Open Enrollment has officially started and will continue through February 15th. Here is what you can expect during this time….
*Some plans purchased before 2014 are still being extended through 2015. Your carrier/agent would have contacted you by now if your plan was being terminated. If you are happy with your plan you do not need to do anything. If you are unsure if your old plan is still the best option contact me for a comparison.
*If you have a 2014 plan without a subsidy (aka assistance) and are happy with this plan you do not need to do anything.
*If you have are receiving a subsidy I strongly recommend that you verify the income information that was originally reported. You may actually qualify for additional assistance!
*Any changes/new enrollment done by December 15th will take effect January 1st. Any changes/new enrollment done after December 15th will take effect February 1st.
1 Your carrier will be mailing a letter to you detailing any possible plan changes. Be sure to note your 14 digit plan ID.
2 Review any possible changes to your Marketplace Account. Log in to your account via www.healthcare.gov and answer any questions to get your 2015 application. You may be eligible for lower costs than last year.
3 While in your account go to the “Enroll To Do List” to compare plans. This is where you can choose a different plan or if you are happy with your existing plan plug in your 14 digit plan ID.
Open Enrollment will be November 15th-February 15th. For a January 1st effective date all changes/plan selections must be received by December 15th.
Life Insurance Awareness Month is coming to an end. This is the time to review your life insurance situations…What will your family do if the primary wage earner dies? What assets are you willing to give up to make ends meet? These are questions that many people don’t think about until it is too late.
The last few months have been pretty interesting to say the least. I have spent a lot of time updating my “internet presence”. You can now see Kelly Burke Insurance on LinkedIn, Facebook, my own website (kellyburkeinsurance.com). My next venture is to start posting informational videos on You Tube. Contact me to be added to my email list.