OE Tip: Check Your Doc + Meds
With Open Enrollment just around the corner, now is the perfect time to review more than just your monthly premium. Even if your plan looks the same on paper, key details like your provider network or prescription drug coverage may have changed for 2025.
Why Provider Networks and Drug Formularies Matter
Each year, insurance carriers update their networks and rug formularies. This means:
- Your current doctor or specialist may no longer be in-network
- Your prescriptions may move to a higher tier or be removed entirely
- Your pharmacy might no longer be preferred, affecting your copays.
What to Review Before Open Enrollment
- Check if your primary care doctor and specialists are still in-network for 2025
- Review your prescriptions against the 2025 formulary (drug list)
- Make sure your preferred pharmacy is still included in the plan
- Compare plan documents
How Harbor Health Insurance Services Can Help:
- Search for your doctors and medications in next year’s plan
- Compare changes side-by-side
- Find a plan that balances cost and coverage for your specific needs
Call us today and our licensed agents will make sure you don’t get surprised by out-of-network costs or medication changes.
- Call us: (888) 411-1095
- Email us: Contact@HarborHealthIS.com
References:
Covered California (2024). How to Shop and Compare Plans. http://www.coveredca.com
