What to know about open enrollment for health insurance

Posted by Reeve Staff in Daily Dose on November 05, 2018 # Health, Insurance

Open enrollment has begun for insurance coverage from Medicare or the Affordable Care Act. If you need coverage, or are looking to change plans, there two periods of time to be aware of:

  • Medicare open enrollment begins on October 15th and ends on December 7th.
  • Open enrollment for private insurance through the Affordable Care Act’s Health Insurance Marketplace begins November 1st and ends December 15th.

If you do not enroll in a marketplace plan by December 15th, you cannot enroll in a plan for 2019 unless you qualify for a Special Enrollment Period. Coverage for both Medicare and the Health Insurance Marketplace plans begins on January 1, 2019.

While choosing a plan, thoroughly research and weigh the benefits to ensure you are receiving the proper coverage. You can call the insurer to ask about the copay assistance card/coupon, and how it will count towards your out-of-pocket limit.Currently, there are a number of insurance plans that will no longer count copay assistance toward a beneficiary’s deductible and maximum out-of-pocket limit. This can end up costing you or your family thousands of dollars in unexpected costs.

For more resources on applying for insurance, contact our Information Specialist team.

Sources: Medicare.gov, Multiple Sclerosis Association of America, HealthCare.gov

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