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    2019 Open Enrollment. Important Details You Need to Know.

    Posted: November 26, 2018

     

    During this time, individual policy holders can enroll in a health plan or make changes to their existing plan. *If you obtain health insurance from your employer, you are likely to have a different Open Enrollment period.*

     

    What to Expect in 2019

     

    • The penalty has been removed! This means you will no longer receive a penalty for not having coverage or for obtaining a plan that does not provide the 8 coverages required by the  Affordable Care Act.
    • Short term medical plans will now offer coverage for the full year. These plans do not provide coverage for pre-existing conditions, maternity, or wellness visits. However, these plans are a fraction of the cost of plans offered through the Marketplace and they all have a PPO network.
    • BCBS will continue to offer virtual visits for PPO plans only.  Policy holders can call or chat online with a nurse practitioner to obtain a diagnosis and prescription for medication.
    • Group plans are still an option for small employers. Blue Cross Blue Shield does offer relaxed guidelines during this time to allow for a 1-person group. The employer must have at least 2 full time employees that are not husband and wife.

    How to Avoid Rate Increases

     

    • Be prepared to discuss your household, estimated adjusted gross income for 2019.  This will be used to determine if you qualify for assistance.
    • Those without pre-existing conditions should consider a short term medical plan.  The premium is much lower and all plans offer a PPO network.  Wellness visits are not included with these plans.
    • If you are going to opt to self-insure, protect yourself with an accident or critical illness plan.  The plan works separate from health insurance and pays you based on a diagnosis of a critical illness (cancer, heart attack, or stroke) and in the event of an accident (slip, fall, and break an ankle) the plan will pay you a certain dollar amount.  The purpose is to use the funds to pay towards the unexpected hospital or urgent care visit.
    • Review ALL of your insurance policies. I specialize in personal lines insurance, which includes auto, home, and Medicare. As a broker, I have access to multiple carriers which allows me the opportunity to find the best plan based on your needs.  I’ve saved people thousands by reviewing rates with multiple carriers.

    NOTE:  This is an extremely busy time for me.  I suggest scheduling early as my schedule will fill up.  Call 708 444-0050 or email, kelly@kellyburkeinsurance.comfor an appointment.  Please include your availability (i.e. mornings, afternoons, or evenings) and the type of appointment you are requesting (face to face or conference call).

    Questions
    Questions

    Feel free to email or call me with any questions or comments about my services or if you have any insurance related inquires.

    Contact
    Contact

    Phone: 708.444.0050
    Email: kelly@kellyburkeinsurance.com

    Availability
    Availability

    Monday - Friday: 10am - 5pm
    Evening and weekends
    available upon request