August 20, 2018
Finding it painful to shop for Healthcare for your family? Interested in what alternatives are available for Healthcare outside of Open Enrollment? Qualify for a Special Enrollment? Contact one of our talented advisors today!
Every year come Fall we gear up for Open Enrollment and work diligently to enroll thousands of families and individuals for yet another year of financial peace of mind. This election period is from Nov. 1st – Dec. 15th for a January 1st effective date this gives our nation an allotted time to choose their healthcare plans for the following year. The Affordable Care Act as we know it has been the go to for our nation’s healthcare since March of 2010. Nevertheless, many will not take advantage of this opportunity or will miss it for various reasons.
First and Foremost, certain life events qualify you for a special enrollment period. A special enrollment period is a period of time (usually 60 days) during which you can buy a health plan through the individual Marketplace, even if it’s outside the normal Open Enrollment period. The events that trigger a special enrollment period are called qualifying life events, such as, loss of creditable coverage through an employer, marriage, divorce, birth of a child, or you move to a new state.
For those of us who do not qualify for a Special Enrollment, just know, you have options. We want to be sure that you know the best options and the perfect fit for you and your families. For those who want to avoid the tax penalty mandate a great alternative which is about half the cost of an average Marketplace plan is an option from Christian Care Ministry called Medi-Share. These plans offer affordable healthcare at its finest. They offer an Open Access PPO Network (PHCS) which offers a large provider network, coverage across state lines, and provide continuous coverage throughout each year. Keep in mind, Medi-Share is not for everyone, nevertheless, it has been a perfect fit for many of our clients.
Another go to alternative outside of Open Enrollment would be our Term Major Medical plans with National General Accident and Health, an Aetna Meritain company. These plans are non- religious and offer medical coverage that provides protection from a variety of medical expenses. They provide immediate coverage for the very next day. Choose a provider within the Aetna Open Access Choice PPO Network, which has more than 664,000 participating providers in various specialties. Like Medi-Share, you have the flexibility to travel across state lines and not have the worry about losing coverage. These plans accept healthy tobacco- users and are great for an individual or family that need insurance for a short time period.
Healthcare is expensive, fortunately YOUR insurance doesn’t have to be! Pick and Choose a Level of Benefits with one of our Foundation Health Plans from National General Accident and Health. These plans offer more affordable and predictable ways to get the coverage you need immediately without the battle of deductibles and coinsurance! Using a Medical Indemnity plan just got easy on your pocket book!
Lastly, pair any of these great healthcare alternatives with our plan enhancers! Who plans for unexpected out-of-pocket costs associated with accidents, hospitalization and critical illnesses? Our clients! That’s Who! Consequently, what does an individual do that finds it financially important to carry healthcare? Let the experts at Crosspointe educate you!