When Your Insurer Changes Your Coverage
If your carrier just notified you about cancellation of your health insurance plan you probably feel surprised and upset. You might be wondering what your options are and whether you can get a new plan.
The short answer is yes, this qualifying life event may open up a special enrollment period for you. But keep track of when you were notified. You have only from 60 days before to 60 days after the day you lose coverage to find a new plan. Don’t wait until it’s too late to explore our selection of individual health plans.
Health Care Reform and Changing Plans
Know that you have choices. Plan cancellations are a reality. The good news is that most plans are changing for the better.
Due to the Affordable Care Act (ACA), coverage has expanded to include essential health benefits like preventive care, mental health services, maternity benefits and much more. Now that your old plan is no longer an option, we’re here to help you find something that suits your current needs.
Missed Your Special Enrollment Window?
We Can Help With That, Too
Short Term health insurance, also called Temporary insurance or Term health insurance, may be just the thing to get you to that next Open Enrollment period. It’s designed to bridge gaps so you’re covered until you decide on a long-term health care solution. Learn more about Golden Rule Insurance Company Short Term health insurance.F5
4 Tips for Finding the Right Plan – for You
1. Determine what type of plan you want
- Compare new plans to what you’ve had before.
- Check out the scope of benefits offered.
- Determine what benefits you like and what you don’t.
2. Look for coverage that meets your health care needs
- Do you visit the doctor’s office or hospital often?
- What are your dental or vision needs?
- Are there any medications you take regularly?
- What current or upcoming health needs do you have?
3. Figure out your health care budget
- Get a plan with a deductible, the amount you pay before your insurance pays anything, you are comfortable paying.
- Choose a monthly premium, what you pay to have your insurance coverage, that fits your budget.
4. Know the cost benefits of in-network care
- Look at your provider’s network options.
- Make sure your health plan covers the providers you need.
Tempted to Go without Health Insurance?
You might not be a huge fan of health insurance companies right now. We get that, but going without insurance just doesn’t make sense. You’d be taking too big of a risk.
1 Short term health insurance does not qualify as minimum essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Signing up for this coverage may result in a tax penalty. Plans are subject to medical underwriting, and do not cover preexisting conditions.
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