Open Enrollment Quickstart Guide
Every year, the health insurance marketplace (also the Affordable Care Act) requires that you renew your policy, change plans, or – if you don’t have insurance – sign up for the first time. The open enrollment period is coming up, so it’s important that you get up to speed on requirements.
Whether you want to get new coverage, keep your plan, or update your health insurance policy, you’ve come to the right place!
When it comes to your health, you need accurate information from a trusted health insurance advisor to help you purchase a policy that meets all your needs and is within your budget.
Don’t go it alone when you’re enrolling in health insurance for the first time. There’s a lot of information you probably won’t understand, so rely on a local expert to help you navigate the ins and outs of complex health insurance policies.
Put your health care in faithful hands. We’ll guide you through the entire process from start to finish, walking you through all of the options and explaining complicated health insurance concepts and policy language in simple-to-understand terms.
You can ask as many questions as possible until you are confident that you have all the information you need to make an educated decision. Consider these topics.
- Family plans
- Individual plans
- Prescription drug coverage
- Dental coverage
- Vision coverage
- Short-term health care
- Low-priced health insurance plans
- High-deductible health insurance plans
- Coinsurance and deductibles
- Bronze, silver, gold, platinum plans.
Any time you have a question about a claim or your policy, give us a call at 800-722-7331.
We’re committed to offering you the highest quality of service. We pride ourselves on really getting to know you, your family and your needs, so you will speak to your personal representative every time.
Don’t let the annual open enrollment period pass you by without reviewing your health insurance coverage.
- Carriers may be offering a new policy or have made changes to their policies, which means you could get more coverage for the same cost.
- Your health insurance needs may have changed over the last year, and you may need more comprehensive coverage – or even less.
- Ensure you’re not overpaying for health insurance.
Review your health insurance needs with a pro before making a change. Get a free, no-obligation quote now so you can confidently re-enroll in your current policy or purchase an upgrade when open enrollment begins.
Open Enrollment Facts
During open enrollment, you can:
- Apply for the first time.
- Switch to a new plan.
- Renew your plan. (This happens automatically, so be sure to assess if your existing plan meets your needs. If it doesn’t, you can switch plans.)
If you experience a qualifying life event such as losing your job, getting married or divorced, or giving birth, you can purchase a new health insurance plan anytime.
Find out if you qualify for financial assistance in the form of health insurance tax credits, which is the amount of money you can subtract on taxes owed to the federal government. An expert can help you figure out if you qualify for a tax credit based on your household income and family size.
Sign up for health insurance during open enrollment if you:
- Don’t have employer-provided insurance or have access to a plan through your spouse’s employer.
- Don’t hold coverage through the government (such as Medicaid).
- Are over 26 and are no longer covered by your parent’s policy.
- Need a different network of providers.
- Have a plan that doesn’t meet your needs.
- Have employer-provided coverage that changes and/or doesn’t meet Affordable Care Act guidelines.
- Need to see a doctor that isn’t in your current network.
- Have budget changes.
There are three ways to enroll. Learn which one is right for you.
Talk to the independent health insurance experts at UROne Benefits (1-800-722-7331) and ensure continuity of care by having a personal representative familiar with your needs.