How to Avoid Problems with a New Insurance Plan

Every year, many people like you take the opportunity during the Open Enrollment period to make changes in their insurance. If you made changes, there are a few things you can do now to avoid problems getting started with your new plan.

1. If you are dropping any insurance coverage including Medicare Supplements, Vision or Dental coverage, make sure you have cancelled you coverage with your insurer. Your insurance may not be automatically cancelled when you switch plans. Although some companies will cancel and make changes over the phone, others require a written request so give your insurer a call and ask what they require.

2. Cancel your automatic withdrawals for your old plan. I recommend you cancel your withdrawal with the insurance company and then follow up with a call to your financial institution to make sure the automatic withdrawal is stopped.

3. Tell your doctor that you have different insurance. If your doctor unknowingly files for reimbursement with the wrong insurance company, it will cause confusion and delays in payment. Let your doctors know about your new plan the first time you see them in 2018.

4. Check your Prescription Drug coverage to find out which pharmacies are the preferred pharmacies for your plan. If it is a different pharmacy than the one you have been using, arrange to transfer your prescriptions now so they have your information ahead of time. You should also present your new insurance cards to your pharmacy before you need your next prescription. Don’t wait until you need a refill or have an emergency before you make this change.

5. Determine whether your new plan has different requirements for your prescriptions. Some plans may require a pre-authorization before your prescription will be filled. Take steps ahead of time to let your physician know what is required by your new plan.

For your other questions on Life, Health, Dental, Vision, Annuities or Medicare Advantage Plans, please contact me at 440-255-5700 or email Lmutsko@mutskoinsurance.com.

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