With the enrollment period for health insurance now closed, North Dakotans need to better understand their plans to make the most of their coverage. It’s easy to overlook details, especially when it comes to separate services like dental and vision, which may not be included in your primary health plan.
Suzette Krapp, an insurance agent in Jamestown, emphasizes the need for clarity. She often works with Medicare enrollees and has noticed many assume they are covered for certain services when they aren’t. “Be careful,” she warns. “You really need to understand your plan and read the fine print.”
Krapp suggests that people should explore options from local independent agents, as they know how annual changes can impact choices. If possible, adding dental and vision coverage can save you from expensive bills later. Ensuring you have your insurance cards handy is also vital to avoid delays during appointments.
Despite the rise in digital health tools, some consumers are hesitant to use them. Amy Jordan, the vice president of consumer experience at UnitedHealthcare, points out that these tools can offer valuable insights. “Our app is becoming more integrated with data. It provides opportunities for users to better understand their plans,” she explains.
A recent poll by the PAN Foundation’s Center for Patient Research reveals a significant gap in understanding health insurance. About 70% of insured adults expressed uncertainty about navigating their coverage. Additionally, 25% wanted more education on understanding their out-of-pocket maximums and deductibles.
While it’s easy to feel overwhelmed, staying informed can help you make the most of your health insurance. A good grasp of your coverage not only helps you avoid unexpected costs but also empowers you to seek the care you need confidently.
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North Dakota News,How to maximize health coverage benefits
