Purchasing Health Insurance During a Special Enrollment Period
Enrolling in a health insurance plan can be a daunting task, and if you aren’t aware of deadlines and “Open Enrollment” guidelines you may have missed your chance altogether. Before fretting too much, you may want to see if you could be eligible for enrollment during a special enrollment period of 60 days following a “Life Event” like the birth of a baby, losing group coverage through an employer, losing coverage due to a move to Nevada, Marriage, others.
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Missing Open Enrollment or finding yourself in need of health insurance outside of the Open Enrollment period does not always mean you have to be uninsured for the entire year. A health insurance agent can help guide you through the process of determining if you are still eligible to apply for health insurance in Las Vegas, Nevada. If you’re not, perhaps a short term health insurance plan may get you by until the next open enrollment period which is yearly from November 1st through December 15th.
How Can Life Changes Affect Your Health Insurance?
To receive a health insurance policy that is affordable and viable for your family, you need to promptly report all life and income changes to your health insurance agent. This allows your agent to continuously match you with an insurance plan that offers the best coverage at the best price for your family.
If your income decreases or you welcome a new family member, your health insurance savings can potentially increase. This could reduce your monthly premiums and make you eligible for other federal cost savings programs; but you only have 60 days to act. This is why it is important to keep your health insurance agent up to date on family, income, and life changes.
Life Changes That Make Your Health Insurance Plan SEP Eligible
There are several different life events that will allow you to make changes and/or enroll into a health insurance plan. Loss of health insurance due to a change in jobs, loss of eligibility for Medicaid, ending of your Group Coverage, plus many other changes that result in a loss of health insurance can be considered a life change. Changes to your family “household” (members on your tax return) may also be qualifying life changes. If you got married, divorced and lost health insurance, had a child, or lost a family member, you may qualify for a special enrollment period (SEP). Remember though, you only have 60 days to contact your health insurance agent and make a change.
Contact Nevada Insurance Enrollment to Find Out if You Qualify for a SEP
Unsure of whether or not your life change or income change qualifies you for a special enrollment period? If you need to report a life change or purchase health insurance during an SEP, call Nevada Insurance Enrollment today and speak to one of our health insurance agents. We specialize in creating custom health insurance solutions for individuals and families in Las Vegas, Nevada.