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.
Documents and deadlines for the life event
There is various life events occur in a person’s life for which he/she takes a Special Enrollment Period, by selecting the right life event for submitting the document the person will get the help. Those life events are discussed here:
Losing health coverage
In case of that, acceptable documents with notices from the previous insurance company or the employer have to be shown and there are variations upon these acceptable documents for the loss of coverage.
Moving to a new address and having a prior coverage
There are two scenarios and they need different documents such as- If anyone move in the last 60 days, then the person ahs to submit acceptable documents with government correspondence, utility bills, rental or mortgage documents and homeowner’s insurance; there must be the new address and date of shifting. But if the person had health coverage at least one day during the 60 days before moving then the person has to acceptable documents like correspondence from the insurance company, employer or health coverage provider such as a government agency.
If anyone is gained or become dependent for adaptation, foster care placement or court order
One must send documents that showing the name of the dependent person/persons the date they became one. Then the person has to provide acceptable documents like adaptation letters or records and foster care papers.
If any person gets married the person has to provide some documents like marriage certificates and marriage licenses, including the names of the people who got married and also the date of the marriage.
If anyone denied Medicaid or CHIP coverage besides applying for Open Enrollment
The insurer has to send documents showing the name of the person denying Medicaid or CHIP coverage and the date they were denied.
Ways of submitting documents
One should provide documents as soon as possible after choosing a plan which will help to prevent a postpone in the coverage starting and these documents can be submitted in two different ways
This is the fastest and right way to submit the documents just scan images of the documents in the acceptable formats such as .pdf, .jpg, .jpeg, .gif, .xml, .png, .tiff and .bmp with the maximum size of 10 MB
Instead of sending original documents it is better to send photocopies
Works to do after submitting documents
After submitting documents the insurer will get a notice in his/her HealthCare.gov account within some weeks that is a confirmation of the Special Enrollment. After that the insured has to pay the first premium to the insurance company.