HEALTHY LIFE
LENTY OF THINGS COME TO MIND when we think of fall, but it is also the time of year for open enrollment, which gives people the opportunity to reevaluate their health insurance plans, explore other options and ultimately, choose a plan that aligns with their health care needs. “Open enrollment is essentially your one chance to make sure that you’re covered the way you want to be covered,” says Anil Keswani, MD, chief medical officer, ambulatory and accountable care, Scripps Health. “It’s when people make decisions on which insurance plan and coverage they want, and oftentimes this impacts the ability to select a specific physician, medical group or health system.” Open enrollment periods can vary depending on what kind of coverage you have, but in general, fall between late October and early December for employer-sponsored coverage. Medicare beneficiaries can make changes between October 15 and December 7, and Covered California participants can review their plans from November 1 through January 31. Your health care needs change throughout your life, but regardless of age or stage, there are a few things you should consider when making your picks for the year ahead. Cost and coverage are usually at the top of the list, says Dr. Keswani. Each plan has different benefits, so pay attention to things like copays, coinsurance, prescription coverage and out-of- pocket maximums. Equally important, if not more so, is which groups or hospitals are included in the plan. Look for a health system like Scripps that has a reputation for medical excellence and top-quality care. “If someone’s picking a health plan, look for one that includes Scripps Health, an organization that has proven outcomes for quality, safety and patient experience,” says Dr. Keswani. “Our health is probably our most important thing. People think cost is important, but health really matters. It’s important to take a little more time, do the homework and pick a health plan that’s important to you and that meets your needs.” Open Enrollment: Make Sure Your Health Plan is Right for You P
YOUR HEALTH PLAN FIT TEST Tips to choose a health plan at any—and every—age
Choosing a health plan doesn’t have to be hard. Your health care needs change during different stages of life, and age can be a good place to start when deciding what type of health insurance you should have. Whether you are enrolling in coverage for the first time, thinking of starting a family or transitioning to Medicare, there is a right plan for you. These tips will help you evaluate your needs. 26+ Transitioning into adulthood comes with many big decisions, and insurance is one of them. Aging out of your parents’ plan means you’ll be shopping for a new one that caters to your needs as a young adult. Since people in this age group are likely just starting out in their careers, cost is a big concern. But it’s important to choose a plan that fits your budget and provides what you need in terms of taking care of your health. Your health is worth the investment. “Be proactive, not reactive, because things can happen at any age,” says Dr. Keswani. “I empathize with the importance of balancing your budget when you’re
4 SAN DIEGO HEALTH | FALL 2023
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