It’s that time of year. Pumpkin spice appears everywhere (including shoes), and health insurance companies and prescription drug plans are clamoring for our business. Welcome to open enrollment time.
Let me begin by saying that I now find the process so staggeringly overwhelming that I use an insurance broker to help me decide which plan to enroll in. Brokers are paid a commission by insurance companies and their services are free to consumers. Unlike selling cars, they are not rewarded by selling you a plan that is expensive. A good broker will find a plan that fits your needs. I asked my friends for recommendations and found an outstanding broker.
Here are some links to help you:
- HealthCare.gov; Also check out this page at HealthCare.gov.
- If you are on Medicare, you can compare plans here: www.medicare.gov
- AARP is another resource for checking out Medicare plans.
Pumpkin spice concoctions are easier to choose than health insurance plans are. However, some of us can live without pumpkin spice, whereas no one should be without health insurance.