Not Eligible for Medicaid
You may qualify for a Special Enrollment period when you can purchase your own health insurance plan if you lose your existing health insurance coverage under Medicaid or Children’s Health Insurance Program (CHIP) because:
- You lose your Medicaid eligibility (because you have a change in household income, for example).
- Your child passes the maximum age for CHIP coverage.
Let us help you determine if you qualify for that Special Enrollment and review your health insurance options today!
Shore Up a Temporary Situation
Just because your income is low today doesn’t mean it always will be. You can take advantage of a temporary Short Term health insuranceF5 plan that can last from 30-360 days.F73 You can drop your coverage anytime, whenever your situation changes.
Cover Your Needs for the Long Haul
Our insurance plan portfolio offers you a broad range of coverage, plan types, deductibles and supplements – each with its own particular advantages. Our goal is to provide you with comprehensive and personal health plan choices that fit your needs and budget.
The advantages of your own health plan
- Fitted – You can select a plan that’s a good fit for your specific health concerns or tight budget.
- Portable – You can base your job decisions on your career goals, not the benefits offered.
- Stable – If your job changes, you keep your plan and any deductible you’ve paid.
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.
1 Short term plans are medically underwritten. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.
2 Length available varies by state.
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