5 Tips for an Informed, Smooth, and Painless Health Insurance Open Enrollment : Catherine Giles, An Independent Insurance Agent, Blog
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Catherine Giles, Independent Insurance Agent

5 Tips for an Informed, Smooth, and Painless Health Insurance Open Enrollment

by Catherine Giles on 09/19/15

 

5 Tips for Your Informed, Smooth, and Painless 2016 Health Insurance Open Enrollment

 

     The 2016 Health Insurance Open Enrollment Period is approaching, from November 1, 2015 to January 31, 2016, with a January 1, 2016 effective date if your application is submitted no later than December 14, 2015.  Take the time now to prepare your open enrollment game plan: 

 

1.  Work with an Expert Health Insurance Agent Certified for Both On and Off the Health Insurance Marketplace; for Individual/Family and Group, or SHOP; who Represents Many Insurance Carriers

 

     Unless you’re a health insurance expert both on the Health Insurance Marketplace, or healthcare.gov site, and off the site with Non-Marketplace insurance carriers, and unless you're an expert in Individual/Family options and also for Group, or SHOP, and unless you represent many insurance carriers, work with an expert who is. Work with a health insurance agent who is certified both on and off the Health Insurance Marketplace, for both Individual/Family as well as Group, or SHOP, and who represents many insurance carriers.  This should be the core of your game plan:  working with a true expert in all types of health insurance, in all markets, and who represents many insurance carriers.  More experience, more sources of coverage, from more carriers.

 

     With on the Marketplace options, work with a certified agent who gives you the same choices, same premiums, and same options for help with paying for your monthly premiums, called a premium subsidy, as with going it alone directly on the health.gov site.  This choice allows your agent to work with you for Individual/Family options; or for questions about possible SHOP coverage being offered by your employer.  Tt allows your agent the opportunity to contact your employer to request a free consultation about the possibility of Group, or SHOP, insurance being offered through your employer.  

 

2.  Work with an Expert Health Insurance Agent for Personalized Help, Enrollment, and Servicing Vs. Directly with Healthcare.gov Call Center or Directly with Your Insurance Carrier

 

     Unless you prefer to go it alone and work directly with the healthcare.gov site or directly with your Off-Marketplace insurance carrier, make it your game plan to work with an expert health insurance agent certified for all types, all sources, and who represents many insurance carriers.  This choice in your game plan gives you personalized help with selection, enrollment, and servicing; same options, same prices, same subsidy eligibility.

 

          If you work with one expert agent who is your designated agent on your Individual/Family original application or on your Employer's Group or SHOP account, your agent is not only your one designated agent, but your contact, versus, when going it alone directly on the healthcare.gov site, the government is your agent of record and your contact with its call center, which randomly assigns each new call to a new customer service representative, or each new email to their email help center, which auto-emails you back that they will contact you within two business days.

 

3.  Take Stock of Your Sources for Health Insurance

 

     An expert health insurance agent for all types of insurance, from all sources, and with many insurance carriers can best advise you on this, but make it your game plan to take stock of your sources for health insurance:

 

A. employer-sponsored group plan off the Healthcare Marketplace or on the Marketplace, called SHOP.  Both places have employee eligibility requirements.

 

B. individual or family plans, either on or off the Marketplace

 

C.  Medicaid, if you or your family qualifies

 

D.  CHIPS for children, if your child or children qualifies

 

E.   Tri-Care for military veterans and families, per eligibility requirements

 

F.  Veteran’s Administration Health Care Program

 

G.  Peace Corps Health Care Program

 

4.  Gather the Necessary Documents NOW Needed for Health Insurance Open Enrollment

 

   Again, your expert health insurance agent for all types and all sources of insurance, who represents many insurance carriers, can best assist you on this, but make it your game plan to gather NOW all the required documents necessary for your upcoming consultation and Open Enrollment:

 

For each person in your household and for each tax dependent who is out of your household but whom you claim on your income taxes, their:

 

A.  Full legal name

 

B. Residential address

           

C. Birthdate

 

D.  Social security number

 

E.  Whether or not any form of tobacco use or tobacco delivery use, such as e-cigs, within the past consecutive 12-month period

 

F.  For off the Health Insurance Marketplace options, the height and weight of each person.

           

G.  If you are married

           

H.  If you and your spouse have filed jointly for 2014 income taxes and if you plan to file jointly for 2015’s income taxes.

           

I.  If a legal U.S. resident but not a U.S. citizen, your immigration papers, called your Green Card.

 

J.  All Household Income Sources from each person, such as:

 

1.  Wages and salaries, as reported on your W-2 form

 

2. Your latest pay stubs

 

3.  If in any job, you receive tips, your total tip amount

 

4.  If you are self-employed or have a business, your net income from any self-employment or     business

 

5.  If you are or have been unemployed within 2015, your Unemployment compensation

 

6.  If you receive Social Security payments, including disability payments (but not Supplemental Security Income (SSI), your compensation

 

7.  If you receive or pay Alimony, your compensation

 

K.  If you are retired, your retirement or pension income, including most IRA or 401k withdrawals

 

L.  If you have investments, your investment income, like dividends or interest

 

M.  If you own rental property, your rental income

 

N.  Other taxable income

 

O.  Your 2014 Income Tax Return

 

P.  Your best estimate of your household income for the 2015 tax year and for 2016.

 

Q. Existing Health Insurance policy numbers, only if anyone in your household currently has a health insurance plan, even if an Employer-Sponsored Group or SHOP plan

 

R. Employer information for each person in your household, even if their employer doesn’t offer an Employer-Sponsored Group of SHOP plan

 

5.  Schedule NOW with your Expert Health Insurance Agent Certified for all Types and from all Sources of Insurance, Who Represents Many Insurance Carriers

 

     Unless you plan to go it alone directly on the Marketplace with the government as your designated insurance agent and contact or to go it alone directly with your insurance carrier for off the Marketplace  options with your insurance company as your designated insurance agent and contact, make it part of your game plan to contact and schedule your upcoming consultation and Open Enrollment NOW with your expert health insurance agent certified for all types and from all sources of insurance, who represents many insurance carriers. 

 

     Please note that not all insurance agents are licensed for health insurance.  Not all licensed health insurance agents are certified for both Individual/Family and Group, or SHOP.  Not all Individual/Family and Group, or SHOP, agents are certified for on and off the Marketplace.  Not all on and off the Marketplace agents are appointed with many health insurance carriers.  The expert health insurance agents who are certified for Individual/Family and for Group, or SHOP; who are certified on and off the Health Insurance Marketplace; and who represent many health insurance carriers, are in very high demand throughout the year, and are in extremely high demand during every Open Enrollment Period. 

 

    When scheduling NOW for your health insurance consultation and also for your Open Enrollment with your expert health insurance agent for all types and all sources of insurance, who represents many carriers, please remember you may have your consultation and enrollment which best fits your preferences, needs, and schedule:  either a face-to-face appointment, by phone, Skype, GoToMeeting, etc.  It is critical before the time of your appointment(s) for application that you have already gathered and already have on-hand all the required documents listed above.  If your consultation appointment and/or your Open Enrollment appointment are not face-to-face, it is also critical that you have computer and internet access already on-hand and connected.

 

     It is also critical at the time of your upcoming Health Insurance Open Enrollment application appointment that you designate your health insurance expert on that original application.  If not, this cannot be added later.   Your expert agent should give you the following information that must be on your original application: 

 

1. Your agent’s full name

 

2.  Your agent’s Business name

 

3.  Your Marketplace ID for on the Marketplace application or your agent’s ID and Producer Number with your chosen insurance carrier for off the Marketplace application

 

4. Your agent’s National Producer Number, which is different from his or her Marketplace ID or Producer Number.  Your agent's National Producer Number is critical to be on your Marketplace or your non-Marketplace application.

 

 

     The 2016 Health Insurance Open Enrollment Period for consultation and open enrollment is fast approaching.  Make it your #1 top priority in your game plan to take the time NOW to schedule with your expert health insurance agent who is certified for all types of insurance, from all sources, and who represents many insurance carriers. Make it your #2 priority in your game plan to prepare NOW for your consultation and Open Enrollment application appointment(s) by gathering all the required documents and keeping them in one place and on-hand.

 

 

     Catherine is an experienced insurance agent who is licensed for life, home, auto, business, health  and dental insurance.  She is certified for both Individual/Family and for Group, or SHOP.  She is certified both on and off the Health Insurance Marketplace, or the healthcare.gov site, as well as for supplemental health insurance.  She also represents many insurance carriers, both on and off the Health Insurance Marketplace, which give you more types and more sources of health insurance, from many insurance carriers.

     To schedule your free consultation and your upcoming Health Insurance Open Enrollment application appointment, please contact her:

1.  By phone or text message at:  940-597-4757

2.  By email at:  [email protected]

3. By private message on Skype, Facebook, Twitter, or LinkedIn through her ID:  giles4insurance

4.  By private email through her auto-schedule appointment tabs on her website:  www.giles4insurance.com

5.  By public posting on Skype, Facebook, Twitter, Linkedin, or Instagram through her handle: giles4insurance.  Please remember not to post any confidential information and please don't post any information you don't want everyone seeing.

 

 

 

 

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