If you are under age 65, this is the time of the year referred to as “Open enrollment”. You will be able to enroll or change your plan for an effective date of January 1, 2017.

In the meantime, I have an opportunity to share with you some basics. Why you need health insurance, the cost, the coverage and the benefits and how to choose a doctor.

The first article that I’d like to share with you is called, “Helping you understand health insurance“. This covers the importance of health insurance starting with the basics, including the affordable care act.

The next article is health insurance costs. This will explain to you how to keep your costs down, how to get the facts on the premiums and how to control your out of pocket costs.

By law, every health insurance plan has to cover a few of the basics, called EHB or essential health benefits. There are 10 benefits and I have those for your reference by category.

And the final ones are referred to as, “Your benefits in action“. This entails choosing a personal doctor and knowing where to go an explanation of your benefits when to file your claims and pre-service reviews along with information on your ID card as well as what is referred to as your blue card.

I will be posting important dates for you going forward, so please stay in touch. If you have questions, I’m always here.