Archives For Anthem Blue Cross Blue Shield

Anthem BC/BS of Virginia

Instructions for Enrolling in a 2015 Off-Exchange Policy with Anthem Blue Cross/Blue Shield of Virginia

If you have already discussed a plan with us and you are ready to enroll in an off-exchange 2015 plan with Anthem BC/BS, starting on November 15, 2014, you can apply by:

    1. Processing an online application directly with Anthem. Click here to begin.
    2. Completing a paper application. Click here to access the 2015 Anthem application, and follow our instructions on the first page.

For more information on 2015 Anthem BC/BS Virginia health insurance plans click here.

If you have not yet spoken to us about your health insurance needs, give us a call or email us today to get started!

800-867-0800 or jkatz@vamedicalplans.com

Remember, you will be subject to a penalty tax if you are not covered by a qualified health insurance plan.

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. Click here for instructions on using the exchange.

# People in Your Household

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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

We are available to help you understand your options and choose the best plan to meet your needs.

You may reach us by phone at 800-867-0800 or email at jkatz@vamedicalplans.com.

Please be patient as we manage a high volume of calls and emails.

Anthem BC/BS of Virginia

Instructions for Enrolling in an Off-Exchange Policy with Anthem Blue Cross/Blue Shield of Virginia

If you have not yet purchased 2014 health insurance, there is still time and we can help!

If you have already discussed a plan with us and you are ready to enroll in an off-exchange plan with Anthem BC/BS, you can apply by:

    1. Processing an online application directly with Anthem.  Click here to begin.
    2. Completing a paper application.    Click here to access the Anthem application, and follow our instructions on the first page.

For more information on 2014 Anthem BC/BS Virginia health insurance plans click here.  For details on Anthem’s drug formulary click here.

(What is a drug formulary?  Click here to learn more.)

If you have not yet spoken to us about your health insurance needs, give us a call or email us today to get started!

800-867-0800 or jkatz@vamedicalplans.com

Remember, you must enroll by March 31, 2014 in order to avoid the penalty tax.  After March 31, you will not be able to enroll in 2014 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.  Click here for instructions on using the exchange.

# People in Your Household

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

$11,490 -$45,960

$15,510 – $62,040

$19,530 -$78,120

$23,550 – $94,200

$27,570 – $110,280

$31,590 – $126,360

Please be patient as we manage a high volume of calls and emails.  We are also experiencing delays when contacting the insurance carriers!

Race Against the Clock to Enroll in Health Insurance by December 23

December 23, 2013 is Almost Here

It may feel like a race against the clock, but there is still time to enroll in health insurance by the December 23 deadline.  Enrolling by that date will ensure you’re covered by January 1, 2014.

What Should You do if You Have Not Gotten Health Insurance Yet?

First of all, don’t panic!  You still have a bit of time!

  (Note: Maryland residents now have until Dec 27 to get coverage.)

Buying a Policy Off-Exchange

If you have already discussed a plan with us and you want to secure an off-exchange plan, you can process an online application directly with the carrier we have chosen together.  For your convenience, here are direct links to several insurance carriers that we work with:

Buying a Policy On the Exchange

We, like brokers and insurance carriers all over the country, are bracing for an anticipated surge in activity on the online health insurance exchanges.   We continue to work with clients on getting coverage through the exchanges, so please bear with us with the expected high volume.

If you have already discussed an exchange plan with us and you are ready to complete the online application process,  click here for information on how to access your state’s exchange.

Payment Deadline Extended

The good news is that most carriers have extended the payment deadline to January 10, 2014.  This extension gives a bit of breathing room — both for the insurance carriers who have to process the billing and payments, and to policyholders who need to make the payment.

Virginia Medical Plans is Here to Help

As always, please don’t hesitate to contact us for assistance.  As we have been reporting the last several weeks, we are dealing with an extraordinarily high volume of calls and emails, but please be assured we will return every call or email!

Anthem Logo


Click on the Anthem logo to browse 2014 plans.

If you are currently covered by an individual Anthem Blue Cross Blue Shield health insurance policy (vs. one you get through your employer) we have some critical information for you.

Anthem policyholders either already have received or will receive soon a letter from Anthem explaining the options for complying with the new health care law — the Affordable Care Act (also known as “Obamacare”).

Here is a summary:

If you have a Non-Grandfathered Plan

(A non-grandfathered health plan is one that was purchased on or after March 23, 2010.  Learn more.)

Option 1 – Transition to a New Anthem ACA-Compliant Plan

Depending on your policy anniversary date, Anthem may offer to transition you to a new ACA-compliant, off-exchange plan on your next renewal date.  Anthem will offer you a new plan that is as close to your current plan as possible.  To accept this offer, you must sign and return the Acceptance of Health Plan form included with your mailing.

Note: if you are eligible for a subsidy under ACA, Virginia Medical Plans can help you purchase your insurance on your state’s exchange so you can receive the subsidy.

Option 2 – Renew Early

For policyholders with an anniversary date between February – November, 2014, you have the option to renew your current plan early.  Your new policy effective date will be December 1, 2013. Renewing early allows you to keep your current coverage, at December 2013 rates, through November 30, 2014.  At that time, you will need to choose an ACA-compliant plan.  Early renewal simply delays the requirement to comply with the law.  Click here to learn why early renewal may be a good choice.

You should have received a New Policy/Contract Offer Acceptance Form with your Anthem mailing that must be completed and sent back to Anthem by November 15, November 30 December 16, 2013* if you choose to renew early.

*Date extended twice.  Update as of 11/27/13: you have until December 16 to renew early.

 Option 3 – Apply for a new ACA-Compliant Plan

From October 1, 2013 – March 31, 2014, Virginia Medical Plans can help you  enroll in any on- or off- exchange plan that will be effective in 2014.  Click here for a free quote on a new Anthem plan.

Note:  You will have the opportunity to indicate whether or not you believe you are eligible for a subsidy.  If you are eligible, we can help you purchase insurance through your state’s exchange so you can receive the subsidy.

If you have a Grandfathered Plan

(A grandfathered health plan is one that was purchased before March 23, 2010 and has been continuously in effect since then.  Learn more.)

Option 1 – Remain on Your Current Plan

But first do a little research to be sure that both the coverage and current pricing still make sense for you.  Give us a call or email us to discuss.

Note:  If you are eligible for a subsidy under ACA, we can help you purchase a new plan on your state’s exchange so you can receive the subsidy.

Option 2 – Choose a New ACA-Compliant Plan

We recommend you research whether or not a new plan would be a better fit for you.  But remember, once you terminate a grandfathered plan, your grandfathered status is pierced and you can not go back to that plan.

Note:  If you are eligible for a subsidy under ACA, we can help you purchase a new plan on your state’s exchange so you can receive the subsidy.

Click here to browse 2014 Anthem plans.

Whatever your situation, Virginia Medical Plans can help you make the decision that makes the most sense for you.  But it’s tricky, so give us a call or send us an email.

Quick Link:  Anthem online