deadlines | Bernardini & Donovan

December 12, 2014September 8, 2016

I Missed The Open Enrollment Deadline! What Now?

When it comes to your health, you want to ensure that you will be protected no matter what unforeseen health problem may come your way. In order to do so, you must purchase a health care plan. It can be difficult to find a comprehensive plan that fits nicely into your budget. The Marketplace offers a variety of health care plans that benefit most individuals.

As of November, open enrollment 2015 is currently in session. Millions of Americans are navigating the Marketplace, attempting to evaluate their health care needs. The deadline by which you must select your health plan is February 15^th, 2015. Even if you are well aware of this deadline, there is always the chance that life throws you a curveball, and you miss it. If this happens, what should you do?

First things first, do not stress! Here is some information about the Obamacare offseason that may put your mind at ease:

Do not cast away your incomplete application in despair! You should continue to complete your application, even if the deadline has passed. The administration has been known to make exceptions for special circumstances.
If you happen to have recently gotten married, divorced, or adopted a child, you may qualify for a special enrollment period.
Consider enrolling in Medicaid. There is no deadline for Medicaid enrollment.
If you were turned down for a special enrollment period, and believe that the decision was made unfairly, you can make an appeal. Visit the HealthCare.gov website to learn more about the appeal process.
Consider purchasing a health care plan through the private market.

For more information about open enrollment 2015, deadlines, or private health care plans, please contact a Certified Covered California agent from Bernardini & Donovan Insurance Services, located in Redlands California. We have the experience necessary to assist you with all of your health care needs.

November 28, 2014September 8, 2016

“Metal Level” Insurance Categories: Explained!

Open enrollment 2015 is finally upon us! Now is the time to be consumed with thoughts of health care in order to financially prepare yourself for the future. If you are preparing for the important decision of selecting your new health plan, you are probably aware that there are a number of different insurance categories to choose from. The categories differ based on how medical expenses will be shared between you and your plan.

Five main categories currently exist, and are known in the health care world as “metal levels”. The different levels take an individual’s monthly premium, coinsurance, copay, deductible, and out-of-pocket maximum into consideration. Here is a break down of the metal levels:

With a bronze level plan, you will pay approximately 40%, while your health plan will cover 60%.
In a silver plan, the costs are split into 70%, and 30%. You will pay the 30%, and your health care plan will pay about 70%.
With a gold level plan, you will only pay about 20%! Your health plan will cover the remaining 80%!
A platinum level health plan will pay all but 10%. The remaining 10% will be up to you.
Catastrophic coverage plans are only applicable for individuals under the age of 30! Those with this type of plan will also need to qualify for a hardship exemption. Catastrophic coverage plans pay under 60% of health expenses.

In order to choose the right plan for your needs, at a price that you can afford, you must consult with a Certified Covered California Broker. These individuals have the experience necessary to provide you with quality health care advice. Contact Bernardini & Donovan Insurance Services to get in contact with a broker, and make the open enrollment process much easier!

November 21, 2014September 8, 2016

Important Open Enrollment 2015 Deadlines!

2014 is quickly coming to a close! The middle of November has passed, which means we are in the midst of open enrollment season. If you have not already taken the time to evaluate your current, and future health care needs, now is the time to do so. Knowing what you do and do not need in a health plan will make the selection process much easier.

In order to secure your new health plan, you need to make sure you meet the appropriate deadlines. You are only allowed to go 3 months with a gap in your coverage before you will be ordered to pay an expensive fine. In order to avoid this, and save yourself some time and money, familiarize yourself with these important dates:

Open enrollment 2015 officially begins on November 15^th of 2014.
The final day to enroll for a health plan that will kick in on January 1^st, 2015 is December 31^st, 2014.
All health plans purchased through the 2014 Marketplace will cease to be effective beginning December 31^st, 2014.
January 1^st, 2015 is the first date that new health coverage can begin.
Open enrollment 2015 will close on February 15^th, 2015.

Make sure that you do not miss any of these crucial deadlines. Do not take the risk of being under or uninsured for any amount of time. You will surely regret it when you are in the face of a health care-related emergency!

The best way to navigate the 2015 Marketplace is to first contact a Certified Covered California Broker. These individuals have the knowledge and experience necessary to guide you through the complex, and often confusing world of health care. They can dispense quality advice that will make choosing the right plan for you much easier. Certified Covered California Brokers can even find ways to save you money! Please contact Bernardini & Donovan Insurance Services to speak with a licensed agent today!

Tag: deadlines

I Missed The Open Enrollment Deadline! What Now?

“Metal Level” Insurance Categories: Explained!

Important Open Enrollment 2015 Deadlines!

let Bernardini & Donovan find the right plan for you

let Bernardini & Donovan find the right plan for you

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