 Health Insurance open enrollment for anyone who does not have health insurance, or wanted to change, ended on 3-31-14. Open enrollment resumes 11-15-2014.
Between 3-31-14 and 11-15-14, you must have a qualifying event…like loss of coverage from an employer or spouse…to apply. There may be some “special” and/or “hardship” circumstances that may qualify. Contact Russ Caforio @630-495-2901 to discuss any circumstances you may have. Temporary insurance is available and can be applied for with the link below. IMPORTANT NOTE… anyone who started the process before 3-31-14 and “checks the box” on the application that says they tried before 3-31 and had “trouble”, should be able to “complete” the process and still receive a policy. This will likely be around only till mid-April. After 3-31-14, the next open enrollment is scheduled from 11-15-14 to 1-15-15. Feel free to use this link and pass it to anyone with a “special event”. WARNING about subsidy eligibility: Use estimate first! If you input your actual income tax information to determine your eligibility for a subsidy, and your income is below 133% of the Federal Poverty Level for your family size, you will automatically be eligible for Medicaid ONLY and WILL NOT be allowed to apply on line for a subsidized medical plan of your choice. The Express Link below is provided by Blue Cross and Russ Caforio and allows anyone seeking under age 65 health insurance access to all exchange/marketplace options…not just Blue Cross. You can also determine if you are eligible for a subsidy based on your income and the amount that would be applied to reduce your premium costs. If you are eligible, the plans and pricing will be adjusted to reflect your new monthly premiums. If you qualify, plans are available direct with some insurance carriers and NOT through the exchange/marketplace, contact Russ Caforio-630-495-2901. All new plans are compliant with the Affordable Care Act. This link also allows anyone age 65 or older access to Medicare Supplement Plans, Prescription Drug Card Plans and Medicare Advantage Plans. When asked for who is helping in this process, please add Russ Caforio-57455 Contact Russ Caforio @630-495-2901 or email [email protected] with any questions or help needed on the site. We both can be on the same page on this link so I can help you through the process.
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