Los aNGELES dAILY nEWS
I’m a notorious penny pincher, though I much prefer the term “thrifty.” So I have some counterintuitive advice when it comes to picking a Covered California plan: Cheaper isn’t always better.
In this installment, I’ll explain why and provide other advice for the year’s Covered California (and private market) open-enrollment season, which starts Nov. 15 and ends Feb. 15, 2015.
The implications of going out of network are enormous: You could owe thousands of dollars beyond your annual out-of-pocket maximum. Health plans say they have added doctors and hospitals to their rolls and made provider lists more accurate.
Weighing out-of-pocket costs is especially important if you have a chronic disease. “You need to … look at medication costs or repeated visits for disease management,” says Xavier Morales, executive director of the Latino Coalition for a Healthy California.