After the closure of 2018 Open Enrollment Period, rest peoples can register or change their Health Insurance Marketplace Plan by logging in a Special Enrollment Period.
Since the 2018 Open Enrollment Period is now over so people can now enroll in or change a Health Insurance Marketplace Plan, but the appliers should have a life event that will help to qualify for a Special Enrollment Period.
Special Enrollment Period or SEP
It is a time after the yearly Open Enrollment Period when people can sign up for health insurance, where they will qualify for a Special Enrollment Period if they have certain life events like losing health coverage, shifting some other places, getting married, having a baby or adopting a child. After qualifying for an SEP, one usually has up to 60 days pursuing the event to register in a plan but if anyone misses that window he/she have to wait till the next Open Enrollment Period to apply.
After applying for Marketplace coverage and qualifying for a Special Enrollment Period the enroller have to submit documents to confirm the events to make him eligible. The things will come this way described here:
Enroller will learn if he/she has to submit documents after submitting application; details and instructions will come on the eligibility results screen and he/she can download or receive in the mail.
Choosing a plan at first is the right decision before submitting the documents and there will be 30 days time to send the documents.
Coverage start date is depended on the picking time of a plan though the enroller can’t be able to use the coverage until the eligibility is confirmed and the person pays his/her first premium payment.
The eligibility results don’t tell to provide documents as it is not needed.
After getting qualified for the 2018 marketplace Open Enrollment Plan, people can preview the plans and prices as per the income; here are the changes talked about which can be qualified for the policyholder in a Special Enrollment Period.
Anyone under the policy will qualify for a Special Enrollment Period if them household in the past 60 days:
New married one can pick up a plan by the last of the existing month and the coverage will start on the first day of the next month.
Had a baby or adopted a child or placed a child for advance care
The policyholder will get their coverage started the day on the event happen even if the person enrolls in the plan up to 60 days afterward.
Got divorced and lost health insurance
If anyone gets a legal separation or divorce without losing the coverage will never be qualified for a Special Enrollment Period.
If anyone under the Marketplace plan dies then the policyholder will be eligible for a Special Enrollment Period rather than the current health plan.
There are some kinds of changes in household movement that will make the policyholder qualified for a Special Enrollment Period and those changes are mentioned below:
Shifting to a new home in a new ZIP code or new country
Shifting to a foreign country
If a student shift to or from the place he/she attends school
If a seasonal worker shift to or from the place where he both lives and work
Shifting to or from a protection or other temporary housing
But it should be keep in mind that if the eligible person must give a prove of previous health coverage for one or more days during the 60 days before shifting; though shifting to a foreign country doesn’t want any proof. If anyone is shifting for a medical treatment or want to stay somewhere else as a form of vacation, then the person will not be qualified for a SEP.
Losing health insurance
If the policyholder or other person under the plan lost the qualifying health coverage in the past 60 days or will lose the coverage in the next 60 days then the persons will be qualified for a Special Enrollment plan. Here is the coverage losses which will make a person qualified for a Special Enrollment Period
Losing job-based coverage
Individual health coverage for a plan or policy that has bought for the policyholder
Losing eligibility for Medicaid or CHIP
Losing eligibility for Medicare and coverage through a family member
Other qualifying changes
When there happens any kind of changes in the plans for Medicaid or CHIP
Becoming newly eligible for Marketplace coverage etc.