Open Enrollment: What You Need to Know
December 3, 2015 at 8:32 pm
Like the rest of us, you’re looking for “the best coverage at the most reasonable price”, right? If you have read through the guide to the Healthcare Marketplace, you would know that, unfortunately, there is no plan by that name. So, what’s the next step? Some of us will procrastinate, some may give up, and some will click through, cross our fingers, and hope for the best. A word to the wise: Seek out counsel – don’t go it alone.
Don’t navigate solo. At True Health, we have certified application counselors available at all of our locations to help you look for health coverage options through the Marketplace. A certified application counselor is a health insurance expert that knows the ins and outs of the Marketplace. They are here to outline all the information you will need to apply, complete an application for coverage, describe the features of benefits such as deductibles and co-pays, give you a summary of your benefits, and explain eligibility for public and governmental programs – all at no cost to you!
Our certified application counselors are also trained to guide you through the process of applying for financial help such as food stamp benefits, Medicaid, and cash assistance. If you’re feeling overwhelmed or confused about how to obtain health care or financial help, don’t go it alone. Call 407-322-8645 today and let the experts at True Health help.
Important dates for 2016 enrollment
- November 1, 2015: Open Enrollment started – first day you can enroll in a 2016 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2016.
- December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016.
- January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
- January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016.
- January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.
If it seems too good to be true, it probably is. The Affordable Care Act all around us, scammers are out and about! Keep your eyes and ears open because unfortunately, there are people out there trying to make a quick buck off you. They know you are vulnerable and they know you have questions about the new Healthcare Marketplace. Remember, health care providers offer services from trained and certified counselors to help you at no cost.
Follow these tips and don’t get scammed!
- Do not give money or personal information over the phone, through email, or via door to door – it could be an identify theft scam. The government will never solicit information from you.
- If they say things like: “You must get insurance now or you will have to pay a penalty”, “I can help you navigate through the Health Insurance Marketplace for a fee”, or “I’m from the government/Obamacare/etc.”, they are lying.
- Research the company online (Google them!) to find out about them and see if any complaints have been made.
- Check the company’s license with your state’s department of insurance.
If you suspect fraud, make a report within the organization itself, as well as to the Federal Trade Commission and your state’s department of insurance.