Frequently Asked Questions
Navigating the Insurance Marketplace can be difficult and sometimes overwhelming. Below, in our frequently-asked-questions, you’ll find information to help choose the right plan. Of course, our staff is ready to assist you – call or walk into our local office and speak to your health care advocate anytime.
General Questions
What are Essential Benefits?
- Ambulatory Patient Services
- Hospitalization
- Mental Health & Substance Use Disorder Services, Including Behavioral Health Treatment
- Rehabilitative & Habilitative Services & Devices
- Laboratory Services
- Emergency Services
- Maternity & Newborn Care
- Prescription Drugs
- Preventative Wellness Services & Chronic Disease Management
- Pediatric Services (pediatric oral care may be included or offered as part of a stand-alone dental plan)
When is open enrollment?
When will my coverage begin?
Who can use the Marketplace?
Can I get coverage outside of the open enrollment period?
SPECIAL ENROLLMENT EXCEPTIONS
Special Enrollment Period (SEP) is a time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including:
LOSS OF HEALTH COVERAGE
MOVING
GETTING MARRIED
HAVING A BABY
ADOPTING A BABY
If you qualify for an SEP, you usually have up to 60 days following the event to enroll in a plan. If you miss that window, you have to wait until the next Open Enrollment Period to apply. For more information and specifics and to see if you qualify for a Special Enrollment Period, click on the link below.
Questions?
Call toll free: 866.454.4458
Rather talk in person? Call or stop into our office. We’re here to help.