INDIVIDUAL & FAMILY HEALTH PLANS
Health Insurance Matters, a division of Associated Benefits, LLC. is an independent health insurance agency that specializes in the Medicare market. We assist individuals with reviewing and understanding their enrollment options to make informed decisions. Being an independent agency allows us to work with a variety of insurance carriers offering appropriate policies to meet your individual needs.
If you miss the open enrollment period for individual health coverage you still might be able to get health insurance if you have had one of the following "Qualified Events" occur:
1. Just got married or divorced
2. Just had a newborn
3. COBRA coverage ending
4. Moved from out of state
5. Employer plan has been terminated
These events can allow you to enroll for coverage, make a plan change or add a new dependent within certain time periods.
There are Qualified Events for Individual Medicare plans also
Individuals with Medicare coverage are no longer eligible for subsidies once Medicare Part A coverage starts. As part of the Affordable Care Act, members enrolled in Medicare who receive tax subsidies for a Marketplace plan are no longer eligible for those subsidies. Federal rules dictate that clients enrolled in Medicare who still claim tax subsidies will be liable to pay them back when they file their 2019 tax return.
Beginning Jan. 1, 2020, CMS will no longer accept an individual’s HICN (Social Security Number) to enroll in a Medicare Advantage, Medicare Supplement or PDP Prescription Plan; all transactions must include the consumer’s/member’s new Medicare Beneficiary Identifier (MBI). 2019 was a transition year and CMS accepted both the HICN and MBI but this will end on Dec. 31, 2019.
Selecting the right health insurance plan is a matter of balancing your needs with your budget. We offer a broad range of health insurance plans providing coverage's that are ACA compliant with affordable prices. You can choose the health plan that is right for you and each member of your family. One size does not have to fit all.
Changes in Medicare that begin January 1, 2020 add special significance to this year's Medicare Open Enrollment for area seniors. Open Enrollment begins on Tuesday, October 15 and runs through Friday, December 7. During this time millions of seniors are given an opportunity to reassess their coverage and consider options for the coming year.
This is one of the most consequential Medicare Open Enrollment periods because of changes enacted by Congress that will impact many seniors already on Medicare.
In 2015, Congress passed a number of changes to Medicare that received little notice at the time. There's now limited time left to get information, make a choice and act.
Among the changes are the elimination of Medigap Plans C and F, two of the more popular options among seniors. The Medicare prescription drug program created in 2003 will also be impacted with the closing of the infamous Medicare Donut Hole.