Tag Archives: open enrollment

Supporting Documentation for Marketplace Policies

Many individuals who enrolled in Marketplace policies during the Affordable Care Act open enrollment period may have received notification that supporting documentation (proof of income/citizenship) would need to be forwarded by a specific date to finalize qualification for subsidies. When required, this information is listed on the formal subsidy eligibility notice which is sent to […]

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More Critical Details

 For those who enrolled on the Marketplace for health insurance and who received a subsidy, please look over the list below. 1-      Those individuals who have health insurance available through an employer are not eligible for a subsidy.  Whether the employer provided plan is good or bad, availability of coverage is one of the knock […]

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Tick Tock

Websites are freezing at both the insurance carriers and at the federal Marketplace as time is drawing near for the end of the 2016 health insurance open enrollment period.  Phone lines to both sets of providers are busy and disconnects after interminable holds are once again the norm. December 15 marks the last day to […]

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Marketplace Update

Now that we are in our third year of the Affordable Care Act many of us have prepared ourselves for the ongoing nightmare of working with our clients to qualify for Marketplace subsidies. The last two years have been marked with website crashes when we tried to enroll individuals electronically and interminable time on hold […]

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“Affordable Care” Act: Year 3

The third annual open enrollment period opened on November 1 and we are all digging in to find the differences from last year’s plans to this year’s benefits. The devil is in the details, so here are the major considerations for choosing a plan this year: What does the plan deductible apply to? We can […]

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Call Your Broker

Open enrollment for individuals and families who buy their own health insurance begins on Sunday, November 1. That is the day that we will all be told which carriers will be providing plans in our area, what the plan designs will look like and what the premiums will be. Many people take this task on […]

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Do I Really Rarely Use Medical Services?

I have spent a bit of time recently writing about how to determine what type of health insurance plan best suits our needs based on how much healthcare we use. While thinking about this I discovered that who I thought I was is really different from who I really am. If asked, I would say […]

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Unpleasant Surprises

In our agency dealings we come across a lot of “gotchas” in many parts of the employee benefits picture. Whether our clients are individually enrolled or are part of employer based plans the surprises are very similar. Here are the latest unpleasant surprises we have run into: Many of us are not clear about non-emergency […]

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It’s the Last Quarter of the Year

What does this mean relative to our health insurance and other benefits? We should not postpone any treatment because we don’t think we will meet our deductible for the year. Most health insurance plans credit claims that go toward deductibles in the last quarter of the year into the next year. So, if we feel […]

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Prescription Review

The start of the Medicare Open Enrollment period is a scant two weeks away, so it is time for us to line up our pill bottles and prepare for our annual prescription review. Open enrollment for those of us under age 65 is a scant month away. Each year prescription formularies change for all carriers […]

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