By Possibly you selected a plan you need to alter or the deadline caught you without warning. You possibly can nonetheless change! Though the December fifteenth deadline to buy a well being plan that begins Jan 1st, 2017 has come and handed, however there should still be some choices obtainable for you.
Can I nonetheless get a plan that begins Jan 1st?
Possibly. A couple of insurance coverage corporations have prolonged the deadline. We’ll hold this checklist up-to-date with information that we right here.
[Last Update: Dec 18th, 2016]
Scott & White PPO & HMO – Deadline prolonged for off-exchange plans till Dec seventeenth.
Memorial Hermann PPO & HMO – Deadline prolonged for off-exchange plans till Dec nineteenth at 11:59pm CST.
Blue Cross – Will settle for off-exchange plans till Dec twentieth at 1:59am CT. Market plans will observe {the marketplace} deadline beneath.
Oscar – Off-exchange plans might be accepted for Jan 1st begins till Dec thirty first.
Medi-Share (faith-based) – Accepting off-exchange functions till Dec twentieth for Jan 1st begin.
Market plans – ALL Market plans have had the Jan 1st deadline prolonged till Monday, Dec nineteenth. This contains Blue Cross Blue Defend, Molina, Ambetter, CHRISTUS, Oscar, Precedence, HAP, and others. Choose a plan and enroll at TakeCommandHealth.com and we’ll submit it for you so you do not have to attend in-line or on maintain with Healthcare.gov.
Particular Enrollments
Even when the deadlines above cross, you should still have the ability to get a Jan 1st begin if you happen to qualify for a “particular enrollment”. These are life modifications that enable a person to enroll outdoors of Open Enrollment. You should still be eligible for a January 1st begin date if within the final 60 days you:
- Modified jobs
- Moved cities
- Received married or divorced
- Had or adopted a child
- Had a loss of life within the household (who was in your present insurance coverage coverage)
If considered one of these occasions or different particular enrollment occasions apply, please choose a plan and full your utility on TakeCommandHealth.com after which make a remark within the feedback concerning the particular occasion. You will have to electronic mail us too at assist@takecommandhealth.com and supply extra info. Some carriers could require documentation that we may also help you with too. the top.
Quick-Time period Plans (Temp Plans)
If not one of the above apply, you may nonetheless get well being protection for 2017 as Open Enrollment runs by way of Jan thirty first. In the event you apply earlier than Jan fifteenth, your plan will begin Feb 1st. If after Jan fifteenth however earlier than the ultimate deadline on Jan thirty first, your plan will begin Mar 1st.
In the event you’re altering plans, you might hold your outdated one for a month or two after which begin your new one for many of 2017. The potential draw back could be if you happen to spend any cash for care that utilized to your deductible, it might be misplaced.
Maybe a greater resolution or if you do not have insurance coverage for Jan or Feb could be short-term insurance coverage. Quick-term plans are nice as a result of they will begin the following day after you apply and are tremendous inexpensive. They supply nice protection if you happen to’re injured or sick and may hold you and your loved ones lined. The catch is they will not cowl any pre-existing situations and are not good for routine care. We usually suggest getting the most cost effective short-term plan and making an attempt to schedule routine visits as soon as your main medical plans begins. Whereas short-term plans do present nice protection, they do not depend as certified plans within the eyes of the IRS and Obamacare, so you may’t have one for greater than 3 months with out being topic to potential tax penalties. In the event you’re simply bridging a Jan or Feb hole, it is an incredible possibility! E-mail us at assist@takecommandhealth.com and we’ll level you to some good short-term plans in your space.
Subsequent steps
If in case you have any questions, we’re nonetheless working and obtainable to assist! E-mail us at assist@takecommandhealth.com.
If you wish to see which choices above can be found in your space, press “Let’s Go” to start out our survey. We’ll assist you to seek for your medical doctors and prescriptions to ensure it is an incredible match. You possibly can enroll instantly on our website and we’ll ensure you get a Jan 1st begin if you happen to meet these deadlines above.
