Updated: 03/18/2014 7:32 PM
Created: 03/18/2014 7:29 PM WHEC.com
By: Scott Kilbury
Time is running out to make sure you have health care. So far nearly a million people in New York State alone have already signed up for the program.
Seventy percent of those folks did not have insurance at all before the Affordable Health Care Act. However, the deadline to get enrolled is quickly approaching.
The deadline to sign up for the Affordable Care Act is two weeks away, so there’s still time to do your homework. An important piece of that homework is shopping around to see whether your doctors participate with a new health plan. If you purchase a less expensive plan from the health exchange network and the insurer doesn't contract with your doctor, you could be paying much more than anticipated.
Excellus Blue Cross Blue Shield says it may be in your best interest to pay a little more now than be surprised with a bigger payment later.
Jim Redmond, Regional Vice President, Excellus, said, “If you go outside of the network you could end up paying a lot more out of pocket. If, for example, you have a caesarian section, and you go out of network, it could cost you up to $2500 more.”
Redmond also suggests looking into specialists. For instance, if you are anticipating a surgery, like a knee replacement, double check to see what doctors are covered in the network. The deadline to buy insurance on the NY State of Health Marketplace is March 31.
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