How does the Health Insurance Open Enrollment work?
What does open enrollment mean?
Open enrollment is a specific time period of the year during which you can enroll in a plan for the first time, cancel or change your existing plan, or add a spouse and/or dependents.
Because there are many different ways you can customize your health plan, you might feel overwhelmed trying to sort through all the options to narrow it down to one plan that would best fit your needs and at the most competitive rate.
Having an independent agent assist you will not cost you more money, but will help you save money and better understand your benefits. They can also help ensure you receive the personalized and attentive service you deserve even throughout the time you’re enrolled in the policy.
What are the dates for Open Enrollment?
For Non-Medicare Eligible Individuals:
November 1, 2015 through January 31, 2016
Applications submitted November 1 through December 15 will be have an effective date of January 1, 2016.
Applications submitted from December 16 through January 15 will have an effective date of February 1, 2016.
Applications submitted from January 16 through January 31 will have an effective date of March 1, 2016.
Contact us if you’re interested in applying directly through Kaiser Permanente.
For Medicare Eligible Individuals:
Annual Enrollment Period (AEP) Began on October 15, 2015 and ended on December 7, 2015. During that time you can add, drop, or switch to a different Medicare Advantage Health Plan or stand-alone prescription drug plan. However, you may be eligible for a special enrollment period (SEP) that would allow you to enroll or make changes outside of the AEP if for example you recently moved here or lost or will be losing other health coverage involuntarily.
If you’ve recently become eligible for Medicare you may also be able to apply for a Medicare health plan and/or prescription drug plan.
Contact us to see if you can still enroll or make changes to your Medicare health plan or prescription drug coverage.
For Groups with one or more employees:
You have a rolling open enrollment period so adding a new plan can take place throughout the year. If you already have an in-force group policy, generally changes to your coverage can be requested up to 60 days prior to our policy renewal date unless you’re switching to a new carrier altogether.
Contact us for help with figuring out the optimal time to change your employee benefits plan.