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Healthy Living

This open season, is that really the health insurance you’re looking for?

With the 2022 health insurance open enrollment season just around the corner (November 1 - December 15, 2021), now is the time to think about changes to your health coverage. But before you do, make sure any plan you’re considering actually gives you the coverage you seek. Dishonest companies sometimes market medical discount plans or health plans with limited insurance benefits, as comprehensive health insurance. And sometimes they just lie about the “health plans” they offer.

Avoid marketing scams during 2022 Medicare Open Enrollment

During Medicare’s Open Enrollment Period (OEP), which begins on October 15 and ends December 7, Medicare beneficiaries can choose the plans that are best for them for 2022. You can get help comparing Medicare plans from your local State Health Insurance Assistance Program (SHIP), available in each U.S. state, territory, and the District of Columbia. Private insurance companies administer, market, and sell Medicare Advantage (MA, Part C) and Medicare Prescription Drug Plans (Part D), so it’s important to understand your rights and some of the limits on marketing. That way you’ll be prepared if an insurance broker or agent tries to enroll you in a Medicare plan that isn’t right for you.

Smoking out bogus product claims

Quitting smoking and losing weight can be enormously challenging. In the quest to kick the habit or drop the pounds, you might be tempted by products promising miraculous results. But take a breath before you buy or try. Those ads could be exaggerations or outright lies that wind up costing you big.