How do you know if you are buying health insurance or a health benefit plan? Both are options Kansans will have this year as they consider their health coverage, but they are not created equal and some can leave you without necessary coverage. Check out our side-by-side breakdown of both options to understand the benefits and limitations you need to know before you make any decisions on coverage.
It is also important to note that If you are dropped from a health benefit plan, you may not be able to enroll in a regulated/guaranteed health insurance plan until the annual open enrollment period or special, qualifying event enrollment periods, which can leave you uncovered and at risk for major health and medical expenses.
If you are still unsure if you are purchasing health insurance versus a health benefit plan, be sure to ask if there are any qualifications or screenings you need to complete and what services are required to be covered under the plan.