8 Time Saving Tips When Registering For Obamacare
2014 has brought about a major change in the healthcare industry: The Affordable Care Act. The Affordable Care Act, which is sometimes referred to as Obamacare, is a widespread plan that is aimed at making healthcare affordable and accessible to all Americans.
When registering for Obamacare, there certain ways that you can make the process as quick and simple as possible. Here are ten tips on how to make registering for Obamacare a faster and easier process.
1. Have your tax documents and pay stubs handy.
You will likely be asked information about your income and should have all recent pay stubs ready. If you are filing with your spouse or for dependents as well, make sure that you also have their information.
2. Consider Whether You Have Any Other Sources of Income
Alternative sources of income will be factored into the total income that is considered to determine your health insurance subsidy. If you have income from a property or benefits, be prepared to report how much it is.
3. Know What You Need From a Plan
After you register on the site, you will be presented with a variety of plans, each of which will be slightly different. Assess your health care and your medical billing needs so that you know which plan will best suit you. If you are a person who does not generally go to the doctor much, you may want a plan with a lower premium and a higher co-pay, for example.
4. Decide Whether You Want a PPO or an HMO
One of the things that differentiates one plan from another is whether it an HMO or a PPO. What type of plan you will want will depend on your schedule and the type of health care you anticipate needing. An HMO plan means that you will have a doctor who is designated as your primary care physician.
This is the person will be selected from a group of physicians in your insurance network and is the doctor you will go to with any medical questions or issues. In the event that you need a specialist, your primary care physician will refer you. A PPO offers you more flexibility in terms of which doctors you may visit, but may have a higher premium.
5. Know How Much You Can Afford to Spend on Health Insurance Each Month
After you enter your financial information, you will be presented with a number of options at different price points. Knowing how much you can spend on insurance will speed up the process of choosing a plan.
6. Write Down Your Password and Username
You will be required to set up a profile in order to register for health insurance through Obamacare. Make sure that you note your username and password, as retrieving that information can be time consuming.
7. If You Have a Question, Use the Instant Message Customer Support
Because of the high volume of individuals attempting to register for Obamacare, the phone support system for your state’s insurance exchange may be quite jammed with callers. Waiting on hold can take a very long time. The Affordable Care website, however, features customer service representatives who are instantly available via instant messaging. This can be a much faster way of having questions answered.
8. Do Not Move Past a Step Until You Have Completed it Accurately
Revising information is possible, but the process of registering can be drastically delayed if there is an error in your application. Make sure that you have filled out all fields correctly and you can avoid delays due to errors or omissions that need to be amended.