It’s Time to Get Ready for Open Enrollment!

Families for Depression Awareness has prepared a set of resources to help you as you shop for a health insurance policy.

If you get your insurance through the federal Health Insurance Marketplace, get ready to renew or change your plan! Open enrollment runs from November 1, 2019 to December 15, 2019, a fairly short period for making important decisions about your health care for 2020. It’s really important that you sign up during Open Enrollment because otherwise you may not have access to a plan that meets the requirements of the Affordable Care Act, which may mean you could be denied coverage for having a pre-existing condition or not have coverage for mental health care.

If you live in a state that has its own marketplace (or “healthcare exchange’), your open enrollment period may be different, but not shorter than the federal Open Enrollment. These states include California, Colorado, Connecticut, District of Columbia, Idaho, Maryland, Massachusetts, Minnesota, New York, Rhode Island, Vermont, and Washington.

Not sure how to get health insurance? Check out our health insurance options chart!

When you’re deciding on your health plan, what are the factors you consider? Here are some of the important issues we’ve identified:

  1. Are your healthcare providers in the plan network?
  2. Will you be able to pay the monthly premium?
  3. What healthcare services do you anticipate needing this coming year?
  4. What co-pays, co-insurance, and deductible (known as “cost-sharing”) will you be responsible for?

For information about choosing a health plan and appealing insurance denials, watch the Families for Depression Awareness webinar, “Isn’t That Covered? What Caregivers Need to Know About Mental Health and Insurance.”


Additional Resources

Download the Mental Health and Insurance Fact Sheet
Download the webinar slides
Download our health plan comparison worksheet
Watch FFDA’s insurance videos on YouTube
Visit HealthCare.gov for the federal Health Insurance Marketplace