The mistake people often make is thinking it costs extra or their policy will cost more by working with the Agent. Not the case, the commissions are built into the premium whether you buy online yourself or use a credible referral through your Financial Planner. Be sure to consult with an Independent Broker/Advisor about your options this open enrollment, its FREE.
From CMMS:
Every fall, your health insurance company sends you a letter
explaining changes to premiums and benefits for the coming year.
You can choose to stay in your current plan (as long as it’s
still offered) or make changes. If you don’t take action by December 15, 2014, you could miss out on better deals and
cost savings.
1. REVIEW PLANS CHANGE, PEOPLE CHANGE. Every year, insurance companies can make
changes to premiums, cost-sharing, or the benefits and services they provide.
Review your plan’s 2015 coverage to make sure it still meets your needs and
you’re getting the best plan for you.
2. UPDATE Starting November 15, visit
HealthCare.gov and log into your Marketplace account. Answer a few questions to
get to your 2015 application – it will be pre-filled with your latest
information from 2014. Step through each page of your application and make
changes if you need to. This is important – even if none of your information
has changed, you might be eligible for lower costs than last year! You also can
call the Marketplace Call Center at 1-800-318-2596 to review or make updates
over the phone.
3. COMPARE
Log into your Marketplace
account and follow the “Enroll To Do List” on HealthCare.gov to compare 2015
plan costs and benefits. New and more affordable plans may be available in your
area this year. If you decide to stay in your current plan, follow the
directions to search by that plan’s 14-digit ID – you can find the ID on the
letter from your plan. Or, call the Marketplace Call Center at 1-800-318-2596
for help.
4. CHOOSE Choose a health plan for 2015. You can
keep the same plan (as long as it’s still offered) or select a new one that
better fits your needs. If you want to stay enrolled in your 2014 plan, use the
plan ID in the letter you get from your health plan.
5. ENROLL Stay
covered for 2015! Contact your plan to confirm your enrollment. Make sure to
pay your premium.
STEP 1 Review - Things to remember:
- Look for a letter
in the mail from your health plan describing any plan changes.
- Read the letter,
and contact your health plan if you have questions.
- Write down
important dates and information from the letter - like December 15,
and your 14-digit plan ID.
STEP 2 Update - Things to consider:
- Can’t access your
Marketplace account? Follow the steps on the screen to reset your
password.
- Did any of your
income, household, or personal information change? Even a small change can
affect your premium tax credits and cost- sharing reductions, so make sure
your information is up-to-date.
- After you submit
your 2015 application, check your eligibility results carefully. Even if
none of your information changed, you might get different cost savings
because of changes in the Marketplace.
STEP 3 Compare - When comparing plans, consider:
- Are there more
affordable plans available to you that weren’t an option last year?
- Are you happy
with the changes to your current plan?
- Are your current
doctors in the plan’s network?
- Will your
prescriptions be covered?
- What will your
benefits and costs be?
STEP 4 Choose - Things to remember:
- You can choose
any plan available to you in your area in 2015, no matter what kind of
coverage you had in 2014.
- All 2015
Marketplace plans include all benefits and protections required by the
health care law.
- You can use any
premium tax credits and cost-sharing reductions (if you qualify) only if
you enroll in a plan through the Marketplace.
STEP 5 Enroll - Things to remember:
- For health
coverage starting January 1, 2015, you must enroll in a plan by December
15, 2014.
- If you want to
change 2015 plans after December 15, 2014, you can do that any time during
Open Enrollment, which continues through February 15, 2015.
- If you make
updates and enroll in a new health plan after December 15, 2014, your
coverage won’t start on January 1. Read the notice from your health plan
to check when your coverage will start.
Complete all 5 Steps to finish enrolling in a health plan,
even if you want to stay in the same plan.
This is
important to get the coverage you want and the most cost savings that you’re
eligible for. If you don’t finish all of the steps by December 15, we’ll try to
enroll you automatically so you stay covered. But this coverage might not be
your best option for 2015 and you could miss out on cost savings.
If you
have questions or need to find someone who can help you in person, we can help.
Find local help at: 614.431.4302, Quote@mosaicemployeebenefits.com
Mosaic Employee Benefits, LLC
7650 Rivers Edge Drive
Columbus, Ohio 43235
