Apply on time
The government is extending Affordable Care Act (Obamacare) Open Enrollment this year. It begins November 1st and goes through January 15, 2022. That’s a month longer than past years.
BUT if you want health insurance to begin January 1, 2022, you must apply by December 15, 2021.
If you wait until December 16th, your insurance will not start until February 1st.
After February 15, unless you can document a qualifying event like losing benefits, ending COBRA, getting married or divorced, having a child, moving from another state, you will not be able to apply for the major medical health insurance the Affordable Care Act provides.
Pay on time
If you already have a policy and there are no changes, it may just roll over.
BUT make sure your premiums are up-to-date. The premium for a January 1st policy must be received by January 31st. If you’re behind, the premium you send in January will go to catch up on the months owed, not to satisfy the January premium deadline. You may lose your coverage. Call the phone number on your current insurance card to make sure you’re up-to-date.
Take advantage of the Special for New Groups
Blue Cross offers Entrepreneurial Small Group insurance. Apply for a January ,2022 start and requirements of how many must enroll and employer contribution will be waived.
All paperwork must be completed by December 15th.
Take Advantage of Temporary Health Insurance anytime.
Temporary/Catastrophic health insurance is available to individuals and families in good health. It is not Affordable Care Act compliant. There is underwriting and not all are accepted. We can help you apply at any time.
Meet Medicare deadlines
October 15-December 7 is enrollment time:
- If you turned 65 but have never signed up for Medicare
- If you have your Medicare card but never signed up for Part D (prescription coverage)
- If you have a Medicare Advantage plan and want to switch or change to Medicare Supplement.
The agents at Jerry S. Pearlstein Insurance are here to help you in all these areas. Visit our website: www.jpearlsteinltd.com or start the conversation with a call to 847-362-8888.