Buying a health insurance is depended on some enquiries and those questions should be answered in a right way through the chosen health insurance company’s website.
Health is wealth and no doubt freaking for being healthy and fit is become a mania now-a-days; after advanced technologies and lifestyle people get affected easily. Healthy living, good thinking, positive atmosphere and bonding with family can give a person enough life to live healthy but with all of these things, a routine check up or doctor visit is a must do thing in the list. The process is very long and tricky from choosing the coverage, comparing premiums across different companies, procedure of paying premiums while buying health insurance. Health Insurance Plans are essential for every person as it gives security and safety to the insured person with various benefits. There are various kinds of health insurance policies such as Individual Health Insurance Plans, Family Floater Plan, Children Insurance Plan, Car Insurance Plan, Mediclaim etc. Medical coverage comes with some unknown and unsolved questions that need quick answer and should be known by the person who is buying the health insurance plan for some certain coverage. People have some common questions before buying any kind of health coverage like how to manage their health coverage, how to find related forms and documents or what is the understanding costs and savings etc. but all this can be known from the chosen health insurance company’s website where they must assure every customer and give them answers of their queries. Besides the questions, buyers will get information on completing the enrollment in the 2018 new marketplace, can find different new plans and prices and more details about getting coverage.
So it is always best to ask these questions to the related health insurance company or agent; here are described about the three most asked questions and also their best solutions.
3 common questions and their answers:
Can I get 2018 coverage outside Open Enrollment period?
Anyone can enroll in or change a Health Insurance Marketplace Plan only if the person has a life event that qualifies him/her for a Special Enrollment Plan (which is described below).
Where can I get 2018 Marketplace Plans and prices?
Just follow the chosen health insurance company’s preview plans option (which is described below).
If I change my household or income, how can I report?
Anyone who is moving to a new place or job can change his/her report online or by phone or in personal visit (more information is given below).
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.
2018 Marketplace health insurance plans and prices:
every health insurance company has their recommended website where they put different plans and related prices with some benefits. This page has a section where people can put their zip code or pin code to check whether they are eligible for special enrollment period or not. If they can enroll then they will easily preview the 2018 new plans and prices.
Way to report changes to the Marketplace:
Anyone who has moved to a new place or job can report changes to the Marketplace by updating their relevant application by inline, phone or in-person but not in mail. Here are some steps described to update the current changes through online:
At first the person need to log in his/her personal account on chosen health insurance company’s website.
Then they have to select the option- “Start a New Application or Update an Existing one.”
Then clicking name on the top right they have to select “My Applications & Coverage.”
Then the application has to choose that need to update.
Now they need to click “Report a Life Change” on the left-hand menu.
They will get the list of changes and click on the previous menu will work.
Then they can select the kind of change they want to report.
Go through the application and report any changes need to given.
After completing all this, anyone will get new eligibility results to explain options to change plans.
To update from phone the person need to call chosen health insurance company’s call center number and they will help. For further questions just go to the company’s website.