Mesaj Când este deschisă înscrierea la asigurările de sănătate? by Melinda Sineriz a apărut în primul rând pe La benzină. Vizita La benzină pentru a obține mai mult conținut grozav ca acesta.
If you’re getting health insurance through an employer, open enrollment is typically at the end of each year. When is open enrollment for health insurance if you’re buying it on your own? In the past, it’s been from Nov. 1 to Dec. 15, with coverage starting the following Jan. 1. The Department of Health and Human Services has proposed extending that period to Nov. 1 to Jan. 15. Learn more about open enrollment for health insurance.
Key Health Insurance Open Enrollment Dates for 2022 Coverage
- Open enrollment has typically been from Nov. 1 to Dec. 15.
- Some states have longer enrollment periods.
- Some states still have open enrollment for 2021 open, including California, Connecticut, Minnesota, New Jersey, New York and Vermont as well as Washington, D.C.
- Departamentul de Sănătate și Servicii Umane has proposed extending open enrollment to end Jan. 15
What is Open Enrollment for Health Insurance?
Open enrollment is an annual time when you can start, stop or change your health insurance. Employers typically have open enrollment annually for health insurance and other benefits. If you’re buying it on your own, then your state’s Health Insurance Marketplace will also have an annual open enrollment.
How to Sign Up During Open Enrollment
It can be confusing to know how to get health insurance. During the open enrollment period, you can enroll in a health insurance plan through the Marketplace. The Marketplace is a service that can help you find, compare and enroll in affordable health insurance plans.
To enroll in a health plan using the Marketplace, you must:
- Live in the United States
- Be either a U.S. citizen or national
You are not eligible for a health insurance plan through the Marketplace if you:
- Are incarcerated
- Have Medicare coverage
Most people use the Marketplace to find asigurare de sănătate la prețuri accesibile. It’s operated by the federal government for most states, although other states run their own Marketplace.
You can enroll in a plan during open enrollment in a few different ways:
- Online on either the federal or your state Piata
- Calling 800-318-2596
- Mailing in a aplicare pe hârtie
No matter which way you choose to enroll, you must submit information about your household and income. This information will be used to determine the types of plans you are eligible for. You may be eligible for premium tax credits and other savings to make your plan more affordable. You may also qualify for coverage through Medicaid and/or the Children’s Health Insurance Program (CHIP) in your state.
If you own a small business, you may be eligible for the Small Business Health Options Program (SHOP). This program can allow you to offer affordable health insurance coverage to your employees.
If you are already enrolled in your employer’s health insurance program, you should speak with your employer about continuing coverage. Your employer will be responsible for signing you up for coverage under an employer-sponsored health plan.
What Happens if You Don’t Sign Up During Open Enrollment?
If you don’t sign up for a health insurance plan during the open enrollment period, you may not be able to receive coverage for the upcoming year. In some cases, your state may extend the enrollment deadline. It’s important to check with your state to see what other options you may have. In most states, if you miss the open enrollment period, you’re at risk of being uninsured in the upcoming year.
If your circumstances change at any point throughout the year, you may be able to purchase a new health insurance plan. This is called a special enrollment period. You may also be eligible for premium subsidies if you are an eligible applicant. You must experience a qualifying event. See some qualifying events below.
Loss of Health Coverage
If you lose your health insurance at any point during the year, you may be able to access the special enrollment period. There are a few reasons you might lose health coverage. You may become unemployed and lose your employer-sponsored health insurance plan. Another is if you turn 26 and no longer qualify to be on your parents’ health insurance plan.
Change in Household Status
If there is a change within your household, you may be eligible to enroll in health insurance outside of the open enrollment period. Some of these changes may include getting married or divorced, having or adopting a child and a death in the family.
Change in Income or Residence
If there is a change in your residence, you may have to change your health insurance plan.
If your income greatly increases or decreases, your qualification for your current health insurance plan may change.
Become a U.S. Citizen
If you become a citizen of the United States outside of the open enrollment period, you will need access to a new health insurance plan.
Leave Incarceration
Ending your time in jail or prison is a qualifying life event that will allow you to enroll in a health plan outside of the open enrollment period.
Medicaid/CHIP Eligibility
If you qualify for Medicaid or the Children’s Health Insurance Program (CHIP), you can enroll in coverage at any time of the year. You will also be eligible for a special enrollment period if there is a change during the year that makes you no longer eligible for these programs.
If you become eligible for an employer-sponsored health plan at some point throughout the year, you will be able to enroll in your employer’s plan at that time. If none of these options are available to you, your options for health coverage outside of the open enrollment period are limited.
You may be able to receive coverage from policies that are not regulated by the Affordable Care Act. Most of these plans are designed to provide supplemental coverage and not intended to act as your only health coverage. Some of these options are:
- Farm Bureau plans: If you are a member of the Farm Bureau and live in Kansas, Tennessee or Iowa, this may be an option for you.
- Health care sharing ministry plans: These are faith-based nonprofit organizations that pool members’ money to share each other’s medical expenses.
- Short term health plans: Short term health plans are an option for coverage if you need to shore up the gap between your current plan and the next plan.
How to Get Health Insurance After Open Enrollment Ends
If you missed your state’s open enrollment period to cumpara asigurare de sanatate, you have other options.
Special Enrollment Periods
Special enrollment periods are opportunities to sign up for health insurance coverage outside of open enrollment periods. You typically qualify for a special enrollment if you’ve experienced a life event like marriage, divorce, the birth or adoption of a child, moving or losing other health insurance coverage. You may have 60 days before or after the event to enroll in a plan, depending on the type of event.
Health insurance plans from employers must allow at least 30 days for special enrollments.
Asigurare de sănătate pe termen scurt
Asigurare de sănătate pe termen scurt is another health insurance option if you’ve missed open enrollment and you don’t qualify for a special enrollment period.
Short-term health insurance is different from traditional health insurance, though. It’s not required to follow the rules for health insurance plans set by the Affordable Care Act (ACA). For example, insurance companies can deny your application for coverage based on your health. They also aren’t required to cover pre-existing conditions, including pregnancy.
Short-term health plans also tend to have high deductibles, and they have annual coverage limits. This is the most the plan will pay in benefits in a given year. Depending on the laws in your state, they can last up to 12 months and may be able to be renewed for a total of 36 months of coverage.
Short-term insurance plans do provide some coverage, and they’re less expensive than unsubsidized health insurance plans. If you’re considering buying short-term health insurance, be sure to review the plan details carefully so you know exactly what you’re buying.
How to Compare Health Insurance on the Marketplace
If you’re buying a plan from your state’s Health Insurance Marketplace, there’s a lot to consider. First, be sure to enter your financial information accurately, as this is what determines your eligibility for tax credits. These credits help cover the premiums (monthly costs) of your health insurance, which lowers your costs. Here are other factors to consider:
- Metal tiers: The Marketplace divides plans into 4 metal categories: Bronze, Silver, Gold and Platinum. Bronze plans have the lowest premiums and the highest coinsurance, which means you pay more when you need care. Platinum plans have the highest premiums and the lowest coinsurance. This means you pay more each month but less when you need care.
- Tipul planului: Health maintenance organizations (HMOs) and preferred provider organizations (PPOs) are 2 common types of plans you’ll see on the Marketplace. Both plan types have a network, which is a group of physicians and other healthcare providers who have contracted with the insurance company. With an HMO, you’re typically required to see doctors within the network unless you’re experiencing an emergency. With a PPO, you can see out-of-network providers, but you’ll pay more if you do.
- Fransiza: This is the amount you’ll pay for covered services before your plan starts paying.
- Copays and coinsurance: Copays are a fixed dollar amount you pay for items or services. For example, you might pay $5 for a generic prescription. Coinsurance is a percentage you pay for an item or service after you’ve met your deductible. For example, you might pay 20% of the cost of durable medical equipment like a wheelchair.
- Maxim din buzunar: This is the most you’ll pay out of pocket for covered services each year.
How to Buy Health Insurance on the Marketplace
To buy health insurance from the Marketplace, you’ll need to visit your state’s Marketplace website. We list some below, or you can visit healthcare.gov, which will direct you to your state’s Marketplace.
From there, you’ll need to create an account and answer questions about your age, gender, income, tax filing status, employment status and dependents. You’ll also need to enter the Social Security numbers of everyone in your household, even if they’re not applying for coverage.
Once you’ve completed your application, you’ll find out whether you’re eligible for a tax credit and how much that credit is. You can then review plans in your area and choose the cea mai bună asigurare de sănătate for your budget and needs. Once you select a plan, you’ll receive information on how to pay your first premium.
Quick Look: The 5 Best Carriers for Open Enrollment Health Insurance
- Cel mai bun pentru acoperire la nivel național: BlueCross BlueShield
- Best for PPO Plans: Humana
- Best for Preventative Care: Molina
- Best for Member Support: Aetna
- Best for Large Network and Flexible Plan Options: Generalul național
Open Enrollment Health Insurance Options: The 5 Best Carriers
Gata de a găsi cea mai bună asigurare de sănătate possible? Here are a few of our favorite options.
1. BlueCross BlueShield
BlueCross BlueShield offers coverage to residents across all 50 states. This means that it can offer you a large provider network. The company partners with local health care companies in different states.
The company you work with directly depends on which state you live in. For this reason, customer service can vary across its local partner companies. Overall, this insurance company is a great choice because it’s accepted at a large number of doctors’ offices and medical facilities.
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Blue Cross Blue Shield este format din 35 de companii separate care furnizează de asigurări de sănătate pentru aproximativ o treime dintre americani. Compania deservește toate cele 50 de state, Washington DC, Puerto Rico și multe zone internaționale.
În timp ce vă uitați la afiliații BCBS din apropiere, înțelegeți ce planuri de sănătate sunt disponibile, precum și costul asigurării de sănătate. Oferă o acoperire extinsă care oferă aproape fiecărui american oportunitatea de a achiziționa un plan de sănătate afiliat la BCBS. Cu toate acestea, asigurați-vă că citiți informațiile despre companie, deoarece primele și deductibilele ar putea să nu vi se potrivească și circumstanțelor dumneavoastră.
- Dorința unui medic nou cu o mulțime de opțiuni
- Fără plafon pentru limitele maxime anuale
- Acoperire cuprinzătoare cu reduceri și parteneriate exclusive
- Acoperire în toate cele 50 de state și în afara țării
- Acoperă atât medicamentele generice, cât și cele de marcă
- Rețea largă de medici, spitale și specialiști
- Planuri oferite prin intermediul companiilor regionale, ceea ce înseamnă că trebuie să consultați compania regională pentru politici specifice
- Linia principală de asistență pentru clienți poate fi dificil de contactat
2.Humana
Humana offers a number of affordable health insurance options that work for its members. Most of its affordable plans are health maintenance organization (HMO) plans. This means that you can only receive coverage for visits with providers in Humana’s network.
Since Humana is a large health insurance company with a wide range of participating providers, this shouldn’t be much of an issue. Humana provides competitive pricing on its premiums, no matter your age.
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Nu este ușor să alegi un de asigurări de sănătate companie. Doriți să vă asigurați că selectați cel mai bun transportator care vă va oferi cea mai bună protecție și are o reputație excelentă în industrie. Cu venituri anuale de miliarde, Humana Health Insurance Co., cu sediul în Louisville, Kentucky, este unul dintre cei mai mari furnizori de asigurări de sănătate din SUA și oferă acoperire pentru milioane de oameni. Humana este disponibil în toate cele 50 de state și vinde companiilor asigurări individuale, planuri Medicare și planuri de asigurări de sănătate de grup.
- Persoane cu vârsta de 65 de ani și mai mult și care doresc să se înscrie în Medicare
- Suplimente precum acoperirea dentară și a vederii
- Program de fitness gratuit
- O afacere de orice dimensiune
- Parteneriate cu Walgreens și Walmart pentru a vă oferi o acoperire extinsă pentru medicamentele eliberate pe bază de rețetă
- Recompense pentru obiceiuri sănătoase
- Rețea furnizor mare
- Planurile HMO sunt disponibile numai în 22 din 50 de state
- Nu sunt oferite planuri pe termen scurt
- Este necesar un plan mai costisitor dacă aveți nevoie de acoperire internațională
3. Molina Healthcare
Molina Healthcare offers several policy tiers to meet the needs of all customers. This health insurance company is only available in select states, so its network of providers is more limited than some of the other health insurance companies. However, Molina is unique in a couple of different ways.
It offers physical clinics and health centers in the states where its coverage is available. It also offers a number of wellness services to help its members make healthy decisions. For example, Molina Healthcare offers discounts for weight loss and smoking cessation programs.
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Molina Healthcare is a Fortune 500 company based in California that provides health plans under state marketplaces. It also provides healthcare services under Medicare and Medicaid. The company serves around 4.6 million people through the locally operated health plans it offers plans in 15 states.
Molina has a storied history of helping low-income patients receive healthcare regardless of their ability to pay for services.
It encourages diversity, equity and inclusiveness by offering a program to certify suppliers who are friendly toward women, minorities, veterans and others living with disabilities as well as the LGBT community.
- Familii cu venituri mici
- Îngrijire preventivă
- 3 to 4 tiers of health insurance plans
- Competitive quotes
- Focus on wellness
- Serviciul pentru clienți ar putea fi mai bun
- Nu este disponibil în toate statele
4. Aetna
Aetna offers a wide range of health insurance plans. Whether you’re seeking an individual, family or employer plan, Aetna likely has an attractive option for you. It also offers Medicare plans for qualified individuals.
You can also enroll in a health savings plan with Aetna. You can combine it with a high-deductible health plan to help you save money on any medical expenses you have.
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În trecut, planurile de asigurări de sănătate Aetna erau disponibile pe piețele Affordable Care Act (ACA) din toată țara. Deși Aetna nu mai oferă planuri conforme cu ACA, compania continuă să facă asistența medicală mai accesibilă prin acoperirea Medicare Advantage Partea D și prin planurile de asigurare dentară.
Opțiunile Medicare ale Aetna se extind în majoritatea părților țării, iar primele pentru planurile Advantage încep de la 0 USD pe lună. Partea D de acoperire, care ajută la plata medicamentelor eliberate pe bază de rețetă, începe de la aproximativ 7 USD pe lună în majoritatea statelor. În plus, Aetna oferă asigurări dentare și opțiuni de plan de reducere dentară de care poate profita oricine care nu are acoperire stomatologică prin angajator. În plus, Aetna oferă, de asemenea, o serie de beneficii suplimentare nevăzute cu alți furnizori de acoperire, inclusiv reduceri la medicamentele eliberate pe bază de rețetă și recompense pentru îndeplinirea obiectivelor de sănătate.
- Sprijinul membrilor
- Oferă mai multe oferte de aplicații mobile pentru a vă recompensa pentru atingerea obiectivelor de fitness
- Planurile de reduceri dentare pot include acoperire pentru medicamentele eliberate pe bază de rețetă
- Planurile Medicare Advantage sunt disponibile fără prime lunare
- Asigurarea vederii este disponibilă numai atunci când este achiziționată cu un plan stomatologic
- Asigurarea de sănătate conformă ACA nu mai este disponibilă
5. National General
Are you in need of a short term insurance option? You may want to check out National General. This company has been around since 1920 and specializes in short term policies.
It offers coverage for many routine medical needs, such as doctor visits, diagnostic testing and visits to emergency rooms and urgent care facilities. It also offers a quick turnaround time so you can get covered sooner rather than later. National General’s policies do tend to have premiums that are higher than average, but it can offer good coverage if you’re short on options.
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Get next day short term health insurance coverage from National General Health Insurance. Licensed agents are waiting to help you find the right coverage today.
- Families and individual plans
- Anybody who needs temporary health insurance
- Licensed agents available for help
- Telemedicine available
- Flexible policy terms
- Short term health plans offer limited benefits
Buy From the Marketplace in Your State
As noted above, some states have their own marketplaces. In these states, you’ll need to complete the steps outlined above on the state Marketplace website rather than through the federal exchange. Here are state-specific marketplaces.
List: State Health Insurance Marketplaces
- California State Marketplace: California acoperită
- Colorado State Marketplace: Connect for Health Colorado
- Connecticut State Marketplace: Access Health CT
- District of Columbia State Marketplace: DC Health Link
- Idaho State Marketplace: Your Health Idaho
- Maryland State Marketplace: Maryland Health Connection
- Massachusetts State Marketplace: Massachusetts Health Connector
- Minnesota State Marketplace: MNsure
- Nevada State Marketplace: Nevada Health Link
- New Jersey State Marketplace: Get Covered NJ
- New York State Marketplace: New York State of Health
- Pennsylvania State Marketplace: Pennie
- Rhode Island State Marketplace: HealthSource RI
- Vermont State Marketplace: Vermont Health Connect
- Washington State Marketplace: Washington Healthplanfinder
Choosing Health Insurance
Open enrollment is a great time to buy health insurance. Whether you’re buying a plan from an employer or the Marketplace, dig into the plan details before deciding which one to buy. Explore Benzinga’s asigurare information to learn more about ways to protect your family’s financial future.
Întrebări Frecvente
What is the health insurance marketplace phone number?
The federal Health Insurance Marketplace phone number is 800-318-2596. You can also look for a local health insurance agent or broker or assister or ask to be contacted by an agent or broker. Agents and brokers are licensed insurance agents who are trained and registered by the Marketplace and paid by insurance companies. Assisters are trained and certified people who can help you apply for a health insurance plan or for Medicaid. They are required to provide fair and impartial information.
Este necesară asigurarea de sănătate?
The federal mandate that required health insurance has been lifted but some states have enacted state-level mandates that require residents to have health insurance.
What does health insurance cover?
Most health insurance plans provide the 10 essential health benefits that were part of Obamacare requirements. Coverages include preventive and wellness services, prescription drug coverage, emergency services, ambulatory services, lab services, pediatric services, and more.
How can I save money on health insurance?
For healthcare plans that comply with the Affordable Care Act, only a handful of rating factors affect your premium. These include age and location, at least one of which can’t be changed. Smokers will pay more in most cases and your choice of plan level can affect premiums as well. Choosing a high deductible health insurance plan can reduce the cost of premiums.
Mesaj Când este deschisă înscrierea la asigurările de sănătate? by Melinda Sineriz a apărut în primul rând pe La benzină. Vizita La benzină pentru a obține mai mult conținut grozav ca acesta.
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