2018 Health Care Open Enrollment
November 1, 2017 through December 15, 2017
6 weeks
to get enrolled in coverage or make changes to your existing plans.
Things to Know
Fewer Insurance Companies Available
Anthem Insurance Company will no longer be available as an option for individual coverage in 2018. Companies providing coverage for central Ohio residents are expected to be Medical Mutual of Ohio, Molina Health and CareSource. If you reside outside of central Ohio, contact our office for the name of the company (ies) offering health insurance coverage in your county.
Renewal Letters from Insurance Companies and the Marketplace
Early October you will begin to receive renewal letters from the Marketplace and your insurance company. Be sure to open your mail. Premiums and plans will change for 2018.
Limited Access to Hospitals in Networks
Most plans available will be HMO plans (in-network benefits only) and will greatly reduce the number of hospitals and physicians available. Be sure to consult with your physician(s) to determine the insurance carrier and health plan that they will accept.
Premium Subsidy Update
If you are receiving a premium subsidy from the Marketplace and your income has changed, you must contact the Marketplace to update your subsidy amount. If your income increased, you may have to refund a portion of the subsidy received when you file your 2017 income tax or if your income decreased, you could be eligible for a larger subsidy. The Marketplace can be reached at
1800 318-2596
.
2018 Enrollment Requires Electronic Payments Only
At the time of application, payment must be made with future premium payments through monthly electronic funds transfer. If your policy lapses for non-payment, reinstatements may not be available thus, you would not
be eligible for coverage until 2019.
Special Enrollment Period
Remember, if you lose coverage or have a life change, you have 60 days before or 60 days after the change to obtain new coverage. If you miss these dates, you would have to wait until Open Enrollment.
We’re here to help. Call our office to schedule your enrollment appointment today for Open Enrollment 2018.
Sandra Moody Gresham, LUTCF, CLTC, CPIA
Dehan Enterprises Insurance & Financial Services LLC
