Health Insurance Tip: Three tips for navigating insurance |

Health Insurance Tip: Three tips for navigating insurance

Colorado Exchange open enrollment began on Nov. 1, and runs through Jan. 31, 2016. UnitedHealthcare offers a variety of health plans on the Colorado Exchange and knows the process for picking a plan can often be confusing. It's important to understand your health plan options in order to select a plan that will help enhance your health and possibly save you money in the year ahead.

Here are three tips to help you navigate the health insurance enrollment process:

1) Be aware there are three distinct open enrollment periods — Exchange, employer-sponsored, Medicare. UnitedHealthcare, for example, has tools and resources available to help consumers understand their eligibility. Open enrollment for the public health insurance exchange, in particular, started on Nov. 1, 2015, and ends Jan. 31, 2016. Visit for more information.

2) Set aside enough time to review your options and attend any information sessions at work or in your community. You may find ways to save money on your health care costs — whether it's by selecting a plan with a lower monthly cost and/or deductible level, or a plan that will cover more of the expected costs for a major health event you anticipate, such as having a baby or surgery, or evaluating prescription drug coverage. In rural communities like Craig, virtual visits as part of a plan might also be important to you. Virtual visits save time by answering questions, diagnosing certain conditions and, in some cases, prescribing medication all online. UnitedHealthcare includes virtual visits as part of all of its health plans, giving members online access to a physician via mobile phone, tablet or computer 24 hours a day.

3) Select care providers who participate in the insurer's network. In Colorado, including in Craig, UnitedHealthcare's approach on the exchange is to enter with aggressively priced plan options while still maintaining a very broad network.

— Source: UnitedHealthcare— Source: UnitedHealthcare— Source: UnitedHealthcare