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Open enrollment for many employers is in full-swing and open enrollment for individuals in the Affordable Care Act marketplace starts Nov. 15. A new Kaiser Family Foundation study, released this week, shows that many consumers do not understand the basic terms and concepts of health insurance.
For example, nearly 40% of uninsured consumers don’t understand basic health insurance terminology and even fewer understand how to calculate the out-of-pocket costs of a hospital stay or out-of-network lab test.
The work of an independent insurance advisor is more valuable to the consumer than ever, said Dan Wyman, manager of the insured benefits division at Allen Insurance and Financial.
“Our staff specializes in health insurance. We can explain the differences in plans, right down to the smallest of details. We work with businesses, families and individuals every day to help them pick the insurance plans that best serve their needs,” said Wyman.
It doesn’t cost the consumer anything additional to have the advice of an insurance professional. And working with Allen Insurance and Financial means that when it comes to claims issues or questions during the plan year, an Allen advisor will be available to answer those questions, said Wyman.
Take the Kaiser Family Foundation’s health insurance quiz.
 

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