How can I get a Major Medical plan or Obamacare plan today ?

Prior to 01/01/2014, individuals and families could get major medical coverage anytime.  Now, not so much.  There are, however many alternatives to major medical available.  Just contact me to go over those options.

Starting in 2014, a Special Enrollment Period (SEP) is necessary in order to get major medical coverage within or outside of the Marketplace.  As an example, outside of the Marketplace, an insurer may ask for proof of the Qualified Life Event before coverage is accepted.

In order to qualify for an SEP, below is an overview of Qualified Life Events:

Did you or anyone in your household lose health coverage in the last 60 days OR do you expect to lose it in the next 60 days? 

Examples of coverage loss that qualify you for a special enrollment period:
(Voluntarily giving up coverage does not qualify you for a special enrollment period.)

• Did you or anyone in your household lose health coverage in the last 60 days OR do you expect to lose it in the next 60 days? 
• Losing work coverage for any reason
• Lost coverage due to divorce or other changes in family status
• Policy or plan year ended for policy you bought yourself
• COBRA coverage expired
• Turned 26 and aged off a parent's health plan
• Lost eligibility for Medicaid or CHIP

Did you or anyone in your household experience any of the following in the past 60 days?

Changes in household size:

 Got married
 Had a baby
 Got divorced and lost health insurance
 Adopted a child or had a child placed with you for foster care
 Death

Changes in circumstance:

 Moved outside your health plan’s coverage area
 Had a change in income

Changes in status:

 Gained citizenship or lawful presence in the U.S.
 Released from incarceration (prison or detention)

Are you a member of a federally recognized tribe, or an Alaska Native corporation shareholder?

For assistance in navigating the complexity of the new health options, please contact me through psyberquote.com .