How to Get Healthcare After Open Enrollment in Wilmington NC Closes
If you weren’t able to buy health insurance before the Open Enrollment deadline, you still have options for getting the coverage you need to avoid being penalized. The options might be a little more limited, but they are available.
Here’s your guide to getting healthcare after Open Enrollment Wilmington NC has ended.
Do You Qualify for a Special Enrollment Period?
If you recently went through a qualifying life event which caused you to lose your previous coverage, then you might qualify for a special enrollment period. This enables you to choose a plan either within the exchange or outside of it without the risk of penalty. You will need to be able to provide proof of the qualifying event at the time of enrollment. Examples of qualifying life events include a marriage or divorce, becoming or gaining a dependent, becoming a U.S. citizen, or making a permanent relocation. You can also qualify for a special enrollment period if your current plan ends involuntarily or if you need to renew your existing plan outside of the regular Open Enrollment period.
Who is Eligible for Year-Round Enrollment?
Currently, both Native Americans and those who are eligible to apply for Medicaid are eligible for enrolling in new health care plans any time of year, even outside of the Open Enrollment period.
What About Short-Term Insurance?
For many Americans who weren’t able to secure insurance within the Open Enrollment period, their options will be restricted to short-term policies. These policies offer temporary coverage, typically anywhere from one to six months and they usually aren’t renewable. They also don’t offer the comprehensive coverage you might expect from a major medical health insurance plan. Another disadvantage is these plans aren’t required to operate according to the Affordable Care Act’s standards, so this means that they can function just like health insurance companies did prior to the ACA being implemented.
Short-term insurance plans are also not eligible for premium subsidies. They do, however, tend to be affordable, so if you’re in good health and you don’t have any pre-existing conditions that could deny you coverage, this type of plan could be a worthwhile investment if necessary because it will serve as proof of insurance and thus protect you from being penalized for being uninsured.
That said, if your income makes you eligible, you would be better served to purchase a plan through the marketplace during the Open Enrollment period so you can obtain comprehensive coverage and tax credits.
Schnitzer-Slate Can Help You Get Insurance Outside of Open Enrollment in Wilmington NC
If weren’t able to purchase a health insurance plan during the Open Enrollment in Wilmington NC, then Schnitzer-Slate can help. We offer a range of affordable Blue Cross Blue Shield North Carolina insurance plans for every need and budget. Let us help you get the insurance coverage you need to comply with the ACA’s laws.
Just give Schnitzer-Slate a call today at 910-392-7020. One of our agents will help you find the right healthcare insurance even if it is outside of Open Enrollment Wilmington NC. Or, just visit our website at http://healthplannc.com/ to learn more about our affordable short-term health insurance plans.
Here’s your guide to getting healthcare after Open Enrollment Wilmington NC has ended.
Do You Qualify for a Special Enrollment Period?
If you recently went through a qualifying life event which caused you to lose your previous coverage, then you might qualify for a special enrollment period. This enables you to choose a plan either within the exchange or outside of it without the risk of penalty. You will need to be able to provide proof of the qualifying event at the time of enrollment. Examples of qualifying life events include a marriage or divorce, becoming or gaining a dependent, becoming a U.S. citizen, or making a permanent relocation. You can also qualify for a special enrollment period if your current plan ends involuntarily or if you need to renew your existing plan outside of the regular Open Enrollment period.
Who is Eligible for Year-Round Enrollment?
Currently, both Native Americans and those who are eligible to apply for Medicaid are eligible for enrolling in new health care plans any time of year, even outside of the Open Enrollment period.
What About Short-Term Insurance?
For many Americans who weren’t able to secure insurance within the Open Enrollment period, their options will be restricted to short-term policies. These policies offer temporary coverage, typically anywhere from one to six months and they usually aren’t renewable. They also don’t offer the comprehensive coverage you might expect from a major medical health insurance plan. Another disadvantage is these plans aren’t required to operate according to the Affordable Care Act’s standards, so this means that they can function just like health insurance companies did prior to the ACA being implemented.
Short-term insurance plans are also not eligible for premium subsidies. They do, however, tend to be affordable, so if you’re in good health and you don’t have any pre-existing conditions that could deny you coverage, this type of plan could be a worthwhile investment if necessary because it will serve as proof of insurance and thus protect you from being penalized for being uninsured.
That said, if your income makes you eligible, you would be better served to purchase a plan through the marketplace during the Open Enrollment period so you can obtain comprehensive coverage and tax credits.
Schnitzer-Slate Can Help You Get Insurance Outside of Open Enrollment in Wilmington NC
If weren’t able to purchase a health insurance plan during the Open Enrollment in Wilmington NC, then Schnitzer-Slate can help. We offer a range of affordable Blue Cross Blue Shield North Carolina insurance plans for every need and budget. Let us help you get the insurance coverage you need to comply with the ACA’s laws.
Just give Schnitzer-Slate a call today at 910-392-7020. One of our agents will help you find the right healthcare insurance even if it is outside of Open Enrollment Wilmington NC. Or, just visit our website at http://healthplannc.com/ to learn more about our affordable short-term health insurance plans.