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When you have health insurance, many of your expenses are paid when you receive preventive care services, such as yearly checkups and regular screening tests. Many medical providers and health plans will even remind you when you need preventive care. It is important because preventive care often makes it possible to identify any health concerns early, when there is plenty of time to treat the concerns and preserve your good health.

When you purchase a health insurance plan, you will pay a premium, which is a fixed monthly amount, much like you pay for car or life insurance. The premium is determined by the type of plan you have, as well as your age, your geographical location, and whether or not you use tobacco products. In addition, you may have to pay deductibles, copayments, or coinsurance amounts when you see your doctor or buy prescription drugs.

In most cases, you can change your health plan once a year, during the renewal period. If you have a qualifying event, such as the birth of a child, divorce, or loss of a job, you may be able to make changes to your health plan outside of the renewal period.

Health insurance is a contract between you and your insurance company. You buy a health insurance plan, and the company agrees to pay part of your medical costs when you get sick or hurt. Each health insurance plan spells out exactly what the insurance company will pay and how much you will have to pay. Most health plans require you to pay a premium. A premium is a fixed amount you pay to your insurance plan, usually every month. You pay this even if you don’t use any medical care that month. In addition to your premium, you may need to pay out-of-pocket costs such as a copayment, a deductible, or coinsurance.

Medicare’s annual Open Enrollment Period  is annually from November 01 to December 15.