Intro:
Choosing the right health insurance plan is one of the most important financial decisions you make each year. Unfortunately, many people fall into the same traps—leading to higher costs and less coverage than expected.
Body:
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Only Looking at Monthly Premiums: A low monthly payment may come with high deductibles or limited coverage.
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Not Considering the Network: Always check if your preferred doctors and hospitals are in-network.
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Ignoring Prescription Coverage: Make sure your medications are included in the plan’s formulary.
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Skipping the Fine Print: Important limitations (like rehab stays or specialist visits) may not be obvious upfront.
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Missing Open Enrollment: Outside of special circumstances, you can only make changes during open enrollment—don’t miss it!
Conclusion:
Take your time, compare options, and ask questions. Avoiding these common mistakes can save you money and ensure you get the care you need when it matters most.
