When can I enroll in a 2019 Marketplace plan?

Open Enrollment for 2019 Marketplace coverage starts in just a few short months. Here are some important enrollment dates to mark on your calendar:

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Key 2019 Open Enrollment dates:

  • The 2019 Open Enrollment Period runs from Thursday, November 1, 2018, to Saturday, December 15, 2018.
  • If you don’t act by December 15, you can’t get 2019 coverage unless you qualify for a Special Enrollment Period.
  • Plans sold during Open Enrollment start January 1, 2019.

Have questions? Need assistance? Contact me!

Continue reading “When can I enroll in a 2019 Marketplace plan?”

Do You Need Medicare Supplement Insurance?

Not sure about which Medicare Supplement Plan is right for you?

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Medicare still has deductibles, co-pays, and co-insurance. Can you afford to pay these costs out of pocket?

Medicare supplement insurance pays for the things Medicare doesn’t. There are several plans to choose from, each with different rates and coverage levels. Continue reading “Do You Need Medicare Supplement Insurance?”

Important Health Care Enrollment Dates

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  • November 1, 2015: Open Enrollment started — first day you can enroll in a 2016 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2016.
  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

If you don’t enroll in a 2016 health insurance plan by January 31, 2016, you can’t enroll in a health insurance plan for 2016 unless you qualify for a Special Enrollment Period (see below.)

SPECIAL ENROLLMENT PERIOD

A time outside of the open enrollment period during which you and your family have a right to sign up for health coverage. In the Marketplace, you qualify for a special enrollment period 60 days following certain life events that involve a change in family status (for example, marriage or birth of a child) or loss of other health coverage. Job-based plans must provide a special enrollment period of 30 days.

Better Hurry – Open Enrollment Ends February 15th

ACA-open-enrollNeed health insurance? Better hurry! Open enrollment ends February 15th!

There’s still time to enroll in a plan for 2015 that meets your needs and budget. Your coverage can start on March 1. There are many health care options for you. Contact me if you need assistance.

What’s covered in the Affordable Care Act (ACA) Plans:

These essential health benefits include at least the following items and services:

  1. Outpatient care—the kind you get without being admitted to a hospital
  2. Trips to the emergency room
  3. Treatment in the hospital for inpatient care
  4. Care before and after your baby is born
  5. Mental health and substance use disorder services: This includes behavioral health treatment, counseling, and psychotherapy
  6. Your prescription drugs
  7. Services and devices to help you recover if you are injured, or have a disability or chronic condition. This includes physical and occupational therapy, speech-language pathology, psychiatric rehabilitation, and more.
  8. Your lab tests
  9. Preventive services including counseling, screenings, and vaccines to keep you healthy and care for managing a chronic disease.
  10. Pediatric services: This includes dental care and vision care for kids

2015 HEALTHCARE OPEN ENROLLMENT

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The Open Enrollment period for 2015 coverage is November 15, 2014 to February 15, 2015.

If you haven’t enrolled in 2015 coverage by February 15, you generally can’t buy Marketplace health coverage for 2015 unless you qualify for a Special Enrollment Period.

Deadlines if you have 2014 coverage

2015 enrollment and coverage start dates

During 2015 Open Enrollment, if you enroll or change plans:

  • Between the 1st and 15th days of the month, your coverage starts the first day of the next month.
  • Between the 16th and the last day of the month, your coverage starts the first day of the second following month. So if you enroll on January 16, your coverage starts on March 1.
  • Between February 1, 2015 and the deadline of February 15, 2015, your 2015 coverage begins March 1, 2015.

You can enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time.

If you own or operate a small business, you can start offering coverage to your employees any time. Contact me for a FREE GROUP QUOTE!

If you don’t enroll in 2015 coverage

If you don’t have health coverage during 2015, you may have to pay a penalty. The fee in 2015 is higher than it was for 2014 — 2% of your income or $325 per adult/$162.50 per child, whichever is more.

If you need assistance with your healthcare coverage, contact me, I can help!