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WY health insurance experts: Everyone should check their plans

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Wednesday, October 23, 2024   

The enrollment period for Medicare is already underway and open enrollment on the Health Insurance Marketplace is about to begin.

Experts in Wyoming can help people navigate it all for free. Open enrollment is the time for people to sign up for 2025 health plans through the federal insurance marketplace, from Nov. 1 through Jan. 15. Those with Medicare can change plans through Dec. 7.

Stephanie McAuley, a navigator for Enroll Wyoming, said even people who do not intend to change their current plans should still review them, as costs can change.

"You could be paying $10 a month for a plan you have now in 2024," McAuley pointed out. "That plan could go up in cost substantially and then, surprise, you get a bill in January for $180 for the same plan."

Other considerations include wellness plans, mental health benefits and specialty benefits like dental, vision and hearing services, which traditional Medicare often does not cover. Wyomingites can dial 211 to reach a local enrollment navigator like McAuley at no cost.

People with employer-sponsored coverage typically select a plan between September and December.

Dr. Rhonda Randall, chief medical officer and executive vice president of UnitedHealthcare Employer and Individual, noted while health plan costs may have changed, people's personal circumstances may have changed too.

"Are your current benefit plans still meeting your health care needs and your budget needs and has anything changed with your plan?" Randall asked. "For example, is your doctor still in the plan? Is the medication you take still covered by the plan?"

Websites are available to explain unclear terms and concepts, including MedicareMadeClear.com and JustPlainClear.com.



Disclosure: UnitedHealthcare contributes to our fund for reporting on Health Issues. If you would like to help support news in the public interest, click here.


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