Can I Sign Up For Health Insurance After Open Enrollment?

35

Slide One: Getting a health insurance plan can be tricky because you only have a small window of time to make it happen. Missing that window can cause a lap in your insurance. Regardless of the type of coverage you have, you need to make sure you make all necessary changes at the right times.

Slide Two: What is the open enrollment period? 

Open enrollment is a specified window of time when you are allowed to make changes to your insurance plan or apply for an insurance plan. In most cases, you are not able to make changes if you miss the open enrollment period. Exceptions to this include having a qualifying life event, applying for a short-term medical plan, or qualifying for Medicaid or CHIP.

Slide Three: Does open enrollment apply to me? 

While many people think of Medicaid or Medicare when they hear open enrollment, many private insurance plans and plans through employers also have open enrollment periods when you can make changes to your plan. 

Slide four: What is a special qualifying event? 

Special qualifying life events include getting married or divorced, having or adopting a child, moving somewhere your former insurance will not cover you, being involuntarily dropped by your insurance company, or having a drastic change in income. 

Slide Five: What is a short term medical plan? 

Short term medical insurance is available to cover a specific period to provide coverage during periods of lapsed insurance. If you miss open enrollment and get stuck without insurance until the next open enrollment period, you can apply for short term medical insurance to get you through the lapsed period. 

Slide Six: How do I know if I qualify for Medicaid or CHIP?

Medicaid and CHIP programs help low-income people obtain health insurance when they could not afford it otherwise. Medicaid requirements vary from state to state, so you will need to check the state where you reside to see if you qualify. CHIP was designed for families with young children, who do not meet the requirements for Medicaid. Some states allow pregnant women also to be covered under CHIP.

Final Slide: Health insurance can be confusing for some, so it is essential to pay attention to your health insurance open enrollment. If you did miss that window, sites such as Health Quote Gurus make it easy to explore your coverage options.

About Author

LaDonna Dennis

LaDonna Dennis is the founder and creator of Mom Blog Society. She wears many hats. She is a Homemaker*Blogger*Crafter*Reader*Pinner*Friend*Animal Lover* Former writer of Frost Illustrated and, Cancer...SURVIVOR! LaDonna is happily married to the love of her life, the mother of 3 grown children and "Grams" to 3 grandchildren. She adores animals and has four furbabies: Makia ( a German Shepherd, whose mission in life is to be her attached to her hip) and Hachie, (an OCD Alaskan Malamute, and Akia (An Alaskan Malamute) who is just sweet as can be. And Sassy, a four-month-old German Shepherd who has quickly stolen her heart and become the most precious fur baby of all times. Aside from the humans in her life, LaDonna's fur babies are her world.

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DAULAT HUSSAIN
2 years ago

health insurance is very important in to days time without it . its very difficult to take medical treatment in nowadays

Download for PC
2 years ago

Health insurance is a type of insurance coverage that covers the cost of an insured individual’s medical and surgical expenses. … Depending on the type of health insurance coverage, either the insured pays costs out of pocket and receives reimbursement, or the insurer makes payments directly to the provider.

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2 years ago

I love love LOVE this.. Amazing show. Could you please tell me who designed the floor length emerald gown? It is amazing. Couldn’t take my eyes off of it.tweezerman

Paje
Paje
2 years ago

My husband and I have always had double coverage and listed each other on our plans just in case of an emergency. I’m so glad we did that because when he was laid off two years ago, there was no lapse in coverage and we didn’t have to deal with that hassle of trying to add him.Homeowners insurance

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