Open Enrollment Deadlines
- The 2019 Open Enrollment Period runs from Thursday, November 1, 2018, to Saturday, December 15, 2018.
- If you don't act by December 15, you can't get 2019 coverage unless you qualify for a Special Enrollment Period.
- Plans sold during Open Enrollment start January 1, 2019.
Easy Ways to Spread the Word about Open Enrollment
Link this digital flyer t to your email signature. Copy and paste this: Digital Resources: Open Enrollment 2019
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Official Health Insurance Marketplace and Education resources.
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Access the Official Open Enrollment Calendar for 2019!
2019 Open enrollment Google calendar for scheduled events on the ground and on social media platforms.
Get affordable health insurance quotes at AgileHealthInsurance.com
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Health Benefit Indemnity Insurance - What is it? An health insurance plan that offers financial protection for commonly needed medical services, including hospital and doctor benefits. When you experience a covered medical event, HBI pays a set fee, directly to you or a provider designated by you. HBI also can include supplemental medical insurance coverage for critical illnesses or accidents, as well as supplemental non-insurance services such as telemedicine, insurance advocacy, and pharmacy. Unlike traditional insurance, where you are responsible for paying co-pays and coinsurance, HBI offers "first dollar coverage", which provides you more flexibility for managing health care expenses.
Short Term Health Insurance - What is it? Major medical insurance that provides coverage for a defined period of time and generally has a much lower monthly premium than other forms of major medical health insurance. There are two other big advantages of Short Term Health Insurance over other forms of major medical insurance such as an Obamacare (ACA) plan or an employer-based plan.
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Questions about Open Enrollment? Check out this FAQ for more information
What does short-term health insurance cover? Short-term health insurance is major medical insurance for a set period of time. It covers doctor visits, hospitalizations, emergency care, lab tests, x-rays, and other common medical needs.
Is short-term health insurance “creditable coverage” under federal law? Yes, short-term health (STH) insurance is considered “creditable coverage” under the Health Insurance Portability and Accountability Act (HIPAA). Under federal law, if you have a gap in insurance coverage longer than 63 days, and you are diagnosed with a serious illness or become pregnant during that time, you will lose your health insurance rights to have these conditions covered by your next health insurance plan. Instead, the new health plan can impose a wait period of several months before you will be insured for these conditions. That is why it’s important to have continuous health coverage under a “creditable” plan, such as short-term health insurance. Illnesses and conditions developed while on a creditable coverage plan will be covered on the date your new health plan becomes effective.
Is short-term health insurance Obamacare? No. Short-term health insurance is a streamlined insurance plan. While it includes many benefits, it does not cover all 12 of the minimum essential benefits that the Affordable Care Act plans are required to cover. For example, in most cases, short-term health insurance will not include maternity care or mental health services.
In addition, short-term health insurance involves an application. Depending on your health status, your application may be declined or your pre-existing condition may be excluded. Obamacare guarantees that all applicants and their pre-existing conditions will be covered, no matter what your health status.
When can I apply for short-term health insurance? You can apply at any time. There is no fixed open enrollment period. On Agilehealthinsurance.com, you can submit your application and, if approved, your insurance can be effective within as little as 24 hours.
Can short-term health insurance be renewed? In some states, you can reapply for new short-term health insurance. This is not the same as renewing a plan. You must submit a new application with your up-to-date health information and the carrier will determine whether to underwrite a new policy for you; your application may be declined.
What about the Obamacare tax? The Obamacare tax is the “Shared Responsibility Tax” and applies to individuals who have gone without an Affordable Care Act plan (such as Obamacare or employer-based plans) for three months or more within a calendar year. If you have a term health plan for a period of less than three consecutive months, and Obamacare coverage for the remainder of the year, you may not be subject to the tax.
Very important to note that starting in 2019, THERE IS NO MORE PENALTY!
What about cancelling a plan? Within the first ten days of the effective date of your plan, you can cancel and will receive a full refund. For cancellation beyond the ten days, you simply email or call us with your reason for cancelling. We try to handle your request within 24 business hours.
What about pre-existing conditions Typically, short term health insurance costs less than Obamacare because it doesn’t cover pre-existing conditions. Also, there is an application with health questions that can make you ineligible.
What conditions on the application will make me ineligible? Within the last 5 years if you have been diagnosed, treated, or taken medication for any of the following conditions, term health insurance cannot be issued: Cancer or tumor, stroke, heart disease including heart attack, chest pain or had heart surgery, COPD (chronic obstructive pulmonary disease) or emphysema, Crohn's disease, liver disorder, degenerative disc disease, rheumatoid arthritis, kidney disorder, diabetes, degenerative joint disease of the knee, alcohol abuse or chemical dependency, or any neurological disorder; HIV or AIDS; or if you are now pregnant or in the process of adoption.
If you are looking for insurance to cover your pre-existing conditions, we can refer you to an agent who can help you find a health insurance plan that to cover these conditions:
For ACA/Obamacare Plans: 888-475-8043
For Medicare Plans: 888-641-7553
Email support - email@example.com
Call (800) 314-5594
If you're still feeling confused or overwhelmed by the options and information during Open Enrollment, get in touch with us. We can help simplify the process and make it easy for you!