How Will Your Insurance Be Effected Next Year?

Health care is one of those matters that is being discussed across the board.  With time you will discover that the entire health care system is being revamped and for better or for worse changes are heading your way in 2011.  While many people are expecting changes most aren’t certain what to expect as they head into enrollment for 2011.

DEDUCTIBLES– In general you'll most likely find that your deductible is on the rise.  it's one of the fastest ways to decrease a person’s premiums in light of all the costly changes being implemented by the new government regulations.  If you're in an HMO or PPO then the raised deductible should only affect you when you go to the hospital as usually there will be no deductible just a co-pay on doctor’s visits.

CO-PAY– In order to keep your premiums down your health insurance company may perhaps have changed your co-pay to a co insurance amount or have just simply increased your co-pay.  Either way most Americans will notice that their co-pay amounts have been adjusted.

BENEFITS– The good news is that some of the changes for the coming year will actually be providing you with better benefits.  You'll have coverage for children up to age 26, coverage for those previously denied for pre-existing conditions, and no lifetime maximum benefit.  All of these are things that you should notice changing in 2011.

INCLUSIONS– Many more people will be eligible for health insurance than in previous years and some of these people will be given help to insure their families but will be required to pay something towards their health insurance benefits.  If you are one of those individuals who has been previously denied coverage it is a good time to check and see if you're now eligible for health insurance benefits.

It's important to recognize that there are both benefits and drawbacks to the coming changes but no matter how you look at it the face of health care in the United States will be changing and with more people receiving coverage over the coming years, it's important to ensure that you have regular physicians in place that will see you even as their practices begin to grow.  Over time it will become increasingly challenging to get in and see the doctor of your choice so having that established relationship will help you to get in and seen more quickly.