We have found over the years that filling out an application as soon as possible can get many people Health Insurance earlier than waiting for Open Enrollment. (Open Enrollment runs Nov 15 through Jan 15th).
Suzie and Matt have been helping people with applications and answering questions for over a decade. They ran the Wenatchee Enrollment Center. They charge no fees.
Special enrollment periods (SEPs) for health insurance allow people to enroll in a health insurance plan outside the usual open enrollment period. These periods are typically triggered by specific life events that involve changes in your family. Here are some common reasons you might qualify for a special enrollment period:
Annual SEPs:
Apple Health: It’s Washington State Medicaid aka “State Insurance”. It is income based. You can enroll year-round.
American Indian/Alaska Native: If you are affiliated with a tribe then you have enrollment year-round.
Cascade Care Savings: If your income is less than 250% of the Federal Poverty level then you may be eligible. Additionally, if you are not enrolled in a Cascade Care Silver or Gold plan then you could upgrade.
Short Special Enrollments:
Change in your family status: If you get married, divorced, have a birth or adopt a child, or the death of someone on your plan.
Loss of health coverage: When you lose coverage for turning 26 from your parent’s plan. Lose coverage from an employer plan or moving from Apple Health.
Change in residence: Moving to a new county, moving to the U.S. from a foreign country, or a student moving to or from the place they attend college.
Changes in eligibility for financial help: Becoming newly eligible or ineligible for premium tax credits or having a change in eligibility for cost-sharing reductions can also trigger a SEP. (Yes, always file your taxes).
Other qualifying events: Certain events, like changes in your income that affect the coverage you qualify for, becoming a U.S. citizen, leaving jail, or AmeriCorps service.
Normally, you must provide documents of the qualifying event and apply within a certain timeframe, usually 60 days after the event. This allows you to access or change your health insurance coverage in response to changes in your life circumstances.
Summary
If you do not have health insurance then we want to work with you immediately to see if you qualify. If you need additional insurance types then Wenatchee Insurance is happy to lend a hand.
Topics: Health, Healthcare, Applehealth, Medicare, 26, Premera, Molina, Ambetter, Dental, Suzie, Wenatchee Insurance,
