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Open enrollment is also the time to make changes to dental and vision insurance coverage if your employer offers that.

Your prescription benefits can change from year to year, so check with your insurance provider on an annual basis to make sure that you still have the coverage you expect. Some insurance companies will change the kind of medication they cover or the pharmacies where you can get your prescriptions at. It is important to be aware of these sorts of changes when you are considering re-enrollment. If you need medication on a regular basis and your insurance company no longer covers it, you need to find a new insurer.

See to it that you check with the doctors and hospitals you're comfortable with and make sure they accept the insurance you are considering. Simply check the insurance company website for a list of hospitals and doctors that are in the network of the insurance provider.

Health insurance policies often have loopholes or exemptions in them. Make sure you read the policy thoroughly, so there are no surprises about what it doesn't cover. Keep some money set aside in case you have to pay out-of-pocket for a medical procedure or prescription.

Read your policy to ensure you know exactly which prescriptions are covered and which are not. The list is updated annually, and if you take expensive prescriptions, you should ensure they're still covered before you re-enroll.

If you receive a telephone call from a health insurance provider during the application process, do not volunteer information. Answer only questions which are directly asked. Even if they are legitimate, the information you provide will be recorded and can be used to spike up the premium you pay each month.

Some companies charge extra if your spouse is covered under your health insurance when insurance is available at his or her place of employment. It may be cheaper to have two different policies through your employers, so add it up.

To sum things up, it is very important to make sure you are healthy as it is probably the most important thing in life. If you would like to be sure you remain in good health, get good health insurance. Use the tips featured above to help you to purchase a good health insurance policy that is right for you.

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