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

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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?

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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

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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!

 

Special Enrollment period

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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!

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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

Dec. 15 deadline extended!

Twitter Deadline

The Individual open enrollment deadline has been extended to December 17th at 11:59 PM PST due to consumer demand.

That means you have more time to get coverage that starts on January 1st. We have two more days to get you enrolled!

You must select a plan by December 17th for coverage starting January 1st.

Don’t want to wait on hold? Call our office today. We are here to help at NO COST to you.

(225) 622-6554

trish@insurancelady.com

www.insurancelady.com

If you’ve already completed your enrollment for 2016 coverage, you’re all set and can ignore this message.

Special Enrollment Periods

The 2015 Annual Open Enrollment period has come to a close. Individuals are now limited on when and how often they are able to purchase an individual policy until the next Annual Open Enrollment period begins. Annual Open Enrollment for 2016 is currently scheduled for Nov. 1, 2015 through Jan. 31, 2016.

Individuals may be eligible for a special enrollment period if they experience a qualifying life event. Applicants may apply for coverage either On- or Off- Exchange.

OFF-Exchange Special Enrollment Periods:

To apply for coverage outside of Annual Open Enrollment, individuals must experience a qualifying life event listed below. Unless specifically stated otherwise, a qualified individual or enrollee has 60 days from the date of the triggering event to select a Health Plan.

COMMON QUALIFYING LIFE EVENTS INCLUDE:

  • Marriage
  • Birth or Adoption
  • Divorce
  • Relocating
  • Losing minimum essential health coverage
  • Loss of employer-sponsored health coverage
  • Loss of coverage for a dependent
  • Death of the policy holder
  • Cobra expiration
  • Medicaid or CHIP Expiration
  • Health plan decertified
  • No longer incarcerated
  • Gaining status as a citizen, national or lawfully
  • Change in income that results in an individual determined newly eligible or newly ineligible for tax credits
  • Change in eligibility for cost-sharing reductions
  • Return from active military service

A Special Enrollment Period Authorization Form MUST ACCOMPANY THE INDIVIDUAL APPLICATION for consideration of an off-Exchange special enrollment period. The individual will receive a first-of-the-month affective date following the processing of the application.

ON-Exchange Special Enrollment Periods:

According to Healthcare.gov, individuals may buy a private health plan through the Marketplace outside Annual Open Enrollment only if they qualify for a special enrollment period due to a qualifying life event such as marriage, birth, or adoption of a child, or loss of other health coverage.