Help Me Make The Switch
Thinking about switching health plans or health carriers? Individuals and families can make a change during open enrollment. For 2015, open enrollment starts on November 15, 2014 and ends on February 15, 2015.
You can make a change at other times of the year if you qualify for a Special Enrollment Period. Getting married, having a baby or losing minimum essential health coverage are examples of events that qualify.
Eligible for Medicare? See your enrollment dates.
Get ready to make the change that works for you. Our informative guide will help make switching health insurance easy.
What To Do When Deciding On A Plan
When shopping for a new health insurance plan, you may want to look into your current coverage to see what you like and don't like about your plan. Take note of your yearly deductible, what percentage of your medical costs are covered, your current medications, how many routine doctor visits you make in a typical year, and any medical conditions that may require special equipment. All of this information will be helpful when deciding on a new health plan.
- Providers: Check your new plan's provider network to make sure your current doctors are included. This is especially important if you want to keep the same providers after you've changed plans. ProviderSearch
- Drugs: Make sure to check your new plan's drug formulary to make sure your current drugs are covered. Not all health plans cover the same drugs, so make sure you know which are included in your plan. You may also want to see which tier your drugs fall into in order to get a better idea of what your payments will be like.
- Step Therapy Requirements: Depending on the type of drug, some health carriers require that members try an alternate drug before they agree to cover the requested drug. If you are currently taking prescribed drugs, make sure to check the new plan's step therapy requirements.
- Medical Procedures: If you have scheduled medical procedures, check the new plan to make sure it will be covered. You should also see if your procedure requires a waiting period.
After You've Enrolled In A New Plan
Once you've decided on a new health plan, you will want to cancel your existing policy.* Make sure to request a written confirmation of cancellation for your records.
You will also want to refill any existing prescriptions. This will ensure you don't run out should there be a lapse in coverage.
*If you have insurance through the State Health Program Medi-Cal, you can easily switch plans by filling out a Health Care Options choice form. If you would like assistance with the form, please call our friendly Health Net Enrollment Services team at 1-800-327-0502.