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You’re getting married! Or at least, considering it… but whatever stage of engagement you’re in, if you’re reading this, marriage must be on your mind. 

It’s a big step! An exciting, life-changing event with countless benefits such as love, companionship, joy, shared experiences, and lots of hand-holding. And once you’ve found that perfect person to share your life with, you want to ensure they’ll be cared for in the best ways.

One of those ways includes a new health insurance plan. 

The Significance of an Open Enrollment Event

Getting married is one of those qualifying life events that gives you special access to insurance open enrollment. Typically, open enrollment only happens during a specific time of the year, but an open enrollment event is when individuals and families have special circumstances that allow them to sign up for health insurance coverage or make changes to their existing plans.

Getting married opens up many healthcare opportunities, which can result in lower premiums and better coverage overall. But sifting through and understanding your options is a lot to take on, especially when you’re bow-tie deep in wedding plans! At Optimized Health Plans, we’ve done all the research and know all the answers to help you choose the right plan so you can focus on your I Do’s.  

The Benefits of Getting Married and Health Insurance

One of the main benefits of married health insurance is that both of you will now be covered under one plan. This means that all medical expenses can be shared, resulting in lower costs per person and access to a broader range of coverage options than what may have been available before marriage, such as higher limits on prescription drugs or more comprehensive coverage for certain procedures.

Having two people insured by the same policy means there are fewer administrative tasks required for renewals, cancellations, and expansions down the line.

And during these qualifying open enrollment periods, insurers may offer discounts and incentives, which could result in significant financial savings when applied across both parties’ premiums. 

Understand the Coverage of the Different Health Insurance Providers

When comparing plans from different health insurance providers, there’s so much to understand about what type of coverage is available and how much it will cost. Various providers may offer similar or dissimilar levels of coverage, so how do you know if you’re choosing the plan that best meets your needs and budget?

Our experienced agents at Optimized Health Plans are ready to help you understand your basic coverage options and closely examine extras such as co-pays for office visits or prescription drug costs. Some insurers provide flat fees for certain services while others may charge higher rates depending on usage – we’ll make sure you’re aware of any additional costs before signing up for a policy. And we’ll help you maximize any potential financial benefits of sharing a policy.

Advantages of Talking to an OHP Agent

Having the support of a trained professional can be invaluable when navigating health insurance policies and open enrollment events. As licensed Optimized Health Plans insurance agents, we have an in-depth knowledge of the different coverage options available and any potential discounts or incentives offered by different providers. We can provide valuable advice on which plan is best suited for your needs and lifestyle.

Furthermore, our agents are uniquely positioned to offer assistance with managing renewals, cancellations, and expansions. Having someone familiar with the system can help simplify processes such as switching between plans or updating personal information that may impact premium costs or coverage levels, all without having to navigate confusing paperwork alone!

In addition to providing guidance on policy choices and associated administrative tasks, talking with one of our health insurance agents can offer peace of mind knowing that you’re making informed decisions about your healthcare coverage. We can assist in answering questions about deductibles, co-pays for office visits, or prescription drugs – details that might otherwise go unnoticed until it’s too late.

Choosing a healthcare provider is an important decision that should not be taken lightly, especially during open enrollment events when extra discounts and incentives may be available. 

So give us a call! Let’s chat! Get a quote! We’re ready to answer all your questions, especially if you need help deciding which cake flavor is best. At OHP, it’s our goal to have you and your soon-to-be walking down the aisle of health insurance bliss. We’ll work hard to set you up with the HMO, PPO, EPO, or other plan of your dreams. We’ll leave the wedding colors up to you.