for prescription refills, or send a confidential message directly to their care provider. At the time of their scheduled appointment, they visit with their doctor or nurse over the phone or via video chat. From there, care providers may diagnose and treat patients, or recommend that they come into the office for a more in-depth assessment.

Covered telehealth services

Telehealth includes many common services including the following:

• Care for recurring conditions like urinary tract infections or headaches
• Skin care help
• Common urgent care issues, like coughs and flus
• Authorization for relevant lab tests and/or delivery of results
• Prescription renewals
• Follow-ups after surgery
• Preventative care consultations to track ongoing conditions
• Mental health care
• Treatment of ADHD and anxiety

Telehealth isn’t a replacement for routine preventative care visits, vaccinations, and any diagnoses that require a hands-on approach. Blood work and imaging has to be done in person too. That said, many of the most common health care services are offered virtually, and many insurance companies are on board.

We recommend that you carefully review the specific benefits and coverage details of your individual health plan to understand the telehealth services available to you. Please be aware that the availability and extent of telehealth services may vary depending on your plan type and the carrier or insurer that provides your coverage.

What to know before your first telehealth visit

Firstly, before you sign up for an insurance plan, check to see what telehealth services are covered. You can also call your existing insurance provider to find out what your options are. Fortunately, most providers cover telehealth visits now.

To prepare for the visit, document vital information like your weight, blood pressure, and blood sugar if you’re diabetic. Keep track of your symptoms so that you can share the most accurate information at the time of your appointment. If there’s a specific injury or condition you’d like them to see, consider taking close-up photos of the area in advance.

If your virtual care provider will be different from your usual one, request medical records from your old provider in advance. That way, you won’t have to waste any time explaining your medical history during your virtual visit. It’s also helpful to come up with a list of questions in advance.

Not sure where to start with telehealth visits?

Call (833) 384-2473 or email at hello@healthbird.com for personalized support to help you get the right coverage and the right care for your needs.

No one adds “get pneumonia” or “ankle sprain” to their calendar. As much as we hope to never need to visit urgent care, most of us do need medical care at some point or another. Preventative care can also catch small health problems before they snowball into big ones. If you don’t have health coverage, you’re stuck paying the entire bill in full. Considering just getting an X-ray can cost up to $400, going without insurance is a major risk. Aside from being protected from crushing medical expenses, having health insurance makes taking care of your physical and mental health much more accessible.

Not sure where to start? Let’s review the health insurance basics

Health insurance can be confusing, but it’s not as complicated as it seems. When you sign up for a health insurance plan, you’ll have several coverage options to pick from depending on your needs and budget. Factors to consider when choosing a plan include:

Health Insurance Tiers: Health plans are typically arranged in tiers. Gold or platinum plans offer the most comprehensive coverage, while bronze offers the least. All plans cover an annual physical and emergency medical treatment, but you’ll have to pay more out of pocket if you have a lower-tier plan.  

HMOs vs PPOs: In addition to tiers, health insurance plans are broken into two categories: HMOs or PPOs. HMOs usually cost less per month, but members are required to visit care providers within a certain network. A PPO is more expensive per month, but members can use providers both in and out of network without getting a referral. If you see specialists frequently, the flexibility of a PPO may be worth the higher premium.

Monthly Premiums: Every insurance plan comes with a monthly premium. Higher-tier plans and PPOs typically have higher premiums.

Deductibles: In addition to a monthly premium, health insurance plans require members to pay a certain amount before their coverage kicks in. This is called a deductible. If a plan has a $1,500 deductible, that’s how much you’ll need to pay yourself before your insurance begins to pay. This doesn’t include services that are included in the plan for free, like an annual wellness exam, preventative screenings, and vaccines.

Copayments: After you’ve met your plan’s deductible, you’ll still need to pay copayments when you receive medical services. Copayments can be a flat fee or a percentage of the cost of care. For example, your plan may require a $25 copayment for every doctor’s visit outside of your annual wellness exam, or $50 for every visit to the ER. Some services, like diagnostic tests, might require you to pay a percentage of the cost yourself. If you have a 20% copay, your insurance will pay 80%, and you’ll have to pay the remaining 20% yourself.

Statistically, having a health insurance plan improves your quality of life– And your family’s too!

The most obvious benefit of having health insurance is that you’re protected from unexpected, high medical costs. Considering the average cost of hospital care after a heart attack is over $50,000, and a C-section costs over $20,000, that benefit alone justifies the expense. Members also pay less for covered, in-network care, even if they haven’t yet met their deductible. If you have kids, all the preventative care they need is covered, and so is yours.

In short, health insurance makes healthcare more accessible. When people aren’t stuck worrying about whether they can afford an ambulance ride or not, they’re more likely to get the medical attention they really need. Those with health insurance have lower death rates and better health outcomes in the long run. They also are more likely to take prescribed medication consistently when cost is no longer a barrier.

Because physical and mental health impact every facet of our lives, having health insurance improves well-being throughout the entire community. People who can access health care easily are more likely to prioritize their health and address medical issues, increasing productivity and improving financial wellness. Coverage also makes it easy to get preventative care, lowering the number of visits to the emergency department later on.

What happens if you’re not insured?

If you’re not insured, cross your fingers and hope you never get sick. A trip to the ER can easily cost thousands. It’s possible to set aside money in a Health Savings Account, or HSA, but should not be considered a replacement for health insurance coverage. An HSA can be a valuable part of a comprehensive healthcare strategy to help cover your plan's deductible and copays, and it comes with beneficial tax advantages. Nevertheless, without insurance, you’ll be stuck paying full price for every service, which can easily exceed what most of us can reasonably save. In other words, going uninsured is a huge gamble that’s rarely worth the risk.

If you have any pre-existing conditions, don’t worry. The Affordable Care Act stipulates that health insurance companies can’t charge extra or refuse coverage just because someone has an existing health condition.

Okay, I’m sold. When can I sign up?

Every year, there’s an opportunity to sign up for a new insurance plan or change your old one. The enrollment period is called open enrollment, and it runs from November 1st through January 15th. Some states offer extended enrollment through January 30th.

Outside of that window, you can only sign up for insurance if you have a qualifying life event, like losing health coverage through your employer or getting married. Short-term insurance plans are available if you miss the deadline, but they’re expensive and are designed for temporary coverage gaps. It’s much easier to plan ahead and sign up for the right policy during open enrollment.

Find the coverage option that’s right for you

With open enrollment around the corner, this is the ideal time to start planning your next health insurance move. Follow HealthBird on social to get real-time updates, or get free quotes for health plans, dental, vision, and more in minutes.

Signing up for a health insurance plan is a little different in the gig economy. Salaried positions usually come with health benefits, typically offering a few health insurance plan options to pick from. If you’re self-employed, gig economy worker, or freelancer, health coverage isn’t built into your job.

Does that mean you’re stuck without insurance, crossing your fingers that nothing goes wrong? Of course not! The process of getting insured as a gig worker is different, but it’s still easy and affordable if you know how to do it. Relax. We’ll walk you through it.

When you’re a gig economy worker, you’re your own boss.

Self-employed friends, give yourself a pat on the back. In the eyes of the government, you’re your own employer. In exchange for perks like choosing, how, when, and where you work, you’re in charge of getting your own medical insurance plan.

Why is health insurance as a gig worker so important, anyway?

Unless you’re the next Marvel superhero, you’re probably not invincible. In addition to the risk of getting sick or injured, staying on top of preventative care is crucial for gig workers. While some states offer limited unemployment benefits to independent contractors, more often than not, being unable to work means losing your income. If a gig worker gets seriously ill and can’t work, they’re stuck taking care of astronomical medical bills while they’re supposed to be taking care of themselves. Not good. Fortunately, getting insured isn’t that tough.

With HealthBird, picking a new plan is a breeze for gig workers

When your employer provides health insurance, your options are chosen for you. As a gig worker, you have dozens of plans to pick from, but all those options can be overwhelming. That’s where HealthBird comes in. Just download the app, answer a few questions, and get a list of plans that fit your needs and budget in a matter of minutes.

It’s crazy simple, and depending on your income, number of dependents, and other factors, you may be eligible for reduced premiums. Additionally, if you pay for your own medical insurance, your monthly premiums are deductible on your federal taxes.

Still nervous? Don’t be!

If you can handle being your own boss, you can handle this one too. Open enrollment is coming soon.

Prepare by taking the free HealthBird app for a spin and start planning your next health insurance move today.

Growing up is fun, isn’t it? You finally have no one telling you what to do! When you turn 26 and realize you have no idea how health insurance actually works, and can’t stay on Mom or Dad’s plan anymore, it’s not quite as fun. There are plenty of other reasons you may not have had to shop for health insurance up until now, too. Maybe you’ve always had insurance through your job, and now you’re taking the freelance life for a spin. Whatever the reason, signing up for health insurance doesn’t need to be intimidating.

If none of the insurance jargon makes sense, don’t feel bad. Just follow this 10-step cheat sheet, and you’ll be on your way to having effective, affordable coverage. If you’re in a rush, skip to number eight. If there’s any insurance fact you have to know, it’s that one.

1. Know that signing up for a health insurance plan saves money in the long run

At first, signing up for health insurance seems like a waste of money. If you’re young and healthy, it feels pointless to hand over your hard-earned cash for a subscription you never use. Why bother? You probably use Hulu and Netflix way more often, and those services don’t pay for themselves! The difference is that if you cancel your streaming subscriptions, the biggest risk is that you’ll miss out on the latest Disney+ exclusive. If you skip health coverage, you risk paying tens of thousands of dollars out of pocket. It doesn’t seem worth it until you need it. Once you do, it’s very, very worth it. Paying for another pricy “subscription” might be a pain, but going bankrupt hurts so much worse. Don’t risk it.

2. Be wary of sketchy health insurance ads

The allure of low-cost health insurance advertised online is understandable. If it looks too good to be true it probably is. When you’re shopping for health insurance, stick with reliable sources. If you are not selecting a plan through your employer, HealthBird is the go-to platform for reviewing your options. It's a reputable app that streamlines the entire process. Alternatively, you can also explore HealthCare.gov for additional choices and information.

3. Find out if you’re eligible for free or low-cost coverage

Depending on your income, it’s possible you’re eligible for reduced monthly premiums, or even no premium at all. If you’re over 26, or over 18 and no one claims you as a dependent on their income taxes, your income will be automatically taken into account during the application process to get you the best prices possible.

4. Consider your health needs

Before you choose a plan, consider how you’ll likely use it. If you’re young and have no preexisting conditions, you’ll likely use your insurance sparingly. You may not need to spend extra on a PPO plan that allows you to visit out-of-network specialists without a referral. If you have a chronic condition, however, the upgrade is worth it. Check whether your current prescriptions are covered under any plans you’re reviewing as well. Just like pants, your plan is supposed to fit you, not the other way around.

5. Browse local health networks

If you select an HMO plan, you’ll be able to see a list of doctors and specialists who all work within a single network. If you already have a doctor you love, check what network they work with and choose a plan accordingly. If you don’t, consider asking around for local recommendations to make it easier to find a primary care physician you actually want to visit.

6. Read up on premiums, deductibles, and copays

Decoding some of the buzzwords of health insurance is important to choosing the right plan. The short version? A premium is the amount you pay every month to stay covered. A deductible is the amount you’ll be expected to pay out of pocket before your coverage kicks in. A copay is the amount you’ll have to pitch in for covered services. A lab test might be covered 80% by your insurance plan, for example, while you’ll need to pay the remaining 20%. For the details, check out our in-depth post on health insurance tiers.

7. If you like the plan you have, you might be able to keep it

Even if you’re aging out of your parent’s health insurance plan, if you already love the insurance you have, why change? Many major health insurance companies offer the same or similar health insurance plans through online insurance marketplaces as they do through employers. Look for a plan within the same insurance provider network, and all your existing care providers should be covered.

8. Don’t miss the deadline

Health insurance open enrollment is only available once a year starting on November 1st. Shoppers have until January 15th to enroll, although individual states may extend the deadline. Get the details on how open enrollment works here.

9. Sign up the easy way

If you go to your state’s online healthcare marketplace, you’ll need to sort through all your coverage options on your own. That’s a tedious task for anyone! HealthBird simplifies the process by asking you to answer the most important questions right off the bat. Based on your answers, the app narrows down your options and curates customized, no-commitment quotes in minutes. Give it a try! It’s totally free.

10. Ask for help

Still stumped? We have live agents available around the clock to clear up any confusion and help you choose the right health insurance plan for you. Yes, real people, not annoying bots. Reach out online, and get your questions answered fast.

It’s coming, folks: Open enrollment is right around the corner, and that’s great news. Open enrollment is our favorite time of year for three reasons.

1. It’s the easiest time to enroll in a health plan, hands down.

2. It’s an opportunity to switch plans if your old coverage doesn’t match your needs.

3. The open enrollment period starts and ends at about the same time every year, so you have plenty of time to read up and weigh your options.

To make matters easier, we’ll break down the details. It’s not as complicated as it seems, trust us.

When is open enrollment this year? We’re glad you asked

According to HealthCare.gov, the open enrollment period begins on November 1st. The deadline for enrollment is January 15th in most states. Those who enroll by December 15th will receive coverage starting on January 1st, while those who enroll between December 16th and January 15th will start coverage on February 1st.

State-based deadlines vary slightly, however. Some states offer earlier open enrollment, while others extend the window for benefits enrollment through January 31st. Find your official state-based healthcare website here, or review a summary of the current state-specific deadlines on the ObamaCare open enrollment guide. Extensions may change, so check your state’s official website or HealthCare.gov for the latest information. Of course, it’s easier to plan ahead, so save yourself the headache and explore your healthcare options early.

Who’s eligible for open enrollment?

The annual open enrollment period is the best time for everyone to enroll in health coverage unless you already receive coverage through your employer or through Medicare. Thanks to the Affordable Care Act (ACA), parents can also sign up their children for coverage until the age of 26, with no lifetime cap or annual cap on how much insurance will pay. You can’t be denied coverage if you or your child has a preexisting condition either. In other words, if you’re a law-abiding U.S. citizen who lives in the country and isn’t covered by Medicare, you should be eligible for health insurance enrollment during this year’s open enrollment period.

What happens if you miss the deadline for enrollment?

After the enrollment deadline on January 15th, your healthcare options become considerably more limited. It may be possible to get coverage if you experience a qualifying life event, like losing coverage through your job, getting a divorce, or having a child. If none of those circumstances apply, you may very well be stuck with your current plan, or have to go without insurance until the next open enrollment period. There are temporary options worth considering to span the gap, but it’s much easier to avoid the issue and enroll on time. Fortunately, the window for open enrollment is about 10 weeks long, leaving plenty of time to pick a great plan.

How are you supposed to pick a health plan when there are so many to choose from?

If it seems overwhelming, we feel you. We thought the same thing, so we decided to make the entire process a whole lot easier. Instead of having to browse endless options on a confusing health insurance marketplace website, you can get a customized list of plans tailored to meet your exact needs and priorities. Just answer a few questions, get tailored recommendations with side-by-side-comparisons, submit your application, and get approved online. Quotes are instant, and the entire process takes less than 10 minutes.

That said, you’re welcome to take all the time you need. Your quotes will be saved in the HealthBird app for you to review at your convenience. If you’re in the market for dental or vision coverage, you can shop for that too.

Bottom line: Why procrastinate when picking a plan is so easy?

We get it. The process of health plan selection can be overwhelming, but it’s not as complicated as it sounds. We’ve done our best to make it as intuitive as possible, and we’re always available to chat if you need help.

Open enrollment is the best time for changing health plans or exploring the latest available healthcare options, so mark your calendar: November 1. Get covered, and stay healthy. And don’t forget to buy some healthy snacks to celebrate once you’re all squared away!

The multitude of available plans can make it feel as if you're stuck in a labyrinth. However, you don't have to worry, we are here to guide you to your perfect plan.

This comprehensive manual will arm you with the knowledge to make an educated decision regarding your health insurance. We'll break down everything from the diverse plans available to explaining complicated terms like deductibles and copayments. Plus, we'll be sharing tips for contrasting insurance providers, assessing coverage options, and identifying the best plan that aligns with your budget. This guide is perfect for everyone, from a fresh professional to families seeking extensive coverage. Let's dive in and find a health insurance plan that doesn't break the bank but offers adequate protection for your health and financial stability.

Why You Need Health Insurance

Health insurance plays a crucial role in your financial strategy. It offers coverage for medical expenses, guaranteeing you can afford necessary healthcare services when needed. Without health insurance, a routine visit to the doctor or a hospital stay could lead to substantial out-of-pocket costs. It's important to remember that medical bills are a major cause of bankruptcy in the United States. Health insurance not only shields your health but also preserves your financial security.

Decoding Different Health Insurance Plans

Before settling on a health insurance plan, it's crucial to understand the various options. Some of the most common health insurance plans include:

1. Health Maintenance Organization (HMO): These plans mandate choosing a primary care physician (PCP) who will oversee your healthcare and provide necessary referrals for specialists. HMOs usually have lower monthly premiums and out-of-pocket expenses but restrict your choice of healthcare providers.
2. Preferred Provider Organization (PPO): PPO plans offer more flexibility when it comes to choosing healthcare providers. They allow you to see specialists without referrals and visit out-of-network providers at a higher cost. PPO plans generally have higher premiums and out-of-pocket costs compared to HMOs.
3. Exclusive Provider Organization (EPO): EPO plans resemble PPO plans regarding provider choice, but they do not cover out-of-network care unless it's an emergency. Monthly premiums and out-of-pocket costs for EPO plans are typically lower than PPO plans.
4. Point of Service (POS): POS plans merge features of HMO and PPO plans. You select a PCP who will coordinate your care, similar to an HMO. However, like a PPO, you have the choice to see out-of-network providers at a higher cost.
5. High-Deductible Health Plan (HDHP): HDHPs have lower monthly premiums but higher deductibles. They often come with a Health Savings Account (HSA), allowing you to save pre-tax dollars to pay for qualified medical expenses. HDHPs are suitable if you're generally healthy and want to save on monthly premiums.

Considerations When Choosing a Health Insurance Plan

When picking a health insurance plan, keep several factors in mind to ensure it suits your specific needs:

• Coverage: Evaluate the coverage offered by different plans. Consider elements like doctor visits, hospital stays, prescription drugs, preventive care, and specialty services relevant to you and your family.
• Costs: Contrast the costs associated with each plan, such as monthly premiums, deductibles, copayments, and coinsurance. Understand how these costs may fluctuate depending on the services you use.
• Network: Consider the network of healthcare providers each plan includes. Are your preferred doctors, hospitals, and specialists within the plan's network? If you have specific healthcare needs, ensure the plan covers the necessary providers and services.
• Prescription Drug Coverage: If you routinely take prescription medications, consider the plan's coverage for these drugs. Check the formulary (a list of covered medications), and verify whether your prescribed medications are included.
• Out-of-Pocket Maximum: This is the limit on the amount you pay for covered services annually. Once you reach this limit, the insurance company will pay 100% of covered services. Keep in mind your budget and potential healthcare needs when comparing out-of-pocket maximums.
• Additional Benefits: Some health insurance plans offer extra benefits like dental and vision coverage, wellness programs, and telemedicine services. Determine if these additional benefits match your needs and preferences.

By considering these factors, you can make sure that the health insurance plan you choose provides the necessary coverage at an affordable cost.

Evaluating Your Healthcare Needs

Now that you're aware of the different health insurance plans and factors to consider, it's time to evaluate your healthcare needs. Ask yourself the following:

• Medical Care Frequency: How often do you see a doctor? Are there any ongoing medical conditions that need regular care? If you seldom visit a doctor and are generally healthy, a plan with lower monthly premiums and higher out-of-pocket costs might be suitable. But if you frequently need medical attention or have a chronic condition, a plan with higher monthly premiums but lower deductibles and co-pays may be a better choice. This could also provide you with better coverage for regular treatments and consultations.
• Prescription Medications: Do you take prescription medications regularly? Consider a plan that offers good prescription drug coverage. This could drastically reduce your out-of-pocket expenses for medications.
• Specialist Care: Do you require specialist care or foresee needing it in the near future? If so, ensure your plan either covers these services or has a reasonable co-pay.
• Hospitalization: Think about potential hospital stays. They can be significantly costly. A plan that covers a larger percentage of hospitalization costs could be crucial if you or your family members have a higher risk of requiring hospital care.
• Out-of-network Care: Consider if you have a preference for certain doctors or specialists that may not be in the network of all insurance providers. In this case, you might want to consider a plan that offers out-of-network coverage.

By considering these aspects and understanding your personal health care needs, you can make a more informed decision when choosing the right health insurance plan for you and your family. Always remember to read the terms of your health insurance plan carefully to ensure you have adequate coverage where you need it most.

Remember, the goal of seeking professional advice is not just to choose a plan, but to understand the plan you choose. This way, you can take full advantage of the benefits and navigate any issues that may arise with your health insurance.

The Future of Health Insurance: What to Expect

As technology continues to evolve, we can expect significant changes in the health insurance industry. One major development is the rise of digital health platforms, such as HealthBird. These platforms aim to simplify the health insurance process by providing easy-to-understand information and personalized recommendations based on your unique needs.

HealthBird, in particular, utilizes artificial intelligence and machine learning to provide accurate, customized health insurance advice. With just a few clicks, you can compare various health insurance plans, evaluate their costs and benefits, and make an informed decision about your coverage. Moreover, HealthBird's platform provides 24/7 customer support to answer any questions or concerns you may have about your health insurance.

In addition to digital platforms, telemedicine is becoming an increasingly important part of health insurance plans. Telemedicine allows you to consult with healthcare providers virtually, reducing the need for in-person visits. This can be particularly beneficial for routine check-ups, mental health services, and managing chronic conditions. When choosing a health insurance plan, consider how well it covers telemedicine services.

Furthermore, data analytics and predictive modeling are being used to provide more personalized health insurance options. These technologies can analyze your health data and predict potential health risks, allowing insurance providers to tailor coverage and preventive measures to your specific needs.

In conclusion, choosing the right health insurance plan may seem like a daunting task, but with the right information and guidance, it can be a manageable process. By understanding your healthcare needs, comparing different plans, and seeking professional advice, you can find a plan that provides the coverage you need at a cost that fits your budget.

Remember, your health is your most valuable asset. Protect it by investing in the right health insurance plan. With tools like HealthBird and the advice in this guide, you can navigate the health insurance maze with confidence. Stay informed, make wise choices, and secure the healthcare coverage you deserve.

In today's world, unexpected dental emergencies can strike at any moment, leaving you in excruciating pain and with a sense of panic. However, if you don't have dental insurance, the cost of emergency dental care can be a major concern. But fear not! There are options available to help you find affordable emergency dental care without insurance. In this article, we will delve into the various strategies and resources that can assist you in navigating through this challenging situation. From exploring dental schools and clinics that offer reduced rates to seeking out local community health centers that provide dental services on a sliding scale, we will uncover the hidden gems of affordable emergency dental care. So, whether you're dealing with a sudden toothache or a broken tooth, rest assured that there are ways to access the care you need without breaking the bank. Let's dive in and discover how you can find affordable emergency dental care without insurance.

Section 1: The Importance of Emergency Dental Care

When it comes to dental emergencies, time is of the essence. Ignoring or delaying treatment can lead to further complications and more expensive procedures down the line. Whether it's a severe toothache, a broken tooth, or a knocked-out tooth, seeking immediate dental care is crucial. Emergency dental care aims to alleviate pain, prevent further damage, and save your natural teeth whenever possible. By addressing dental emergencies promptly, you can save yourself from unnecessary pain and potentially costly treatments in the future.

Emergency dental care encompasses a range of treatments, including tooth extractions, root canals, repairs for cracked or chipped teeth, and temporary fillings. These procedures are designed to provide immediate relief and restore the functionality of your teeth. By understanding the importance of emergency dental care, you can prioritize your oral health and seek out affordable options to address dental emergencies without insurance.

Section 2: Challenges of Finding Affordable Emergency Dental Care Without Insurance

It's no secret that dental care can be expensive, especially in emergency situations. Without dental insurance, the out-of-pocket costs can be a significant burden for many individuals and families. The lack of insurance coverage often limits the options available for affordable dental care, leaving people feeling helpless in the face of dental emergencies. However, it's essential to remember that there are resources and strategies that can help you find affordable emergency dental care, even without insurance.

One of the primary challenges of finding affordable emergency dental care without insurance is the limited number of providers who offer reduced rates or payment plans. Many private dental practices focus on patients with insurance coverage, making it difficult to access affordable care in emergency situations. Additionally, the lack of transparency in dental pricing can make it challenging to compare costs and find the most cost-effective options. However, by exploring alternative avenues and utilizing available resources, you can overcome these challenges and find affordable emergency dental care.

Section 3: Researching Local Dental Clinics and Services

When searching for affordable emergency dental care without insurance, it's crucial to start by researching local dental clinics and services. Many dental practices offer discounted rates or special programs for individuals without insurance. By reaching out to these clinics and inquiring about their pricing options, you can gain a better understanding of the costs involved and find a provider that fits your budget.

In addition to calling dental clinics, you can also utilize online directories and review sites to find reputable dental practices in your area. These platforms often provide information about the services offered, patient reviews, and pricing details. By reading through these reviews and comparing prices, you can narrow down your options and find a dental clinic that offers affordable emergency care without insurance.

Furthermore, some dental clinics may offer promotions or discounts during specific times of the year, such as Dental Health Month or holiday specials. Keeping an eye out for these opportunities can help you save on emergency dental care expenses. Remember to inquire about any available discounts or payment plans when contacting dental clinics, as they may not always advertise these options upfront.

Section 4: Exploring Dental Discount Plans

Another option to consider when seeking affordable emergency dental care without insurance is dental discount plans. Dental discount plans, also known as dental savings plans, are membership-based programs that offer discounted dental services to their members. These plans typically involve paying an annual or monthly fee in exchange for reduced rates on various dental procedures.

Dental discount plans work by negotiating lower fees with participating dentists and dental specialists. As a member, you can access these discounted rates when receiving dental care from any of the plan's network providers. While dental discount plans are not insurance, they can provide significant savings on emergency dental care expenses.

To find a dental discount plan that suits your needs, research different plans available in your area. Compare the fees, participating providers, and the services covered by each plan. Keep in mind that some plans may have waiting periods before you can access certain procedures, so be sure to consider your immediate needs when selecting a plan. Dental discount plans can be a cost-effective option for individuals without insurance who require emergency dental care.

Section 5: Utilizing Community Health Centers

Community health centers are an excellent resource for individuals seeking affordable emergency dental care without insurance. These centers are designed to provide comprehensive healthcare services to underserved populations, including dental care. Community health centers often operate on a sliding fee scale, which means that the cost of services is based on your income and ability to pay.

To find a community health center near you, search online directories or contact your local health department for recommendations. These centers may offer a range of dental services, including emergency care, preventive care, and routine check-ups. By utilizing community health centers, you can access affordable emergency dental care and ongoing oral health services without insurance.

When visiting a community health center, be prepared to provide documentation of your income, residency, and identification. The staff will use this information to determine your eligibility for the sliding fee scale. Remember to inquire about the specific dental services offered, as community health centers vary in the types of care they provide.

Section 6: Seeking Out Dental Schools and Student Clinics

Dental schools and student clinics are another option worth exploring when looking for affordable emergency dental care without insurance. Dental schools often have teaching clinics where dental students, under the supervision of experienced faculty, provide dental care at reduced rates. While the treatment may take longer due to the learning process, this can be an excellent option for individuals on a tight budget.

To find dental schools or student clinics in your area, search online or contact local dental associations or universities. These clinics may offer emergency dental care services as well as routine check-ups, cleanings, and other treatments. By choosing a dental school or student clinic, you not only receive affordable care but also contribute to the education and training of future dentists.

It's important to note that while student clinics offer reduced rates, the waiting times for appointments may be longer, and certain complex procedures may not be available. However, for emergency situations, dental schools and student clinics can provide much-needed relief and affordable care.

Section 7: Negotiating Payment Plans with Dental Providers

If you're facing an emergency dental situation without insurance, don't hesitate to reach out to dental providers directly and discuss your financial situation. Many dental offices are willing to work with patients to create payment plans that suit their budget. By explaining your circumstances and demonstrating your commitment to paying for the services, you may be able to negotiate a reasonable payment plan.

When speaking with dental providers, be open and honest about your financial limitations. Discuss your emergency situation and inquire about any available discounts, reduced rates, or payment options. Some dental offices may offer in-house financing or third-party financing options that can help you manage the cost of emergency dental care over time.

Remember to carefully review and understand the terms and conditions of any payment plan before agreeing to it. Ask for a written agreement that outlines the payment schedule, interest rates (if applicable), and any other relevant details. By negotiating payment plans with dental providers, you can access the care you need while minimizing the immediate financial impact.

Section 8: Applying for Financial Assistance Programs

For individuals facing financial hardship and unable to afford emergency dental care without insurance, various financial assistance programs may be available. These programs are designed to provide support to low-income individuals and families who require dental care but cannot afford it.

One option to explore is Medicaid, a government program that provides healthcare coverage to eligible low-income individuals. Medicaid dental coverage varies by state, but it typically includes emergency dental services for adults. To determine your eligibility and apply for Medicaid, contact your state's Medicaid office or visit their website.

Additionally, nonprofit organizations and charitable foundations may offer dental assistance programs. These programs may provide free or low-cost emergency dental care to individuals in need. Research local organizations and foundations dedicated to improving oral health in your community and inquire about their assistance programs.

When applying for financial assistance programs, be prepared to provide documentation of your income, residency, and identification. Each program will have its own eligibility requirements, so it's important to review and understand the application process.

Section 9: Preventive Measures for Avoiding Emergency Dental Situations

While it's essential to know how to find affordable emergency dental care without insurance, it's equally important to take preventive measures to avoid dental emergencies altogether. By practicing good oral hygiene and adopting healthy habits, you can reduce the risk of dental emergencies and the associated costs.

Regular brushing and flossing, along with routine dental check-ups, can help identify and address dental issues before they become emergencies. Avoiding hard or sticky foods, wearing a mouthguard during physical activities, and quitting smoking are also preventive measures that can protect your teeth and reduce the likelihood of emergencies.

Additionally, maintaining a healthy lifestyle that includes a balanced diet and stress management can contribute to overall oral health. By prioritizing preventive measures, you can minimize the need for emergency dental care and the financial burden that comes with it.

Conclusion: Taking Action and Prioritizing Oral Health

Finding affordable emergency dental care without insurance can feel overwhelming, but with the right strategies and resources, it is possible. By researching local dental clinics, exploring dental discount plans, utilizing community health centers, seeking out dental schools and student clinics, negotiating payment plans, and applying for financial assistance programs, you can access the care you need without breaking the bank.

Remember that dental emergencies require immediate attention to prevent further complications and costly treatments. By prioritizing your oral health and taking preventive measures, you can reduce the risk of dental emergencies and the associated financial burden.

When faced with an emergency dental situation without insurance, don't hesitate to explore all available options and reach out for assistance. By taking action and seeking affordable emergency dental care, you can alleviate pain, restore functionality, and prioritize your oral health. Don't let the absence of insurance coverage deter you from seeking the care you need. Take control of your oral health today!

The annual January 15th Open Enrollment deadline for health insurance has come and gone. If you missed it, however, don’t feel bad! There are so many reasons to lose your health coverage or miss the deadline. Luckily, there are other options out there for those who are still uninsured. If that’s the case for you, the Special Enrollment period is the first option to investigate. If you qualify for Special Enrollment, however, you have another chance to sign up for affordable, subsidized medical health insurance instead.

Getting health insurance provides financial peace of mind in case of medical emergencies. Even better, all health plans provide annual wellness visits free of charge, so you can proactively take care of yourself without breaking the bank. Figuring out if you qualify for Special Enrollment only takes a few minutes, so let’s break it down.

What is a Special Enrollment period?

There are certain circumstances that may lead to you losing your existing health insurance coverage. When a major life change leaves you uninsured, there’s a safety net: The Special Enrollment period. A Special Enrollment period gives anyone with a Qualifying Life Event an opportunity to apply for a health plan, even if the Open Enrollment period is over.

Special Enrollment periods last for 60 days following a Qualifying Life Event, so if something major happens, you have about two months to get your health insurance ducks in a row.

If you can check off one or more of the following boxes, you most likely qualify:

• You lost health insurance coverage because you no longer qualify for state-sponsored low-income health coverage, like Medicaid, employer-sponsored coverage, coverage provided by the military, or student health coverage
• You moved to a new zip code
• You turned 26 and lost health coverage through your parent's plan
• You got married, divorced, or entered a domestic partnership
• You had a baby or adopted a child
• You gained citizenship or lawful presence
• Your status as a dependent has changed

There are a few other qualifying circumstances, and the best way to find out if you qualify is by filling out an application. No matter how you apply, gather important documents first, like your ID, Social Security Card, tax information, and proof of the Qualifying Life Event. You’ll need them during the application process, which should take no more than an hour.

Applying for insurance can be done within 60 days of a Qualifying Life Event, and sooner is always better. While it’s not the only way to apply, HealthBird streamlines the enrollment process so you can get coverage as quickly as possible.

The pros of checking if you qualify are endless. There’s a good chance you’ll qualify for income-based cost-share options that reduce the price of your plan. Yes, cheap (or even free!) health insurance is a real option, and it makes life so much easier. Without it, you’ll be on the hook for any surprise medical expenses. No, thank you!

As for the cons? Well, there really aren’t any. If you aren’t eligible, you can move on to other, more options, like continuing health insurance from your prior employer through COBRA. You can also look into short-term health insurance plans to hold you over until open enrollment rolls around again.

Ready to sign up for Special Enrollment? It’s easier than you think

A Special Enrollment period is a perfect opportunity to get the coverage you deserve. In some cases, you might even qualify for Medicaid. Find out your options in three easy steps.

1. Fill out your information on HealthBird’s streamlined registration page.
2. Review a list of curated plan options based on your income, insurance needs, and priorities
3. Enroll, providing documentation of your Qualifying Life Event.

Applying for a Special Enrollment Period is easy with the right tools, and HealthBird is the best one around. HealthBird does all of the hard work for you, saving time at every step of the process. Try it today, or reach out for more help.

If you’re prone to procrastination, freeze. Don’t move a muscle until you read this. From one procrastinator to another, signing up for medical health insurance plans is one thing you shouldn’t put off. For most people, the only time of year that you can sign up for health plans is during the annual Open Enrollment period. Open Enrollment ends on January 15th in most states, (you can check your state’s deadline here)  so rip off the bandaid and check out your options. Just trust us on this one.

Being proactive about health insurance pays off

The biggest reason not to wait is apparent: You might miss your chance to sign up for Obamacare and have to wait an entire year for another shot. The implications of that are significant. Any doctor visits, from regular checkups to a trip to the ER, will result in a soul-crushing bill. The average cost of an ambulance ride is about $1,200. Not sure about you, but we’d prefer not to have to Uber to the hospital. If you’re prescribed medication, you’ll have to pay full price for that too.

Let’s say you don’t miss open enrollment. Instead, you wait until the very last minute to enroll. (Been there, done that!) If you wait to sign up for a medical health insurance plan, you’ll have to make a snap decision. You won’t have enough time to review your options carefully. If you have questions, you won’t have time to get answers. You also may miss out on getting to visit the healthcare providers you like the most. Any health coverage is better than none at all, but if you give yourself more time, you’ll be able to choose a plan that best supports your healthcare needs on a budget you can afford.

If you miss open enrollment, it may not be too late

We can’t make any promises, but in some cases, there are exceptions to the open enrollment rule. If certain life changes or circumstances apply to you, you may qualify for a Special Enrollment Period. Open enrollment only happens once a year, but it’s possible to lose coverage in the middle of the year.

Special Enrollment Periods give people the opportunity to stay covered if something affects their previous health coverage. If you have a qualifying life event, you must apply for special enrollment within 60 days.

There are many changes that qualify, but these are a few of the most common:

• Getting married or divorced
• Having a baby or adopting a child
• Moving to a different ZIP code
• Losing eligibility for your current health plan

If you were enrolled in the wrong plan by mistake due to misinformation, technical errors, or incorrect plan details, you may qualify for a Special Enrollment Period as well. For more details on which events and circumstances qualify, read this in-depth overview, or fill out a Special Enrollment Period application to find out for sure if you’re eligible.

Before you decide to go without health coverage, let’s review the pros and cons

When you’re feeling fine, enrolling in a health insurance plan can feel like a waste of money. It’s not. The benefits of being insured far outweigh the drawbacks.

Pros:

• Enroll early, and you’ll have plenty of time to pick the right plan
• Health coverage is way more affordable than most people realize
• Many services are included free with health insurance plans, like diabetes screenings, cancer screenings, and diet counseling
• You’ll have to pay a small fraction of the cost of preventative doctor visits, urgent care, emergency medicine, medical procedures, medication, and pretty much anything else health care related
• If anything major happens to your health (knock on wood), at least you won’t go bankrupt!

Cons:

• It’s not completely free. Most people pay a monthly premium, plus deductibles and copays.
• Signing up is mildly annoying.

We can’t think of any more cons. We tried. Enrolling isn’t a party, but it’s way easier than most people realize. Enroll with HealthBird, and you’ll have a list of customized health plan quotes in a matter of minutes. Just answer a few easy questions, and you’re good to go. HealthBird members also have access to a growing list of tools to help them manage their health. They’re completely free to use, with no annoying in-app purchases or hidden fees. You’ll pay the same low price for coverage as you would if you shopped for a health plan elsewhere, only with less confusion, less stress, and more support.

The short version? Quit procrastinating and check “sign up for health insurance” off your list.

You can thank us later.

Why the enrollment period is so crucial not to miss?

When you buy a car, you can buy insurance anytime. (Just as long as you don’t get caught driving without it!) Health insurance works much differently. Open enrollment for health insurance is only offered once a year for a short period of time. For those who get insurance benefits through their workplace, open enrollment usually happens in the fall. Employers have some say over when open enrollment for the company is offered, so they’re responsible for notifying staff members in advance.

For those who buy their own health insurance, the open enrollment period starts on November 1. This year, the window to enroll has been extended through January 15th, so everyone has a little more time to choose a plan. You could wait until the last minute, but why would you? Choosing a plan is way easier than it seems, and if you start now, you’ll have more time to weigh your options.

So what happens if you miss it?

The answer isn’t great: You’ll likely be without health insurance for the rest of the year until the next open enrollment period. The only way to get health insurance outside of the open enrollment window is if you have a qualifying life event.
These include:

• Loss of existing health care coverage, like a plan provided by your school or employer
• Loss of eligibility for state-funded programs, like Medicare or Medicaid
• Losing coverage through a parent or guardian’s plan due to turning 26
• Getting married or divorced
• Having a baby or adopting a child
• Having a death in the family
• Moving to another city

If none of those apply to you, you’re out of luck. Depending on which state you live in, you might get slapped with hefty fines, too. The Affordable Care Act is no longer enforcing tax penalties for not having insurance, but states can still opt to fine residents for going without. California residents, for example, can be fined at least $850 for a single adult without insurance.

In addition to fines, not having insurance is like playing with fire. If you happen to fall seriously ill or get injured, you’ll be on the hook for all your medical bills. Considering that just the ride to the hospital can cost about $1,200, it’s not worth the risk.

If you do miss open enrollment, check first to see if you have any qualifying life events. If not, check if you qualify for Medicaid. The elderly, people with disabilities, pregnant women, and anyone earning below a certain income level are eligible, and you can enroll in Medicaid at any time. If you apply for it during open enrollment and are notified that you’re ineligible, you’ll have 60 days to enroll in a different health plan.

If all of these options fall through, consider signing up for a short-term health insurance plan.  This provides members a temporary option to bridge the gap until the next open enrollment period. Concierge medicine that offers online appointments, faster appointments, and no copays can also serve as a temporary option. Concierge medicine doesn’t cover hospital visits and surgeries, however. Even if you join a concierge plan, it’s important to enroll in a conventional health plan as soon as possible.

Look at open enrollment as an opportunity to revisit your health plan

Even if you have insurance now, open enrollment gives you a chance to reevaluate and pick a plan that fits your needs this year, not last. For example, if your allergies have gotten out of control, a PPO plan will give you the flexibility to see any allergist you want. If there’s a particular primary care doctor your best friend adores, now’s your chance to make a change. Change is good! Instead of seeing open enrollment as a stressful experience, see it as an opportunity to take great care of yourself this year.

Getting insurance is cheaper and easier than it used to be

Thanks to the American Rescue Plan Act of 2021, some people who previously didn’t qualify for assistance in paying for health coverage are now eligible. Almost everyone qualifies for additional tax credits. In effect, health insurance premiums are lower across the board, and will stay that way through at least 2025.

Ready to get your health care needs squared away for this year? Let’s check that box off your to-do list. HealthBird makes it a breeze to compare your best options. Instead of skimming through confusing plan descriptions on your own, just answer a few questions, and our exclusive algorithm will generate a list of quotes that fit your needs to a tee.

Register now and try it out for yourself!

Need more help? Don’t sweat it. Call us +1 (833) 384-2473, and one of our experienced insurance experts will help you make an informed choice.

Health insurance plans are grouped into metal tiers. Each metal tier represents how you and your insurance provider will split the costs of medical care. At the end of the day, selecting the right one comes down to which one works the best for you.

What to know before picking a precious metal

Before you start shopping for health insurance plans, go through this quick checklist:

1. Review how much you’ll make this year

Those with a tight estimated yearly household budget may qualify for state-sponsored subsidies to help make your medical expenses more affordable. For example, If you’re between 100% and 250% of the federal poverty level and choose only a Silver plan, you may qualify for additional tax subsidies to help reduce out-of-pocket costs like deductibles, copays, coinsurance, and annual maximums in addition to receiving premium tax credits.

2. Think about how much care you expect to use

Consider your age, health condition, and prescription medication needs. If you know you’ll be visiting the doctor often, springing for a more expensive plan is likely worth it.

3. Read up

Learn about how insurance plans work, including the differences between premiums, deductibles and copays.

4. Consider which providers you can’t live without

Make sure the insurance network you go with covers them. HealthBird makes this part a breeze.

Bronze, silver, gold or platinum? What’s the difference?

Most health insurance companies offer plans structured in metal tiers, from bronze to platinum. The more valuable the metal, the more coverage is included. The percentage of total average costs for covered benefits is known as the plan's actuarial value. If a plan advertises an actuarial value of 80%, for example, you’d be responsible for paying an average of 20% of all covered benefits.

The figures aren’t exact, varying from year to year depending on which services you use, but it provides a solid estimate of how much you can expect to pay for care. Typically, policies are structured with the following coverage:

• Platinum plans: 90% coverage, you pay 10%
• Gold plans: 80% coverage, you pay 20%
• Silver plans: 70% coverage, you pay 30%
• Bronze plans: 60% coverage, you pay 40%
• Catastrophic plans: Similar to a bronze plan, only with even lower premiums

Different insurance companies may offer slightly different percentages in each tier, but you get the idea. Just read the details of any plans you’re considering to see the exact breakdown. Keep in mind that metal tiers do not relate to the quality of care, but the cost of care. You’ll get the same care with a silver plan as with a platinum plan– You’ll just pay more out of pocket.

If a platinum plan offers the most coverage, why doesn’t everyone choose it?

Plans in higher metal tiers offer better coverage, but they also cost more per month. The monthly premium of a Gold plan is higher than that of a Bronze plan, but you’ll pay less at the doctor’s office when that pesky cold turns into a nagging sinus infection. The most expensive plan isn’t always the best fit, however. There’s nothing wrong with choosing a lower-tier plan with a lower monthly premium, as long as you plan ahead for higher medical expenses when you do need care.

Silver plans are known as the “benchmark” option because of their moderate monthly premiums and moderate costs when you need care. If you want to qualify for cost-sharing reductions, like reduced deductibles, copays, and coinsurance, you must choose a silver plan.

In a pinch, a catastrophic health plan is way better than nothing

Way, way better. Trust us. Catastrophic health insurance plans, also known as minimum coverage plans, are like the secret fifth option outside of the traditional tier system. They’re designed to protect young people in good health from worst-case health scenarios. They have the lowest premiums of all, and they have bare-bones coverage, but they’ll keep you from getting crushed by an avalanche of medical debt if you get seriously ill.

The exact coverage varies from state to state, but a common coverage breakdown looks something like this:

• Three no-cost doctor or urgent care visits
• Free preventative care
• No additional covered services until you spend thousands out of pocket, after which all in-network services are covered at 100%. The deductible varies from plan to plan, but most catastrophic plans require you to spend at least $5,000 before services are covered

These plans are usually available for people under the age of 30, but if you’re 30 or over, you can buy catastrophic coverage if you have a state-approved exemption. That said, it might be better to consider a bronze plan instead. The premium of a bronze plan is often similar to that of catastrophic coverage, and your deductible is usually lower with a bronze plan. You might also qualify for a cost reduction on a Bronze plan if you meet certain income requirements, while no discounts are offered for catastrophic plans.

What are the costs of each health plan?

Any plan you choose will have a monthly premium. Thanks to the American Rescue Plan Act of 2021 and the Inflation Reduction Act of 2022, monthly payments will reach record affordability this coming year. New financial assistance with premiums means that 4 out of 5 people will be able to find a plan for $10 or less per month. Wow! If you qualify for a premium tax credit — also known as a premium subsidy — this financial assistance will reduce your monthly bill.

The total costs of each plan will depend on what kind of plan you choose and how much you access care. Your monthly premium for the coverage year remains the same unless you have a change known as a qualifying life event. Beyond your monthly premium, there are other out-of-pocket expenses including deductibles, copayments and coinsurance.  You can get all the details on the differences in our previous journal post.

Once you hit an annual limit, known as the out-of-pocket maximum, all covered services will be paid 100% by your insurance provider. This year’s marketplace plans, the out-of-pocket maximum is $9,100 for an individual and $18,200 for a family.

Not sure which plan to choose? It’s about to get a whole lot easier thanks to HealthBird

As a rule of thumb, if you use your health benefits frequently or have a pre-existing condition, springing for a higher-tier plan is worth it. If you only go for an annual physical unless you’re on the brink of death, a lower-tier plan may be a better match.

Step 1: Make a HealthBird account. It’ll only take a few minutes, we promise.

Step 2: Answer a few easy questions, and let our insurance search AI, Costa, do its magic. It’s like a virtual assistant available 24/7, and it’s free.

Step 3: Review your insurance quotes and weigh your options. You can always save your quotes for later if you need time to think them over.

Step 4: Reach out for help if you’re on the fence! Our concierge team is available seven days a week to point you in the right direction.

Step 5: Buy a plan, and get coverage this year. Plans starting as low as $0/month*. It’s that easy.

Step 6: Manage your coverage and care from your smartphone, all in the intuitive HealthBird app.

It’s that easy. To try out HealthBird, make an account in minutes, or contact us with questions.

** Individual exchange plans only if you qualify. Not an actual consumer quote. Premium rates vary based on state, income, and family size. Additionally, subsidies are subject to qualifications based on factors including but not limited to your state, household income, and household size. Policies have limitations and exclusions. Reflekt Technologies, Inc., DBA HealthBird, This website is operated by Reflekt Technologies, Inc. (DBA “HealthBird”); and insurance brokerage services are provided through Insurance Bird, LLC of Florida (“Insurance Bird”); NPN: 20422094

Everyone knows going without health insurance isn’t a great idea. (It’s also technically illegal, so there’s that.) So why does it have to be so insanely confusing? HMOs, PPOs, tier systems…what does this nonsense even mean? Is an insurance agent required? What’s an insurance marketplace? Do not feel bad if it seems overly complicated and confusing. We were confused too, so we put together the list below to break it down.

Before you start shopping, let’s clear up a few things

1. What the heck is a health insurance policy, anyway?‍

Simply put, a health insurance policy is a contract with a health insurance company. You promise to pay a certain monthly amount in exchange for payment or reimbursement for your health care expenses. Insurance usually covers some services in full, like annual health screenings. You’ll have to pay a portion of the cost of medication, tests, procedures, and specialist visits, but not nearly as much as the services would cost without insurance. For more details on plan types and what costs you can expect, check out our previous journal post covering just that.

2. What are health marketplaces?

Health marketplaces are state-based websites that provide insurance plan options based on your income and circumstances. If you sign up for insurance through Healthcare.gov or your state’s health insurance marketplace, you can find out whether you’re eligible for savings on your next plan.
Health insurance marketplaces aren’t a bad thing. The only downside of shopping for insurance on a traditional marketplace is that you’ll have to read the details of every plan in your price range to see if the coverage is enough for your needs. It can be an overwhelming experience for a non-professional: to weigh all pros & cons of each plan to make a final decision.

3. Why is buying directly from insurance companies a bad idea?

Buying insurance through a marketplace is called buying an “on-exchange” plan. An off-exchange plan is an option, but it’s not a very good one. This happens when you buy a plan directly from an insurance company, like Anthem Blue Cross or UnitedHealth. The benefits will be the same, but because it isn’t processed through a state-based marketplace, you might not receive any savings that you may be eligible for. This might mean to compare simultaneously dozens of plans directly on the insurance company’s website and on the marketplace. Just too much hustle.

4. Gold, silver, platinum…what does insurance have to do with metal? ‍

Nothing, really! The metal tiers are simply used to indicate how much coverage a health insurance policy offers. The more “expensive” the metal, the more coverage is included. A gold or platinum plan will pay a higher percentage of your medical expenses than a bronze or silver plan.

Each tier has pros and cons. If you plan on seeing lots of specialists, or if you have several medications that aren’t covered by cheaper plans, a gold or platinum plan is worth the extra expense. If you primarily use your insurance for wellness visits and emergencies, a lower tier plan may be just fine.‍

5. What is a health insurance quote?

Before you sign up for a policy, you’ll get to see a breakdown of what each plan offers and how much it will cost you. This is called a quote. You don’t have to commit to buying insurance to check your options, so compare at least a few before enrolling in a new policy.
Keep in mind: more isn’t always better. I mean, why would you pay for a Netflix family plan if you’re the only one watching, right? In case you go to the doctor frequently, then yes, a more expensive plan makes sense. You pay more upfront but will pay less for the services after. Cheaper plans equate to more financial risk if you do get sick, but for people who are young and healthy, the extra expense of pricier plans may not be worth it.

6. Is it easier to shop through an insurance agent?

The short answer: No. At first glance, it sounds like a dream. You talk to a real person, and they tell you exactly what plan you should sign up for. They even handle the signup process for you. What’s the problem? Well, insurance agents don’t work for free. They’re paid a commission by health insurance companies, so they’re likely to push you towards options that will land them a bigger check. Even if it’s a more expensive policy than you need. Hard pass. They also don’t represent every insurance company, so you may miss out on an amazing plan just because your insurance agent doesn’t offer it.

7. Where should you purchase a health insurance policy?

Well, let’s look at the options. With an insurance marketplace, you’re eligible for savings, but you also have to sort through all the plans on your own. That takes time. An agent will save you time, but you’ll likely end up spending more money. Then, you have HealthBird. Think of us as your unbiased assistant. We’re like an insurance marketplace that helps narrow down your options for free. You call the final shots; we just do some of the heavy-lifting.

How HealthBird makes it so much easier to shop, buy, and track your health coverage

HealthBird doesn’t make decisions for you. Our game-changing Costa AI is designed to assess your needs and sort through available plans for you. It saves tons of time, and with no additional cost. Our Costa AI can:

• Analyze over 100 health insurance plans from the 18 states HealthBird currently covers, saving hours of research time*.
• Eliminate the bias of human insurance agents, who love to upsell customers on plans they don’t really need
• Offer instant quotes to compare. Need more time to think over your options? No worries. You can come back later to review your quotes, and the rates won’t change a bit.
• Ask questions that actually matter. For example, Costa takes into account parameters that are important to you, like the number of doctor visits you usually need each year, or which medications you take. We analyze not one, not two, but 16 different parameters to help you find the perfect plan. Guess how many parameters healthcare.gov considers? Six. If their site challenged us to a fight, we’d stand down, because it just wouldn’t be fair.
• Simplify the entire enrollment process. When you pick a plan, you’ll fill out your information one time. That’s it. No more paperwork. (We hate paperwork, so this is our favorite feature.)
• Make your insurance shopping experience easy and fun. The seamless, modern app design is intuitive and easy enough for your 90-year-old grandpa to use.

What’s the catch? Oh wait, there isn’t one.

HealthBird is like the Match.com of health insurance shopping, minus the awkward first dates. (Plus, we’ll never ghost you!) Instead of getting a policy that gets an agent the biggest check, or wasting hours staring at confusing insurance jargon before giving up and picking a random plan just to be done with it, you’ll get a policy you’ll actually use, for a price you can afford.

Questions? We’re all about helping our members make educated choices about their health, so feel free to reach out if you need additional help via our social media channels or Live chat on the website.. We’ve been there!

*Based on the area code the number of insurance plans analyzed for a certain filter may vary.

Do you smell that? It’s not just pumpkin spice. Every fall, health insurance open enrollment rolls around. This year, open enrollment starts on November 1st, and ends on January 15th. After that 45-day window, you can only enroll under special circumstances, like having a new baby or losing health coverage from your employer. Since it’s not easy to switch plans on a whim, it’s worth planning ahead to make sure the plan you select fits your family’s needs the first time around.

We’re going to level with you: All that complicated insurance jargon is confusing, and making sense of it is a royal pain. We get it. To help, the following is a comprehensive guide to help you make an informed decision. If you sign up for insurance this November on the HealthBird website, our ingenious algorithm will make it so much easier to narrow down your options. Plus, if you enroll by December 15th, you can get coverage that starts on the first of the year. What better way to kick off New Year’s than by taking care of yourself?

It’s wise to understand the basics of health coverage before you enroll. Take a deep breath, pour yourself a glass of wine and relax. You’ve got this. Just keep these seven factors in mind, and the next plan you pick will fit like a glove.

What are HMOs and PPOs, and which to choose?

There are two main types of health insurance plans: HMOs and PPOs. The short version? If you’re a creature of habit who’s gone to the same doctor for years and has no serious health issues, an HMO is just fine. If you’d prefer to be able to go try that physical therapist you’ve been meaning to see without getting a referral, a PPO is where it’s at.

With an HMO, patients can only see care providers within a certain network for services to be covered. They also need a referral from their primary care physician to see a specialist. With a PPO, patients can see any doctor they want, including specialists. Even with a PPO, it’s cheaper to see a doctor within your network. PPOs typically have higher premiums than HMOs, but for members who need specialized care, it’s often worth the upgrade.

Preferred Provider Coverage

Already have a favorite doctor or dentist? Before you sign up for a new plan, make sure that your preferred health care providers, pharmacies and hospitals fall within the plan’s network. Even with a PPO, out-of-network services are pricier, so it’s best to choose a plan that includes the doctors you already see. HealthBird makes it easy to find plans that cover your preferred doctors. Just specify your favorite care providers, and our algorithm will make sure any recommended plans include them.

Premiums

A plan’s premium is the amount you’ll pay every month for your insurance plan. This amount is billed regardless of whether or not you use any healthcare services. It works like an AppleCare membership: You pay a little every month, but if you drop your phone, you’ll be glad you signed up.

Even if your health plan’s premium is higher than you’d like, it’s much less expensive than paying out of pocket if you need a trip to the E.R. If you choose a plan with a lower premium, there’s a tradeoff. It’ll be cheaper every month, but you’ll pay more when you see your doctor or fill a prescription.

Deductibles

Most preventative services, like annual checkups, vaccines and cancer screenings, are covered at no additional cost. For specialist visits, procedures and certain prescriptions, you’ll have to pay a certain amount out-of-pocket until your coverage kicks in. If you choose a plan with, say, a $1,000 deductible, your insurance provider won’t pay for most expenses until you’ve paid $1,000 yourself. The higher a plan’s deductible, the lower the premium, and the lower the plan’s deductible, the higher the premium.

Check if the plans you’re looking at have a combined deductible for both medical and pharmacy services, or if the deductible for prescription medications is separate. That way, you’ll have a clear idea of how much you’ll have to pay for medications before they’re covered.

Wait, you might wonder. I have to pay hundreds every month, and everything’s still not covered? Yep. In a perfect world, everyone would get complete health coverage without worrying that falling ill might lead them to financial ruin. Sadly, the cost of getting an IV in the U.S. can be up to $500. $500 for a bag of salt water. It’s nuts, but it’s also the reason why having to pay a deductible and monthly premium is still way better than going without insurance at all.

Co-pays

Even after you meet your plan’s deductible, you may be required to contribute a certain amount to access care. A co-pay is a flat fee you pay for prescriptions and services even after your deductible has been met. The amount is usually listed on the back of your insurance card. For example, you might pay a flat fee of $35 for every visit to urgent care, and $50 to visit the ER.

Instead of charging co-pays, some plans charge coinsurance. It works similarly, except instead of a flat fee, you’ll have to pay a percentage of the cost of each service or medication. Many people prefer plans that rely on co-pays rather than coinsurance since you know exactly how much you’ll spend for each visit even if your healthcare needs change.

Medication Coverage

Do you take certain medications that would be crazy expensive without coverage? Check out your potential insurer’s list of covered medications to make sure your prescriptions are covered. If they’re not, you’d have to appeal to obtain coverage. The process can take months, so it’s better to choose a plan that already covers your meds.

Medications are typically divided into tiers. Each tier has a different out-of-pocket cost. To get a clear idea of how much you’ll have to pay for your current medications, write down all your prescriptions and compare them to the plan’s list. It’s like keeping track of your Netflix, Hulu, and Amazon Prime subscriptions, only way less fun. (Pro-tip: Making popcorn while you do it helps).

Family Plans

With each additional family member on your insurance policy, your monthly premium will go up. That’s because the head of household is charged for each individual covered by the plan: More people = a higher premium. Some insurance plans offer discounts for family health plans, but most do not. Still, having your immediate family on a single health plan is much more convenient than trying to keep track of separate plans for each family member.

Still confused? This open enrollment season, let HealthBird do the heavy lifting.

Our algorithm uses your answers to just a few easy questions to match you with localized plans that fit your needs. We analyzed 100+ plans already for you so you don't need to do any extra work.

And get this: Our AI is totally unbiased. It picks plans based on your interests, not on what an insurance agent wants to sell you. To get a headstart, become a member of our Early Bird program and be the first to test our platform when we launch this November 1st*.

Many people live, work, and play online every day, turning to advances in technology to improve their lives in countless ways. But one of the unexpected ways that new technology has made our lives better is through health insurance coverage and availability.

Why is Health Insurance Important?

One of the unexpected ways that new technology has made our lives better is through health insurance coverage and availability. For many people, good health is taken for granted. When big or unexpected medical expenses arise, however, having quality health insurance is indispensable. Even those in perfect health can improve their wellness with the right policy. Today’s advances in technology make accessing and benefitting from coverage one of the best and easiest ways to ensure good health for a lifetime.

For most, though, health insurance is used regularly to maintain and confirm basic health through checkups or wellness visits to catch small problems before they become bigger, more costly ones.

Financial Benefits of Health Insurance

The most obvious benefit of health insurance is financial. When a large medical expense occurs like surgery, a battery of tests or a life-changing diagnosis, having good medical insurance coverage can mean the difference between financial ruin and the ability to focus on getting better. For most, though, health insurance is used regularly to maintain and confirm basic health through checkups or wellness visits to catch big problems early enough to ensure a good outcome.

Can Health Insurance Increase Wellness?

Many policyholders want to improve their health outside of the doctor’s office, and that’s a great approach to take. Preventative care goes a long way, including self-care. Many plans now offer reduced or free access to fitness and nutritional programming as part of their coverage. In addition, yearly well visits to medical providers are covered or provided at a low cost with most insurance policies. This boosts wellness through prevention and early intervention, as well as by empowering individuals with the info they need to take charge of their own health.

Signing up for insurance is easier than ever. Companies regularly utilize online portals for patients to fill out the sometimes-lengthy paperwork required for initial sign-ups.

Choosing the right coverage can be challenging for some, especially those with unique situations or medical histories. Many citizens choose to utilize insurance coverage through their job or school, and with the advent of online registration, accessing and monitoring your own health records has become much simpler. Governmental sites like HealthCare.gov simplify the process with a one-stop portal to clarify choices for those without coverage.

Additionally, online insurance portals often provide policy information, access to medical provider lists, and even details of medical claims at the push of a button for covered policyholders. These new technologies have come a long way, and purchasing insurance is much easier than it used to be. Still, it’s not a perfect system…Yet.

Technology and Insurance: Improvements and Challenges

While many citizens are comfortable with living, working and playing online, other people aren’t used to navigating an online world. Luckily, advances in how this technology looks and feels for users can make healthcare and insurance more accessible than ever. With HealthBird, everything about healthcare is made easier, including:

• Healthcare Records – Patients can access their own medical records without having to request them from an office.
• Eligibility Checks – Automated checks can be performed online making treatments easier and quicker.
• Billing – Streamlined processes make understanding your bills easier.
• Reduced Errors – Automated actions mean fewer human errors.
• Increased Accountability – Technology makes it easier for medical professionals to comply with regulations, making it easier to provide quality care.
• Data-Driven Decisions – Sometimes, technology may provide data that shows certain coverage may not be beneficial for a provider or a policyholder. Quick, reliable data can help clarify policy options for every member.