Can I Still Get Health Insurance Effective January 1, 2015?

Buying Health Insurance Effective Jan 1The answer is maybe.

Although the deadline has passed for most people to secure 1/1 coverage, an exception is made when a qualifying event triggers a special enrollment period.

One such qualifying event is the loss of minimum essential coverage.

If your current 2014 policy is a pre-Affordable Care Act (ACA)-compliant plan (one which was in force and you renewed before January 1, 2014) that coverage will no longer be offered after December 31.

Loss of this coverage counts as a qualifying event and gives you until the end of December to purchase a new ACA-compliant plan effective January 1, 2015.

(Note if you have a grandfathered plan, your coverage will not expire on 12/31 and you do not need to secure ACA-compliant coverage.)

Virginia Medical Plans Can Help

If you have a pre-ACA plan which is expiring at the end of 2014, please get in touch with us right away to discuss your options for new coverage starting January 1.

Here are two great resources to check out for more information:

If you live in Virginia and you think you will be eligible for a subsidy based on your anticipated 2015 adjusted gross income, visit www.enrollvirginianow.com.

If you will not be eligible for a subsidy, visit www.vamedicalplans.com.

Not sure if you’re eligible?  Use this chart to find out:

# People in Your Household

1

2

3

4

5

6

You may qualify for a 2015 premium subsidy if your yearly household income is between …

$11,670 -$46,680

$15,730 – $62,920

$19,790 -$79,160

$23,850 – $95,400

$27,910 – $111,640

$31,970 – $127,880

Open Enrollment for 2015 Plans

Remember, you don’t need a qualifying event to purchase 2015 coverage during Open Enrollment.  Anyone can buy a plan from now until February 15:

If you enroll in coverage … Your coverage will begin …
November 15, 2014 – December 15, 2014 January 1, 2015 (deadline passed)
December 16, 2014 – January 15, 2015 February 1, 2015
January 16, 2015 – February 15, 2015 March 1, 2015

Please don’t wait until the last minute!  Get in touch to go over your options and secure the best coverage for your needs.

Reach us by phone at 703-707-8270 or 1-888-396-2341.

While we are closing in on the DECEMBER 15 DEADLINE to purchase  JANUARY 1 COVERAGE –

Please use our QUICK GUIDE to get started on enrollment right away.

We are available by phone to help (703-707-8270 or 1-888-396-2341).  Our email boxes are overflowing, so please — do not use email!

Follow the steps in the guide to determine first if you will be eligible for a subsidy.

 

From there, explore your options, again, following the steps in the Guide.

Once you have found an option that meets your needs, you can go ahead and apply —  following the instructions in the Guide — either online or on paper.  If you are completing a paper application, simply fax it in to us, using the instruction sheet included with the application.

Brochures for all products, as well as paper applications, can be found on our Resources page.

We have hired an experienced agent, Brandon Boushell, and our team will be working until midnight every night to handle this unprecedented volume. Please call and if we are on the other line, leave a message.  Either Jon or Brandon will get back to you.

Again, please do not email us at this time as our email boxes are full!

Keep in mind also that the most important thing is to get you enrolled by Dec 15.  If we need to make adjustments to your coverage later, we can do that (just remember in some cases, a change could cause your deductibles to reset.)

IMPORTANT REMINDER:  We are unable to properly respond to emails during this busy time. 

If you need assistance, please CALL OUR OFFICE at 703-707-8270 or 1-888-396-2341.

Open Enrollment for 2015 health insurance has begun!  You may be wondering — EXCHANGE or NO EXCHANGE?

Buy Coverage On Exchange or Off Exchange

Exchange or No Exchange?

Should you go through your state’s health insurance exchange (in Virginia, the federal marketplace) or purchase coverage directly from a carrier?

The good news is, whichever route you choose, Virginia Medical Plans can help, as we are an authorized broker both on the exchange (in Virginia and DC), and off the exchange for all major carriers (in Virginia, Maryland, and DC).

Expedited Exchange Enrollment for Virginia Residents

NEW this year, we are excited to offer free expedited enrollment for Virginia residents who qualify for a subsidy (see chart below).  Click here and enter your zip code to get started.  You won’t believe how easy it is!

Why Buy Coverage on the Exchange?

The single most important reason to purchase your health insurance on the Exchange is that it is the only way to collect a subsidy to help pay for coverage.

Eligibility for a subsidy is based upon household income as follows:

# People in Your Household

1

2

3

4

5

6

You may qualify for a 2015 premium subsidy if your yearly household income is between …

$11,670 -$46,680

$15,730 – $62,920

$19,790 -$79,160

$23,850 – $95,400

$27,910 – $111,640

$31,970 – $127,880

If you are eligible for a subsidy, you must purchase coverage on your state’s exchange:

VIRGINIA RESIDENTS – skip the wait on healthcare.gov and use our free expedited online enrollment.  Click here and enter your zip code to get started.

DC RESIDENTS – visit dchealthlink.com.  Once you have created an account enter our reference number – 5376842 when asked to “select the trained expert assisting you.”

MARYLAND RESIDENTS –  visit marylandhealthconnection.gov (at this time we are not working with the Maryland exchange).

Why Buy Coverage OFF the Exchange?

If you are not eligible for a subsidy, then we always recommend you consider plans offered off-exchange.  Why?

Wider Provider Networks:

Wider networks mean access to more doctors, pharmacies, hospitals, etc. when you need care.  We even have found cases where the same carrier offers plans both on and off the exchange, and the off-exchange plans have different networks than the exchange plans. One of the primary carriers in Virginia, for example, has a significantly reduced network of hospitals on the exchange version of its plans.

More and Better Options in terms of deductibles, co-pays, coverage, etc:

Although all plans — sold either on- or off-exchange — will cap 2015 out-of-pocket spending at $6,600 for an individual and $13,200 for a family, the more flexible the options, the better the selection in terms of finding the right balance for your particular needs, wishes, and budget.  For example, if you would have trouble paying a high monthly premium, you may be better off with a plan that has a higher deductible.  More options off-exchange mean a better likelihood we can find the right plan for you.  Click here for more information.

Avoid a Gap in Coverage

If you were covered on an individual plan (vs. coverage you got through your employer) in 2014, your coverage will expire on December 31, 2014.

In order to avoid a gap in coverage, you must purchase a new plan by December 15, 2014 to have new coverage in place on January 1, 2015.

As you can imagine, in these early weeks of Open Enrollment, we are experiencing an extraordinarily high volume of calls and emails.  But we want to help!  You can get started right away by clicking on one of the links below.

For exchange coverage in VA, apply instantly: Expedited Exchange Enrollment for Virginia Residents

For off-exchange coverage in VA, MD, or DC, get instant quotes: Instant Health Insurance Quotes

To apply with the carrier of your choice, access our Quick Guide to choosing 2015 health insurance and follow the links within.

The best way to reach us during the busy Open Enrollment season is by phone:  1-888-396-2341.

Thank you for your patience as we work diligently to respond to every call. 

 

assurant-sm

Instructions for Enrolling in a 2015 Off-Exchange Policy with Assurant Health

If you have not yet purchased 2015 health insurance, we can help!

We are excited that Assurant Health is offering a national PPO network option for 2015.  This means access to in-network care, nationwide.  Assurant is offering nationwide access through Aetna’s national PPO network.

If you are ready to enroll in an off-exchange plan with Assurant Health,

click here to apply online.

When Should You Enroll in 2015 Coverage?

Open Enrollment for 2015 plans runs from November 15, 2014 through February 15, 2015. Click here to learn when your coverage will be effective, based upon the date you enroll.

If you are enrolled in a 2014 plan, your current coverage will expire on December 31, 2014. You must enroll in 2015 coverage by December 15, 2014 for your new plan to begin on January 1, 2015 and avoid a gap in coverage.

After February 15, 2015, you will not be able to enroll in 2015 coverage unless you have a qualifying event like change in family status, change in job status, etc.

Note: If you live in Virginia and think you may be eligible for a subsidy (see chart below), you must purchase coverage through the Federal Health Insurance Marketplace to receive the subsidy.  Visit www.enrollvirginianow.com to enroll instantly in Marketplace coverage.

# People in Your Household

1

2

3

4

5

6

You may qualify for a 2015 premium subsidy if your yearly household income is between …

$11,670 -$46,680

$15,730 – $62,920

$19,790 -$79,160

$23,850 – $95,400

$27,910 – $111,640

$31,970 – $127,880

Virginia Medical Plans Can Help

The best way to reach us during the busy open enrollment season is by phone:  888-396-2341.  We are working until midnight each day to make sure we get to all of our calls!

Please be patient as we manage a high volume of calls.  Due to the unusually high volume it may take several days for a response but we WILL get back to you!