Home care agencies, remind your clients that December 15 is the last day they can—in most states—enroll, reenroll, or adjust their Marketplace health insurance. Plans purchased during Open Enrollment start in January 2019.
The holiday season is busy, and the Open Enrollment deadline for health insurance or Affordable Care Act (ACA) exchange plans is quickly approaching. Four days remain in the Open Enrollment period for most states, with the exception of the following:
- California (Open Enrollment ends January 15, 2019)
- Colorado (Open Enrollment ends January 15, 2019)
- Massachusetts (Open Enrollment ends January 23, 2019)
- Minnesota (Open Enrollment ends January 13, 2019)
- New York (Open Enrollment ends January 31, 2019)
- Rhode Island (Open Enrollment ends January 31, 2019)
- Washington, D.C. (Open Enrollment ends January 31, 2019)
That said, now is as good a time as any to remind your clients to enroll or update their plan. Keep in mind that this information is for U.S. residents buying health insurance independently in the Marketplace rather than through their employer.
A simple email reminder can be very effective (and informative, for that matter). Consider letting your client base know that if they’re purchasing health insurance on their own, they can buy a policy in one of several ways:
- From their state’s health insurance marketplace (More information can be found here.)
- Directly from a health insurance company or agent
- From health insurance sites that offer quotes from multiple carriers
To be eligible to enroll in Marketplace coverage, you must be a U.S. citizen or resident and currently live in the United States. All plans available in the Marketplace cover preventative health services, preexisting conditions, and essential health benefits such as hospital care and prescription drug coverage.
Those who are already enrolled in a Marketplace health plan can expect their coverage to automatically renew in 2019. That said, some plans might change their provider network copays and drug coverage at the end of the year, and—while they are required to inform consumers of any changes they make—it is your responsibility to read each notice carefully and understand what it means for your coverage.
Please note that Medicare features a different enrollment period than Marketplace health insurance, and that this post does not apply to those seeking Medicare health and drug plans. Depending on income, however, individuals may well qualify for an insurance plan with tax credits through the Health Insurance Marketplace—or for the Medicaid/Children’s Health Insurance Program (CHIP).
People can apply for Medicaid or CHIP through their state’s Medicaid agency at any time of year, or through the Marketplace during their state’s Open Enrollment period. (A short plug here to reiterate that Nurse2Help is now accepting the Medicaid Waiver.)
So, home care agencies—are you ready for the New Year? Again, be sure to remind your clients of the important dates and information outlined in this post!
Stay tuned for more tips, tricks, and resources from Nurse2Help. The Nurse2Help app lists hundreds of prescreened caregivers in the D.C., Maryland, and Virginia area. Please contact us for more information.