WHAT TO DO BEFORE OPEN ENROLLMENT BEGINS:
Open enrollment is coming! November 1st marks the beginnings of New Jersey’s open enrollment period. Cosmo Insurance is here to tell you what you need to do before joining a plan. Before open enrollment begins you need to:
OCTOBER 1 – NOVEMBER 1
Review your medical activity and expenses during 2017, and think about anticipated
medical expenses for next year.
Estimate your household income for 2018 if you think you’ll qualify for tax credits
or Medicaid.
Identify your list of must-have doctors, drugs, and medical facilities, if any.
Make sure these things are covered by any potential new plan.
Decide who needs to be on your plan.
Does it make financial sense for you and your spouse to
get a family plan?
Do your kids need to be on your plan, or can they get
coverage through another source (school, work, etc.)?
Gather personal ID numbers (SSN / naturalization # / alien # /visa
#) for everyone you want to include on your plan.
Research insurance companies and the plan types they offer
(EPO / PPO / HMO / POS).
Choose a metal tier (Bronze, Silver, Gold, Platinum or catastrophic) based on your
health and budgetary needs.
Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.
If you or your family reside in the Bergen or Ocean County area, call Cosmo to schedule a consultation today and learn your options. Cosmo goes beyond signing the dotted lines. We keep you up to date on your plan and help you with your medical bills.
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