Frequently Asked Questions
How Much Does It Cost To Use a Broker?
It does not cost you anything to utilize Katie as your Health Insurance broker! Health insurance brokers work in their clients best interests and are paid by whatever insurance company the client chooses to get coverage from. There is not additional premium or consultation cost to the client.
How In Advance Do I Need To Reach Out?
For Medicare clients - it’s best to reach out 3-4 months prior to your 65th birthday or as soon as you know you are going to retire/transition to Medicare. Some people prefer to reach out earlier to get a better understanding of their expected costs/benefit options to help them decide when and if it is time to transition to Medicare.
For Under 65 clients - It is helpful to start the process as soon as you are aware you will be needing coverage. Application processing times can vary depending on the plans that you are eligible for, so it is helpful to have as much time to prepare as possible.
Do I Need To Go Through The State Exchange For Insurance?
No. Beneficiaries are not required to sign up for insurance through the state exchange or Pennie, although it may be in their best interests to do so if they eligible for an advanced tax credit from the state. As a Pennie certified broker, I screen my clients to help determine what the best pathway too enrollment may be for their needs and eligibility.
When During The Year Can I Sign Up For Insurance?
There are many different enrollment periods and which one applies to you is dependent on your personal situation. Annual enrollment periods are periods in which anyone can enroll or make a change to their existing coverage. For those under 65 - the Annual enrollment period runs from November 15 - January 15th which coverage effective either January 1st or February 1st. For those Medicare eligible, the annual enrollment period runs from October 15th - December 7th which coverage effective January 1st. Outside of the annual enrollment periods, there are numerous special enrollment periods that apply to life specific situations: retirement, loss of existing coverage, marriage, child birth, divorce, financial eligibility, ect. If we are outside of the annual enrollment period, it doesn’t hurt to have a conversation to see if your specific circumstances may garner you a special enrollment period.
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