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Lowering Out-of-Pocket Costs

It may seem like a luxury to have health insurance when you’re out of work. But protecting your health — and your family — with the right health insurance is one of the most vital choices you’ll make. If you choose to go without health insurance, you’ll have to pay out-of-pocket for all health care expenses, including:

  • Emergency room visits
  • Prescription drugs
  • Other medical services

Affordable Care Act

Starting Jan 1, 2014, the Affordable Care Act (also called health care reform) requires most people to have basic health insurance. If you go without, you may have to pay a tax penalty. Luckily, temporary health insurance choices are ready now so you don’t have to wait until 2014 to get insurance. Learn more about health care reform and how it may impact you.

Questions to Ask When Choosing Health Insurance

  • How much is my monthly cost?
  • How much is the deductible?
  • Will I have to pay coinsurance?
  • Will I have to pay a copayment?
  • Will I have any major health care costs next year, like having a baby?
  • Do I need dental, vision or prescription drugs?
  • What costs are included and kept out in the out-of-pocket expense limit?
  • Is my doctor or hospital part of the network?
  • Does it cover hospital visits and major health care costs?

Smart Tip

Call your doctor before going to the ER or making an office visit. He or she may be able to help you over the phone.

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Job Change Tips

for the unemployed

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