Open Enrollment 2019: Health Insurance Tips for Working Moms

Why do working moms need health insurance? Because we can’t afford to lose one day of work just because we’re sick, and because we are moms! We work hard to sustain our family by not putting all our money into medical bills if we or our children suddenly get sick or injured. As mothers, we want to make sure we are financially capable if a health emergency strikes. All working moms should be well-informed about healthcare and the plans out there.

I want to make sure that my family is healthy, secured, and happy. Moreover, I need to concentrate on my own health to keep my family up and running. Working moms can get the most out of any health plan without the added stress. We just have to know where to get assistance and what our health needs are.

Here are FOUR simple, insider tips for moms about health insurance:

1. Find a trusted and licensed health insurance consultant within your area.

This is one of the health insurance tips that never fails. Your own personal consultant can answer all your questions professionally and accurately. Sure, comparing plans online is helpful, but talking personally with a licensed agent will give you the best, up-to-date information.

2. One you know what you need.

Don’t rely on someone else to tell you what specific coverage you need. You and only you can tell what levels of coverage you need, what your budget is, and what you are likely to want in the future. A good insurance agent/broker is only there to guide and assist you throughout the process, not to sell you something unnecessary.

3. Make sure you get a plan with your chosen health provider.

Each of us moms have our preferred pediatrician, dentist, and other physicians for the entire family. Always remember to check this first. Typically, a good insurance provider will help you confirm their list of in-network physicians, and will allow you to choose your own qualified provider.

4. Take the time to get to know the different health insurance programs available.

CHIP
The Children’s Health Insurance Program provides health insurance for eligible children (up to age 19) who are not insured. This health coverage offered is either free or low-cost, and covers U.S. citizens and eligible immigrants.

SSI
The Supplemental Security Income program pays benefits to disabled adults and children who have limited income and resources. In addition, SSI benefits also are payable to people aged 65 and older without disabilities who meet the financial limits.

OHP
The Oregon Health Plan (OHP) provides health care coverage to Oregonians with low income through programs administered by the Division of Medical Assistance Programs (DMAP). It is available to adults who earn up to 138% of the Federal Poverty Level (about $16,700 a year for a single person or $34,600 a year for a family of four). OHP is available to kids and teens (0-18) whose family earns up to 300 percent of the Federal Poverty Level ($50,200 a year for a family of two or $89,700 a year for a family of five).

Medicare
This is a health insurance program for people age 65 or older. However, you can qualify for medicare even if you are younger than 65, if you have a disability suffer from end-stage renal disease (ESRD).

Marketplace Insurance
Most people enroll in a marketplace health plan that covers essential health benefits and other healthcare services. You can get an affordable health coverage that perfectly fits your budget and lifestyle. The marketplace provides health insurance shopping and enrollment services through websites, call centers, and in-person help.

Employer Coverage
If you’re working and you think your job provides a health insurance that fits your needs, then you can have insurance through your employer. Moreover, your children may be able to stay on your health plan until they turn 26.

School Health Plans
Basic insurance for students is offered at some schools, be sure to check for it.

Open Enrollment for 2019 for marketplace plans runs from Thursday, November 1, 2018, to Saturday, December 15, 2018. Plan your health coverage now so you’ll get the best plan that suits you and your family in 2019. And don’t forget, local help is free! Happy shopping!