While the Open Enrollment for Health Insurance has ended for 2014, there are still situations where an person can qualify for a Special Enrollment Period. If you have an Individual Health Insurance Policy that has a non-calendar year Renewal this year, you may qualify for a Special Enrollment Period, or SEP. This could occur if you have a Grandfathered or non-Grandfathered transitional policy. If you receive a renewal notice from your Insurer, please give us a call at 877-740-8683, to discuss your options and find out if it is in your best interest to shop for a new policy. This SEP is in addition to the COBRA Special Enrollment Period , relating to Group Health Insurance, that will last until July 1st. There are also the regular Qualifying Life Events that will trigger an SEP. The Qualifying Life Events, or QLE’s, can include such things as gaining a dependent, through birth, marriage or adoption. If you lose Minimum Essential Coverage, through no fault of your own, this can also qualify for an SEP. This could result from a loss of a job, reduction in hours, divorce, or a permanent move. There are complex deadlines surrounding the triggering events. While most SEP’s have a 60 day day window, there are some with only 30 days. If you thing you might qualify for an SEP, please call 877-740-8683, or visit www.healthreformenrollmentcenter.com , to speak to a licensed Insurance Agent for a person evaluation of your situation. If you can’t qualify for an SEP, there are still options available for Short Term Insurance, and the 2015 Open Enrollment will start November 15th.
The Department of Health and Human Services recently announced a one time Special Enrollment Period for anyone who has COBRA continuation from Group coverage. This will allow anyone currently on COBRA to enroll in a new ACA plan until July 1st. The normal rules of only being able to enroll in a Marketplace plan when first eligible due to loss of coverage, or when COBRA was exhausted(or during the Open Enrollment), are suspended for this time period. The decision was made because many people were unaware that would no longer be able to leave COBRA coverage during the year, and enroll in an Individual policy. Prior to 2014, people used to be able to purchase Individual coverage at any time during the year, so they could leave COBRA at any time. Under the Affordable Care Act, people are no longer able to purchase Individual coverage during the year, unless they have a Special Enrollment Period. Since COBRA coverage is often very expensive, it always worthwhile to compare Individual Health Insurance prices, especially if you might qualify for a subsidy. Please give us a call at 877-740-8683, to find out if you qualify for a Special Enrollment Period.
Recent studies shoe that Medicare Supplement, or Medigap, policies continue to grow in popularity. With over 10.5 million people enrolled in Medigap as of 12-31-2013, that represents a 3.8% growth over the previous year. People are also overwhelmingly satisfied with their Medigap coverage. 94% are satisfied with their coverage, 95% consider it a good value, and more than 9 out of 10 would recommend Medigap to their friends and family. You just don’t see that level of satisfaction with under 65 Health Insurance. Plan F continues to be the most popular choice, with 52% of plans purchased. Plan G, our pick for best value, and Plan N are growing in market share. One of the only complaints a person can have with Medigap is the price. While rates do go up, you are always able to change to a new Medigap policy at any time. Medigap policies are not subject to the lock in period that Medicare Advantage has. If you are turning 65, or new to Medicare, give us a call at 877-740-8683, and we will help you find the best rate. If you have a current plan, and would like to make sure you have the lowest price, you can also call, or visit www.emedigap411.com , for a free personalized price comparison.
Many people underestimate the importance of good oral health. The reality is that it is so vital that the new Health Insurance Policies under the Affordable Care Act are required to provide Pediatric Dental as anEssential Health Benefit. In 2008 over 4 million children did not obtain needed dental care simply because they couldn’t afford treatment. The top 5 reasons for maintaining good oral health are:
1. To prevent oral cancer, curable if diagnosed early
2. To prevent gum disease
3. To maintain overall good physical health, heart attacks can result from poor oral hygiene
4. To keep your teeth!
5. Have a white bright smile and prevent bad breath
Often affordability is one of the biggest factors for people not getting the dental care they need. Fortunately there is a solution. With many companies now offering affordable, comprehensive Dental Insurance to Individuals. In years past, most people could only obtain good dental benefits through a Group plan. We now have multiple plans available, with innovative benefits, such as a Dental, Vision, and Hearing plan, at a price to fit any budget. Please give us a call at 877-740-8683, or visit www.freedomfreequote.com today for a free quote.
The 2014 Open Enrollment Period for Individual Health Insurance has ended. You may still be able to obtain Health Insurance, if you have a Qualifying Life Event, or Special Circumstances, that would provide you a Special Enrollment Period. Qualifying Life Events can include such things as loss of Group Coverage, birth, marriage and divorce. Please give us a call at 877-740-8683, or visit www.healthreformenrollmentcenter.com , to find out if you qualify. There are deadlines for each circumstance, so please don’t delay. Since there are so many rules in the new Marketplace, you need the help of an experienced Agent, now more than ever. Don’t go it alone.