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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).

    Open Enrollment Events

    Posted: October 11, 2013

    I will be participating in multiple events during open enrollment.

     

    *Healthcare Reform/”Obamacare” Open House
    Every Saturday starting October 5th-December 14th 10am-2pm
    Prime Realty: 17208 Oak Park Avenue Tinley Park, IL 60477
    -The open house will be closed November 30th-

     

    *Medicare Open House
    Every Tuesday October 15th-December 3rd 10am-2pm
    Additional dates added December 5th and December 7th 10am-2pm
    Prime Realty: 17208 Oak Park Avenue Tinley Park, IL 60477

     

    *Medicare Community Event for United Healthcare/AARP Plans
    October 29th and November 13th 10am-11am
    Prime Realty: 17208 Oak Park Avenue Tinley Park, IL 60477

     

    *Healthcare Reform and Medicare Educational Booth
    CVS 8811 W 87th Street Hickory Hills, IL 60457
    October 16th 2pm-6pm
    November 6th 2pm-6pm
    December 4th 2pm-6pm
    January 15th 2pm-6pm
    March 5th 2pm-6pm
    March 19th 2pm-6pm

    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