Insurance Open Enrollment From Your Employer - PIH Health

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Published on November 03, 2016

Insurance Open Enrollment From Your Employer


InsuranceMany people in the workforce receive health insurance through their employer. And most employers’ groups have their annual open enrollment during the fall and early winter seasons with a January 1 effective date. This is a great opportunity to change your elective healthcare benefits, but choose carefully as your selection will determine the quality of care you will receive for the upcoming year.

There are many health plan options and you can choose from two different plans; a Health Maintenance Organization (HMO) and a Preferred Provider Organization (PPO).

  1. HMO – This plan tends to offer lower monthly premiums with a limited network of doctors and hospitals. You must choose a primary care physician (PCP) who will coordinate all your care. If you require specialists as a part of your healthcare, you must be referred by your PCP.
  2. PPO – This plan gives you access to a larger provider network and the option to go out of network with higher copays. Monthly premiums and out-of-pocket costs tend to be higher. You govern your own healthcare needs and are responsible for coordinating your own care.

Remember, not all health plans and providers are alike. Doctors and hospitals all have varying degrees of experience and expertise, and certain health plans may not offer the benefits you need, so it’s important to take the time to do your research thoroughly.

When you choose a doctor and medical group, you are also choosing the hospital where you would potentially be admitted and treated. Is your current primary care physician affiliated with PIH Health? If you are unsure, we encourage you to visit your insurance company website to look up your doctor. We have had some name changes over the last few years. You may notice that PIH Health Physicians may still be listed as Bright Health Physicians; PIH Health Whittier Hospital may still be listed as Presbyterian Intercommunity Hospital or PIH Health Downey Hospital may still be listed by its former name, Downey Regional Medical Center. So check the directory for your specific health plan to find a PIH Health Physician.

The information in Healthy Living Online is for educational purposes only.  It is not intended nor implied to be a substitute for professional medical advice.  The reader should always consult his or her healthcare provider to determine the appropriateness of the information for their own situation, or if they have any questions regarding a medical condition or treatment plan.

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