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Great Options Outside Of Open Enrollment To Consider

Great Options Outside Of Open Enrollment To Consider

Did you miss the open enrollment period?

You, like many Americans, may have missed it. And that’s okay. Unfortunately, it is not surprising. This happens to many people who were not aware that the time for open enrollment came and passed. Fortunately for you, there are some great options outside of open enrollment to consider.

Know Your State’s Open Enrollment Deadline

Not all states have the same deadline. As you’ll see below, the majority of states have a December 15 deadline. Don’t assume you fall under this category!

Do your research. Better yet, contact an insurance provider for professional assistance.

If you reside in one of the 36 states that use healthcare.gov, then you have a December 15 deadline.

The 3 following states have permanently extended their open enrollment period:

  • California: November 1 to January 31
  • Colorado: November 1 to January 15
  • District of Columbia: November 1 to January 31

Find the other state-run exchange enrollment deadline extensions below:

  • Minnesota: November 1 to December 22, 2020
  • Pennsylvania: November 1, 2020, to January 15, 2021
  • Nevada: November 1, 2020, to January 15, 2021
  • Washington: November 1, 2020, to January 15, 2021
  • Massachusetts: November 1, 2020, to January 23, 2021
  • Rhode Island: November 1, 2020, to January 23, 2021
  • New Jersey: November 1, 2020, to January 31, 2021
  • New York: November 1, 2020, to January 31, 2021

Options Outside of Open Enrollment

Missing the window may be frustrating. But there are additional options outside of open enrollment.

Special Enrollment

There are always circumstances that allow for special enrollment. Make sure to check the specifications for timelines and acceptable documentation. Further information can be found at healthcare.gov or your state-run health coverage website.

Have you moved? If you had insurance prior to your move, then you may be eligible for special enrollment. If you think this may help you qualify, make sure to confirm through your state-run insurance.

Did you lose your health coverage? If this happened in the last 60 days, you are likely eligible for special enrollment. Even if you lost coverage over 60 days ago, you’re not necessarily out of luck. If you were unable to enroll sooner due to COVID-19 or a FEMA declared emergency, you may still be eligible.

Have you gained or become a dependent due to adoption, foster care placement, or court order? Check out the list of acceptable documents to confirm your need for special enrollment.

Did you walk down the aisle? If you were recently married, then that can call for special enrollment. However, there are requirements. Therefore, make sure you check with your state-run insurance program to confirm eligibility.

Did you apply for Medicaid or Children’s Health Insurance Plan (CHIP) only to be denied once open enrollment closed? Fortunately, this is not the end of the road for health insurance this year. If you received a denial letter, then you may be eligible for special enrollment.

Have you gained access to an individual coverage HRA or QSEHRA? This doesn’t mean you are necessarily stuck with the policy you chose before this additional coverage came into play.

Besides insurance through the ACA Marketplace, private insurance is still an option.  The most flexible option is a PPO plan.

Short Term Health Insurance

Did you miss the Open Enrollment window? Are you now realizing you don’t qualify for Special Enrollment? A short-term medical (STM) insurance policy may be what you need.

However, there are several reasons for looking into an STM policy. For instance, if you are in a transitional phase, signing up for a year-long policy might not make sense.

Do you fall under one or more of the below categories? Then an STM policy could be right for you.

  • Waiting for your ACA coverage to start
  • Looking for coverage to bridge you to Medicare
  • Turning 26 and coming off your parent’s insurance
  • Between jobs or waiting for benefits to begin at your new job
  • Healthy and under 65

Medicaid or the Children’s Health Insurance Program (CHIP)

Is your income too high to qualify for Medicaid? Just because you earn too much for Medicaid doesn’t mean you can afford pricey policies.

CHIP is the low-cost health coverage for children in families that earn too much money to qualify for Medicaid. In some states, CHIP also covers pregnant women. Each state offers CHIP coverage. Additionally, CHIP works closely with its state Medicaid program.

Employer Coverage

Do you have the option of employer-sponsored health insurance? Then definitely check it out. Maybe this wasn’t your best option in the past. Or until now you’ve been on your parents’ or spouse’s insurance policy.

Whatever the case, if it is an option then you should find out all the details. Contact your employer or Human Resources department for information. You may even find out that their policy has changed. This time around, it could end up being your best option.

Diana Reeves Can Help You Find the Right Options Outside of Open Enrollment

Figuring out health plans may seem daunting, but you don’t have to go at it alone.

I specialize in navigating PPO options to get you the most flexible coverage at the best price. My customers want the best access to health care. They are hard workers. And want to spend their money wisely. By learning about you and your medical history, I’m able to educate you on your best health coverage options.

I want you to feel good about the decision you make. After all, this decision affects you and your family. I will walk you through the entire process.

And we will make sure you are aware of all the fine print. No surprises!

You won’t even have to dial that annoying 1-800 number! Say goodbye to being on hold when it comes to health insurance.

My team provides personalized service. We are available to clients 24 hours a day, 365 days a year.

If you are looking for a new policy, you don’t have to worry about a lapse in coverage. Diana Reeves Health Insurance will make sure there is no gap between your prior and new health insurance coverage.

We curate customizable health benefits packages. A new year can bring on new health coverage requirements. Our clients receive customizable plans that are adaptable to their changing lives.

Say hello to a fresh new you as you step into the new year. Contact Diana Reeves for your health coverage needs to get started. Call today at (713) 806-5966.

Where To Find The Best Options During Open Enrollment

Where To Find The Best Options During Open Enrollment

Once again, it’s open enrollment time!

From November 1 to December 15, you can shop for a new health insurance plan. Do you know what your options are? Do you know how to find your best options during open enrollment?

Health Insurance Open Enrollment 2020

There are several things to consider when you’re shopping for a health plan during open enrollment. Your circumstances may or may not have changed over the last year. Regardless, you don’t need to stick with your current policy if it doesn’t fit your needs.

As this may be the one opportunity during the year to make any adjustments, it’s important to invest time in researching your options. There are exceptions to open enrollment, usually life-changing events such as loss of health coverage, changes in residence, and changes in the household. Some of these qualifying events are foreseeable, such as a dependent turning 26 and aging out of their parents’ plan, but most are not. 

There are other private health plan options you may qualify for outside of open enrollment.

Review Your Current Plan

Going into open enrollment, review your finances and look over any price increases to your current plan. Additionally, verify that your dependents’ medical needs are still covered.

For instance, dental insurance coverage of braces may change year to year. Or if you or a dependent requires ongoing physical therapy or has a mental health problem, verify whether your insurer imposes coverage limits on the number of visits or coverage.

Prescription medications can fluctuate in price, and you’ll want to double-check all of your family’s medications are covered under your plan. Review any prior authorization requirements. Employer-sponsored cannot impose a pre-existing condition waiting periods, but insurers may require pre-authorization for non-emergency care.

It is important to review all of you and your family’s medical needs because these factors will affect your access to care and how much it will cost you.

You should be aware of everything that is covered and not covered.

Where To Find The Best Options During Open Enrollment

Once you’ve received your current plan and have decided that your plan does not serve your family well, it’s time to search for a new plan. Here is where to find the best options during open enrollment.

What’s Important To You

The best health care option is the option that works for you.

Is choosing your doctor important to you? If so, you want the flexibility that comes with a preferred provider organization (PPO). PPOs may be more expensive than some health plans but may offer more flexibility and value.

However, the referral process of HMO insurance can cause you headaches when you’re trying to find relief from one.

Is finding the cheapest plan a priority?

If so, then you will not get the best coverage and may so more financial hurt down the line.

Ultimately, it’s your choice to identify what’s important to you and your family.

The Affordable Care Act

If you are interested in seeing what options you have through the Affordable Care Act marketplace, visit www.healthcare.gov.

Depending on your income, there will be different premiums and tax credits available to you. Although this may be some people’s only option, the healthcare providers listed under these available plans are unfortunately not always taking on new patients. Be prepared for a lengthy process that may not yield the options that fit your needs.

For Businesses With More Than 50 Employees

Businesses with 50 employees or more are required to offer health insurance benefits in accordance with the Affordable Care Act. Ask your human resources department or employer for information regarding their employer-sponsored benefits.

With health insurance premiums steadily climbing in recent years, many companies have chosen to save money by not extending benefits to spouses of employees. When possible, you will want to ensure that your dependents and their health needs will be covered under your employer-provided insurance policy.

For Dependent Children

Although employer-sponsored plans generally cover dependent children, another option is Chip. As with other plans, your income can be the determining factor in which plan is best and also available for your family. Medicaid is an option for your children if you do not qualify for Chip.

For 65+

The benefits of age go beyond wisdom. Medicare is available to U.S. residents over the age of 65.

Remove The Confusion With Diana Reeves Health Insurance

When it comes to health insurance, there are an overwhelming amount of options. You want a good product that offers real protection at the best possible premium.

Diana Reeves Health Insurance helps every customer find the best solution for their health plan.

I specialize in navigating your PPO options so you can have the most flexible coverage at the best price. My customers are motivated hard workers and want the best access to health care.

By getting to know you and your medical history, I’m able to educate you on your best health coverage options. And I will walk you through the entire process and make sure you are aware of all the nitty-gritty details.

I will even be the one dialing the dreaded 1-800 number!

I want you to feel good about the decision you make for yourself and your family.

My team provides personalized service and is available to clients 24 hours a day, 365 days a year.

When looking for a new policy, you can count on Diana Reeves Health Insurance to make sure there is no gap between your prior and new health insurance coverage.

I curate customizable health benefits packages for my clients that may be individuals, families, and small businesses under 50 employees. As the seasons change, so does your health coverage requirements. My customizable plans are adaptable to your ever-changing needs.

Say goodbye to the annual stress of reapplying for health coverage with Diana Reeves! Call today at (713) 806-5966.

What Are Health Insurance Options For The Self-Employed?

What Are Health Insurance Options For The Self-Employed?

Self-employment has become increasingly popular over the past year with the pandemic. 

Many businesses took a financial toll due to the pandemic, which has boosted the number of self-employed individuals – either freelancing or starting their own ventures. 

But many newly self-employed individuals are concerned about how and where to find quality health insurance options. Read on for some of our recommendations.

Health Insurance Options For The Self-Employed

Health insurance is difficult to navigate and can feel even more overwhelming when you are going about your search alone. However, we have rounded up some resources to help.

Join A Private PPO Network Plan

One of the best routes to take when searching for health insurance as a self-employed worker includes finding an agent like Diana Reeves who can offer full-service medical benefits at a level that is tailored to your needs.

Whether you are searching for coverage just for you or your family, there are  nationwide portable PPO network plans out there that can cover you when you need it. Coverage through an agent includes more than you may think. For example, it can include health, dental, vision, term life, critical illness, accidents, and income protection.

Why Should I Opt For An Agent Instead?

First, not all agents are made the same. However, with 16 5-star Google reviews alone, Diana Reeves exemplifies integrity and value in her service offerings.

 By establishing a long-term relationship with your health insurance agent, you are better equipped to receive:

  • The best pricing. Agents have more time to focus on you and your needs. They can take extra steps to compare pricing and find affordable yet quality coverage that fits your checklist.
  • Maximum benefits. An experienced agent knows where to look when you need maximum coverage for your money. Comparisons are done on a daily basis and are heavily considered before recommendations are made.
  • Education. You are better equipped to make a decision when you understand your options. An agent who works with you on a personal level will take the time to explain your choices to you and directly answer any questions you may have. 
  • Exceptional customer service. Instead of talking to an endless line of automated voices or randomly assigned call center representatives, you have a real person who is dedicated to your coverage needs. Day or night, they are available to answer any questions and address any concerns you may have to put your mind at ease.

Cost-effective individual PPO plans are out there. You just may not know where to look. It’s important to not settle for any kind of coverage, but to find someone you can trust to have your best interest in mind.

Healthcare.gov Individual Marketplace 

The Marketplace on healthcare.gov is available if you:

  • Operate your businesses
  • Are self-employed with no employees
  • Work as freelancers or consultants

The four main things you will want to focus on when searching for a plan are coverage options, eligible discounts, premium costs, and cost-sharing amounts.

All of these items can help you find the coverage you need for you and your family at the most affordable price for your budget. 

How Do I Get A Discount?

One element you need for a discounted premium tax credit or out-of-pocket pay is an estimate of your income. It does not have to be exact, but it should be a fair estimate of how much you earn a year.

Keep in mind that giving a false or overly inaccurate estimate can hurt rather than help in the long-run. If you made more than estimated, you may need to pay back a portion or all of your premium tax credits. Making less entitles you to more premium tax credits.

When Is Open Enrollment For Individual Marketplace Plans?

The open enrollment period for Individual Marketplace plans is from February 15 through May 15. Conduct your research before this time to give yourself a more comprehensive view of your options.

In addition to this timeframe, you may also enroll at any time if you have one of the following life events:

  • Health Coverage Loss. This includes turning 26 years old and losing parent-based coverage. Also included is the loss of existing coverage or ineligibility of Medicare, Medicaid, or CHIP.
  • Household Changes. These types of events include a new marriage or divorce, having or adopting a baby, or a death in the family.
  • Resident Changes. Changes in residence include moving to a different ZIP code or county (students included), seasonal workers who must move for work, and moving to or from any type of transitional housing.

Other less common events may count as life events. For example, changes in income that affect your qualifying coverage count as a life event. You may also seek coverage if you become part of a federally recognized tribe or gain status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder.

Finally, becoming a U.S. citizen, leaving prison or jail, and AmeriCorps members starting or ending service can all qualify as life events.

Why Should I Opt For An Agent Instead?

It is important to note that healthcare.gov does not work so well for some self-employed individuals because while covering those with preexisting conditions, those plans could:

  • Be more expensive
  • Limit coverage
  • Offer unsatisfactory coverage

All of this is more reason to seek out help from a trusted health insurance advisor to guide you and make sure you get the best coverage for what you need. 

Know Your Options For Self-Employed Insurance

You are not alone in your search for health insurance options for self-employed individuals. With year-round availability, 365/24/7 personal customer service, and free quotes available, we are here to help.

Call me today to learn how to save money when choosing your health insurance plan at (713) 806-5966!