2017 Individual Open Enrollment

LET’S GET READY

Schedule your appointment today

EVERYONE needs to schedule a phone call appointment to re-enroll for 2017 coverage.

The only exceptions are:

  • Medicare Supplement plan holders and
  • Individuals with grandfathered plans

png

THE COUNTDOWN HAS BEGUN

OPEN ENROLLMENT BEGINS TOMORROW! Our office is gearing up for the 2017 Open Enrollment season and we need you to get ready as well! Here are a few changes that you will see in 2017:

  • Blue Cross will move to a closed RX formulary, meaning some prescriptions simply will not be covered. On RX copay plans, members will have a generic RX copay but pay a coinsurance for all covered brand and non-preferred brand RX.
  • United Healthcare will not be an option for 2017. If you are currently enrolled with United Healthcare we will help you choose a new insurance company during our phone call.
  • Humana is discontinuing some of their individual plans for 2017. Watch for a letter about a specific plan design.
  • Vantage will remain an option on and off the Marketplace.

BE PREPARED

Here are a few things we will need you to have prepared for our phone call:

  • 2017 estimated household income. Make sure to include every person that is on your tax return.
  • Who will you claim on your 2017 tax return?
  • Married? As a reminder, you must file a joint tax return with your spouse.
  • Does your employer or your spouse’s employer offer group health insurance? If so, what is the cost for the employee only coverage?
  • Does your income fall between 138% and 400% of the FPL according to your tax size household?

jpeg

png

Let’s Set a Date!

Our time frame is super short this year, so we are setting appointments NOW. We have between November 1st and December 14th to make changes that will go into effect January 1st.

So… let’s set a date.

Please click the link above or call our office to schedule your appointment TODAY!

(225) 622-6554

Appointments will be scheduled every 30 minutes so we’ve got to talk fast and make a decision quick. Being prepared is a MUST this year!

We are happy and honored that you continue to choose us as your insurance broker. We strive to give you the best possible service before, during and after the enrollment. We love our clients and hope to make this enrollment season super easy for you.

Please show us plenty of grace and mercy as we help you, our valued clients, with this nearly impossible task of re-enrolling over 1,000 clients in 6 weeks. Have you done the math? Yeah… That’s 45 clients per day including Saturday and Sunday. Oh my…

Team #NoDaysOff #WeLoveOurClients

Trish Freeman, The Insurance Lady

(225) 622-6554

trish@insurancelady.com

The Great Flood of 2016

Due to the historic flooding in Ascension Parish and all over the state of Louisiana, the office at Trish Freeman Insurance Services is closed until further notice. Despite our best efforts, we are without power and the phone lines are down. We have suffered several inches of flooding inside the office but all employees are currently safe and dry. We will send out another email once the office is available to open again. We thank you for your business and hope everyone stays safe and dry during this state of emergency.

We promise to reopen as soon as possible. For now, the best way to reach us is via email:

 

-Trish Freeman Insurance Services

SIGNHouse

The need for help from the public is growing. Below are ways which you can provide help to flood victims.

  • If you would like to donate items, Healing Place Church has provided a list of things needed here or you can give towards the disaster relief fund that will go towards those affected by the flooding by visiting healingplacechurch.org/give and selecting “Disaster Relief” or text the “amount” and “HPC DR” to 45888.
  • Fellowship Church will continue to take donations from 8 AM to 6 PM on Wednesday, August 17. Priority needs are pillows (to be taken to the Lamar Dixon shelter), canned goods, dried goods, laundry detergents, blankets, toothbrush, cleaning supplies.
  • Those wanting to volunteer can register with the RED CROSS by clicking here or calling 855-489-2528 or sign up online at volunteerlouisiana.gov
  • Baton Rouge Area Relief has a relief fund  that assists nonprofits responding to flooding across the state. You can make donations online here
  • You can drop off supplies to the Friendship Chapel Activity Center at 2111 North St. in Baton Rouge.

For more information on how you can get involved visit wafb.com

Paying your insurance premium on-time

 

We cannot stress how important it is to pay your insurance premiums on-time.

IF YOU FAIL TO PAY YOUR PREMIUM OR DO NOT PAY THE CORRECT PREMIUM AMOUNT, YOUR COVEREAGE WILL BE CANCELED BY THE INSURANCE CARRIER.

If your coverage is canceled, you will not be able to purchase another insurance plan for the remainder of 2016. You will be responsible for all incurred medical bills AND you will still have to pay the tax penalty at the end of the year.

WORRIED ABOUT FORGETTING A PAYMENT?

Worried about forgetting a payment? We recommend you set early reminders or take advantage of the automatic bank draft option for payments.

 

Let us know how we can help!

 

Learn more about how drugs are covered with Blue Cross

You can learn more about how your drugs are covered by reading lists called formularies. These lists have tiers that will help you see if there are drugs you can take that will cost you less. Tier 3 drugs cost more than Tier 2 and Tier 1 drugs.

These drug lists also show what rules may apply to your drugs. Some of these rules may include having your doctor call Blue Cross first before ordering a drug; getting a certain amount of a drug at one time; or trying other drugs first before your plan will cover a drug.

First, check your plan booklet to see how many drug tiers your plan has then go to:

  1. bcbsla.com/pharmacy
  2. Click Prescription Drug Lists
  3. Choose the 2016 Drug Formulary for your plan
  4. Look up your drug in the index to find what page it is on in the formulary

If you have questions, call the Pharmacy number on your member ID card.

Continue reading “Learn more about how drugs are covered with Blue Cross”

Special Enrollment period

All progress takes place outside the comfort zone.png

You may be eligible to enroll for insurance even after the January 31st deadline if you qualify for the special enrollment period. The special enrollment period is a period outside of open enrollment where you can get insurance coverage due to qualifying life events.

You may qualify for the special enrollment period if you have:

  • Married or divorced
  • Moved to another state
  • Had a baby or adopted a child
  • Changed jobs
  • Had changes in your income that affect the coverage you qualify for
  • Became a U.S. citizen
  • Left incarceration
  • Had a change of dependency status of someone on your plan
  • Had a death of a covered member of your household
  • Turned 26 and aged off your parent’s plan
  • Lost employer group coverage

Bringing in the new year

Open enrollment will end Jan. 31, 2016. If you would like to change your plan, call our offices to discuss a plan that meets your needs and your budget. We want help you choose the right plan for you!

New Year'sEve party

If you don’t enroll in a  2016 health plan by Jan. 31 2016, you can’t enroll in a plan for 2016 unless you qualify for a Special Enrollment Period.

You may qualify for a Special Enrollment Period if you have:

  • Had a baby and/or adopted a baby
  • Married/divorced
  • Changed jobs
  • Lost previous employer group coverage
  • Lost dependent status
  • Recently moved to a different state
  • Had a change of immigration status