Collaborating with a certified insurance agent is the best way to ensure a smooth open enrollment. They are familiar with the health care industry, and will be able to walk you through every step. Open enrollment will begin on November 15th, and will close on February 15th, 2015! December 31st is the last day your 2014 coverage will apply. Now is the time to begin thinking about your health insurance needs! Here are a few things you should understand about the Marketplace before you begin your application:
- Every state has access to the Marketplace.
- Private companies control and design the plans that are offered through the marketplace.
- Each plan offered in the Marketplace will cover you for the essential benefits. These include doctor visits, hospitalizations, prescription medications, and preventative care.
- Use the marketplace to compare and contrast your options! You should be paying attention to the different premium rates, deductibles, and out-of-pocket costs.
- Once you complete your application, you will be notified if you qualified for discounted premium rates. Many individuals who apply will be eligible for savings.
- If you are one of the qualified applicants for a special enrollment period, you will get to fill out your application earlier than November 15th.
- You will not be turned down for coverage due to any pre-existing illnesses or conditions.
- You may even be able to get dental coverage through your health plan.
- If you have had any recent changes in your life such as a childbirth, marriage, divorce, adoption, or alteration in income, you are required to report them to the Marketplace.
- If you do not like any decisions made by the Marketplace, you have the option to appeal them later on.
Contact an insurance agent to decrease your stress level during open enrollment! The agents at Pacific Group are patiently waiting to assist you with any health insurance related questions you may have! Give us a call, today!