Below is a list of seven steps you should take in order to prepare yourself to take maximum advantage of healthcare exchanges:
1. Research various types of healthcare insurance. This helps you select a plan through the Market plans that will offer the best balance of cost and benefits.
2. Write down all of your questions or concerns prior to selecting a plan. For instance, “Does this plan cover prescription medications?” or “Do I have to change doctors?” and "What if my health deteriorates in the future?" are all legitimate inquiries.
3. Be sure that you fully comprehend how insurance policies work. Get a good grasp of what copayments, deductibles, and policy limits are. Such details will be very important for comparison-shopping later on.
4. Begin collecting and compiling basic information about your family income. This information is necessary to insure that you receive the maximum discount you are eligible for.
5. Establish a budget. There will be a huge range of healthcare plans designed to meet varying needs and financial resources. Defining your maximum expenditure will help narrow down the options.
6. Ask your employer whether they intend to provide healthcare coverage. This is especially important if you work for a small business.
7. Explore current options. You might be able to obtain health insurance assistance right now through changes or programs that have already taken effect under new health care reform legislation.
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