Captain Health USA

Making Health Insurance Great Again!


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Pre-Open Enrollment Checklist

It’s almost THAT time of year!  That’s right, open enrollment is right around the corner.  Depending on how you plan for the event, will determine how smooth or not so smooth the process will be for you and your family.  

Upcoming Open Enrollment Dates:

Make sure these dates are on your calendars…

Thursday, November 1, 2018, to Saturday, December 15, 2018.  Please keep in mind that if you already have coverage you will be automatically renewed.  We would just need to update any family, address, or income changes.

Note:  If you don’t act by December 15, you can’t get 2019 coverage unless you qualify for a Special Enrollment Period.

Plans sold during Open Enrollment start January 1, 2019.

If you need new coverage…..Checklist

  • Household size:  Make a list of the people in your household that will be needing health Information (see below for a snapshot of who should be getting or qualifies for health insurance)
  • Home and/or mailing addresses for everyone applying for coverage.
  • Information about everyone applying for coverage, like addresses and birth dates.
    Social Security Numbers.
  • Document information for legal immigrants. 
  • Information on how you file your taxes.
  • Your best estimate of what your household income will be in 2018. 
    for help estimating your income.

Here’s a quick snapshot of who qualifies for health insurance coverage in your home:

  • Dependent children, including adopted and foster children
  • Children – shared custody (only those who you claim as dependents during the tax year)
  • Non-dependent child under 26 – only if you want to include them on your policy
  • Children under 21 you take care of and who lives with you, even if not your tax dependent.
  • Dependent parents only if you claim them as tax dependents
  • Dependent siblings and other relatives only if you claim them as tax dependents
  • Legally married spouse

After you have gathered all of the information listed above, call a health insurance agent who is well versed in the Affordable Care Act and understands the laws that surround it.  You will want to have discussions about things like:

  • The 4 “metal” categories and what they mean for you and your family
  • Understanding how much your monthly health insurance will be
  • A clear explanation of the plans and the networks available to you (HMO, PPO, POS, EPO)

If you do not have an agent and need help in making the best healthcare coverage decisions for you and your family, I am here to help!  Schedule your FREE consultation by calling: (813) 391-3448

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Open Enrollment is Right Around the Corner… Will you be ready?

Don’t let this year be the year you are scrambling to get things in order for open enrollment.  Use my Open Enrollment Guide below to help you through the process so that getting the right health care coverage doesn’t become a huge ordeal.  

 

Key Dates You Need To Be Aware Of Before Open Enrollment Begins:

  • The 2019 Open Enrollment Period: November 1, 2018, to December 15, 2018.
  • Plans sold during Open Enrollment start January 1, 2019.
  • If you don’t act by December 15, you can’t get 2019 coverage unless you qualify for a Special Enrollment Period.

 

Pre-Open Enrollment Checklist:

  • Household size:  Make a list of the people in your household that will be needing health insurance during 2018
  • Current mailing address for everyone who is applying for coverage
  • Birth dates for all household members
  • Social security numbers for everyone who will be getting coverage
  • Information about how you file your taxes
  • Estimate of what your household income will be for 2019
  • A list of any major life changes for each member of your household getting coverage such as  Marriage, Income, Moving, Births, Divorce, etc.

 

Understanding Special Enrollment Period (SEP)

Special Enrollment Period is a time outside of the yearly Open Enrollment Period that allows you to sign up for health insurance. The following circumstances qualify you for the special enrollment period (SEP):

  • Losing health coverage,
  • Moving,
  • Getting married,
  • Having a baby,
  • Adopting a child.

 

Did You Know? If you qualify for an SEP, you usually have up to 60 days following the event to enroll in a health insurance plan. If you miss that time period, you will have to wait until the next open enrollment period to get on a health insurance plan.

Medicaid & CHIP:  You can enroll in Medicaid and the Children’s Health Insurance Plan (CHIP) any time of year, whether you qualify for a Special Enrollment Period or not.

Job-based Plans:  These plans must provide a special enrollment period of at least 30 days if you are losing coverage due to changing jobs.

 

Tax Penalties:

These penalties will be going away.  If you do not enroll in a health insurance plan, you will no longer face fines or penalties for not carrying coverage.  However, that does not mean you will be fully treated anymore.  A hospital only has to stabilize you but they do not have to actually repair you or do follow on services.   As an example, they can treat the broken arm to stabilize it but they do not have to do the surgery to repair it like new unless you can show you have insurance or that you can pay for it another way..

 

Next Steps:

Now that you have a snapshot guide of what to expect during open enrollment for 2019, schedule time to speak with me so we can select the best plan possible for you, your family, and your situation.  A year without proper medical coverage could result in medical bills and expenses you weren’t expecting. Did you know medical debt is the leading cause of bankruptcy in the United States? This can be avoided if you have the proper coverage and plan in place.  I am here to help! Schedule your FREE consultation by calling: (813) 391-3448