What you should know when enrolling in health care - KFVS12 News & Weather Cape Girardeau, Carbondale, Poplar Bluff

What you should know when enrolling in health care

(Source: KFVS) (Source: KFVS)
CAPE GIRARDEAU, MO (KFVS) -

Open Enrollment is underway for the Affordable Care Act, some are facing big rate hikes - and fewer insurers to choose from.

Obamacare supporters say the law has helped around 20 million people to get health insurance.

Sorting through the coverages and costs can be confusing and whether you get insurance through Obamacare or the company you work for, experts say to do your homework before you start the enrollment process.

Gina Harper is a health care counselor.

"This year is going to look completely different," Harper said.

She said one of the biggest changes mostly everyone will see is an increase in premiums, especially if you plan to enroll through the Affordable Care Act.

"Prices are going up, yes," she said. "We've been told a twenty-five percent increase and that is right on for this area, that is what we've seen."

Harper said in some cases tax credits may offset some of those increases.

No matter where you get your health insurance, Harper said you really need to weigh out your options.

Remember, having a lower deductible means you'll pay more out of pocket at the doctor's office.

Harper said make sure the physicians and hospitals you prefer accept your insurance.

"A lot of policies have zero coverage," she said. "So if you accidentally just go to a different doctor or make an appointment with someone who is not, they may not take your insurance at all and you might end up paying one hundred percent of it."

While the process can be confusing, even frustrating, Harper stresses don't become complacent when it comes to you and your family's health.

"There's so many 'ifs' out there, but bottom line is it's personal to you," Harper said. "It's your personal health and I'm going to say take that time because you owe that to yourself to do that for you and your family."

If you plan on enrolling for 2017 Affordable Care Act, you have until December 15 to get online and apply or schedule an appointment at your local healthcare office.

Download the KFVS News app: iPhone | Android

Copyright 2016 KFVS. All rights reserved.

  • Trending StoriesTrending StoriesMore>>

  • 'In lieu of flowers, kill a drug dealer': Mother pens brutally honest obituary after son's suicide

    'In lieu of flowers, kill a drug dealer': Mother pens brutally honest obituary after son's suicide

    Friday, May 25 2018 8:57 PM EDT2018-05-26 00:57:08 GMT

    It's every mother's worst nightmare. On Thursday, April 12, Shawn Winkler shot himself in the head in the garage of his Leland family home. He died three days later at 30 years old.

    It's every mother's worst nightmare. On Thursday, April 12, Shawn Winkler shot himself in the head in the garage of his Leland family home. He died three days later at 30 years old.

  • Water moccasin invades home, puts family into action

    Water moccasin invades home, puts family into action

    Friday, May 25 2018 2:57 PM EDT2018-05-25 18:57:52 GMT
    This water moccasin entered a family's home. (Photo courtesy Krystal King)This water moccasin entered a family's home. (Photo courtesy Krystal King)

    An unwelcome visitor was cause for some tense moments and quick action in the King household Saturday morning. Krystal King says it was about 7 a.m. when Stephen, her oldest son, came into his parents' room to notify them about the "big snake in the bathroom."

    An unwelcome visitor was cause for some tense moments and quick action in the King household Saturday morning. Krystal King says it was about 7 a.m. when Stephen, her oldest son, came into his parents' room to notify them about the "big snake in the bathroom."

  • Police release body cam footage of I-95 shooting death

    Police release body cam footage of I-95 shooting death

    Friday, May 25 2018 11:21 PM EDT2018-05-26 03:21:37 GMT
    Marcus-David Peters was shot and killed by a Richmond police officer on Monday, May 14. (Source: Richmond Police Department)Marcus-David Peters was shot and killed by a Richmond police officer on Monday, May 14. (Source: Richmond Police Department)

    The Richmond Police Department released body camera and surveillance camera footage on Friday of the shooting death of Marcus-David Peters.

    The Richmond Police Department released body camera and surveillance camera footage on Friday of the shooting death of Marcus-David Peters.

Powered by Frankly