 This link is for the open enrollment which began 11-15-14 and ends 2-15-15. Anyone can apply for new coverage or change existing coverage whether you have a plan or not.
See the information below or contact Russ Caforio for assistance. NOTE: You may be subject to a penalty for not having coverage unless you have a qualifying event…like losing health coverage from an employer. With a qualifying event, you can apply for exchange coverage throughout the year as an event occurs. Open enrollment for under age 65 is from 11-15-14 to 2-15-15 for 1-1-15 or later effective dates. If you enrolled last year and do not want to make any changes, you should be notified of your rates and benefits for 2015. Temporary insurance is available and can be applied for with this link. Feel free to use this link and pass it along to anyone. 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. In some cases, 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. These plans are for 1-1-2015 or later effective dates. Should you have a qualifying event and need immediate coverage,contact Russ Caforio-630-495-2901. This site also allows anyone over age 65 access to Medicare Supplement Plans, Prescription Drug Card Plans and Medicare Advantage Plans. Open enrollment is October 15 to December 7. When/if asked who is helping in this process, please add Russ Caforio-57455 or 000606780 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 site so I can help you through the process. www.Caforio.net
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