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Don’t miss out on 2018 Marketplace Open Enrollment updates

Open Enrollment for 2018 Marketplace health insurance starts November 1! It’s shorter this year and ends December 15. Connect with us now, so you don’t miss out on deadline reminders and updates.

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3 ways to stay up-to-date about the Marketplace

  • Sign up for email or text updates and reminders: Visit the homepage, enter your email address under “Get important news & updates,” and click “Sign up.”

  • Connect with someone in your area to answer any questions you have: Visit our Find Local Help page and search by city and state or ZIP code to find trained helpers in your community.

  • Interact with us on social media: Follow us on Twitter, and like us on Facebook.

Get more information on 2018 Open Enrollment

5 easy ways to improve your health with Marketplace coverage

Health coverage is important whether you're sick or healthy. Here are 5 ways your health insurance can help you maximize your health and well-being:

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  • Take advantage of free preventive services: You may be able to get an annual visit or recommended preventive services for free, like the flu shot and depression screening.

  • Keep all your health information in one place: Use our "Coverage to Care: Roadmap to Better Care and a Healthier You (PDF)" to keep track of your coverage information, your providers, and your health. Use the checklist in the back to track your results.

  • Understand your insurance membership package: You probably got a membership package with information about your coverage and an insurance card. Read your materials carefully. You may need them when you see a provider or when you call your insurance company with questions. Never let anyone else use your insurance card.

  • Use an in-network provider: Not all types of providers and facilities take all insurance plans or types of coverage, and most of the time, you’ll pay less to see a provider in your network. Call the office before you go to make sure they see patients with your coverage. If you’re in an emergency or life-threatening situation, call 9-1-1.

  • Maintain a healthy lifestyle at home, at work, and in the community: Health insurance is important, but there's no substitute for a healthy lifestyle. Make time for physical activity, healthy eating, relaxation, and sleep.

Get more information on improving your health.

Do I qualify for Medicaid?

Medicaid provides free or low-cost health coverage to some low-income people, families and children, pregnant women, the elderly, and people with disabilities. Many states have expanded their Medicaid programs to cover all people below certain income levels. Medicaid qualifications depend partly on whether your state has expanded its program.

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Who can get Medicaid?

  • No matter your state, you may qualify for Medicaid based on your income, household size, disability, family status, and other factors. But if your state has expanded Medicaid coverage, you can qualify based on your income alone.
  • Enter your household size and state. We'll tell you who is eligible for Medicaid, if your state expanded and if you qualify for Medicaid based only on your income.
  • If you think you have Medicaid eligibility, you can create an account and fill out a Marketplace application. If it looks like anyone in your household qualifies for Medicaid or CHIP, we'll send your information to your state agency. They'll contact you about enrollment. You can apply any time of year.
  • If you don't qualify for Medicaid, we'll tell you if you qualify for financial help to buy a Marketplace health plan instead. (But unless you qualify to enroll with a Special Enrollment Period, you'll have to wait until the next Open Enrollment Period.)

What if I’m turned down by Medicaid?

  • You may be able to buy a private health plan through the Marketplace instead for the 2018 plan year in the fall. You may qualify for savings based on your income through a premium tax credit and savings on out-of-pocket costs.
  • If you don't qualify for either Marketplace or Medicaid savings, you still have options. Learn more here.

How to tell if your health insurance has started

Once you enroll in a Marketplace plan, you must pay your first premium to your health insurance company – not the Health Insurance Marketplace – so your medical coverage can begin. If you’ve already paid your premium, you can check if your health insurance is active online or in your plan materials to make sure your health insurance has started:

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IMPORTANT Continue to pay your monthly premiums

Make sure you continue to pay your monthly premiums to your health insurance company on time. They could end your coverage if you fall behind.

Verify your enrollment online

  1. Log in to your account.
  2. Click on your name in the top right and select "My applications & coverage" from the dropdown.
  3. Select your completed application under “Your existing applications.”
  4. Here you’ll see a summary of your coverage. Your coverage start date depends on when you enrolled or changed plans.
  5. If you don’t see your summary or still aren’t sure you’ve finished enrollment, call your insurance company. They can confirm if you have enrolled and paid your first premium.

Check your health insurance enrollment materials

  • Your plan will send you a membership package with enrollment materials and a health insurance card as proof of your insurance.
  • Carefully review these, and look through your plan’s provider directory to see where you can get care.
  • You’ll use the card when you get health care services, so keep it in a safe place.
  • If you didn’t receive a card, call your insurer to see if you should have received one already and to make sure your coverage is effective. You can find your insurer’s phone number on their website.

Want to change your health insurance plan? If you’d like to change your plan, you can do so now only if you experience a qualifying life event — like losing other coverage, having a baby, or getting married — and apply with a Special Enrollment Period.

What documents to submit to confirm your Special Enrollment Period

If you applied for Marketplace coverage through a Special Enrollment Period, you may need to submit documents to confirm you qualify. After you pick a plan, you have 30 days to send the documents.

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Find your life event on the list below to see what kinds of documents you can submit:

What documents can I submit?

  • If you moved: Documents must include your name and the date you moved. Examples include: bills, mortgage or rental documents, or a letter from an insurance company. In most cases, you also need to prove you had qualifying coverage for at least one of the 60 days before you moved. See the full list.
  • If you lost other health coverage: Documents must include your name and the date of your coverage loss. Examples include: a letter from your insurance company or employer, a health care program document, or pay stubs. See the full list.
  • If you adopted a child or gained a dependent through a foster care placement or court order: Documents must include the name of the person who became a dependent and effective date. Examples include: an adoption letter or record, foster care papers, or a document for legal guardianship. See the full list.
  • If you got married: Documents must include the names of the married couple and the date of the marriage. Examples include: a marriage certificate, marriage license, or marriage affidavit. See the full list.
  • If you were denied Medicaid or CHIP: Documents must include your name and the date you were denied coverage. Examples include: a denial letter from your state agency, a letter from the Marketplace, or a screenshot of your eligibility results. See the full list.

Ready to submit?

Don't worry: Marketplace insurance covers pre-existing conditions

Did you know that no insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for a pre-existing condition?

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What's a pre-existing condition?

  • A pre-existing condition is a health problem you had before the date that your new health coverage starts.
  • Epilepsy, cancer, diabetes, lupus, sleep apnea, and pregnancy are all examples of pre-existing conditions.

Is my health coverage affected by my pre-existing condition?

  • No. Treatment for any pre-existing medical condition is covered from the day your coverage began.
  • Once you’re enrolled, your plan can’t deny you coverage or raise your rates based only on your health.
  • Marketplace plans can't put annual or lifetime limits on your coverage.

What if I'm pregnant?

  • If you were pregnant before you applied, your insurance plan can't reject you or charge you more because of your pregnancy.
  • Once you're enrolled, your pregnancy and childbirth are covered from the day your plan starts.

Learn more about pre-existing condition coverage.

5 facts about Special Enrollment Periods

For most people, the deadline to enroll in a 2017 health insurance plan has passed. But you may still be able to enroll in health coverage for the rest of 2017 if you qualify for a Special Enrollment Period.

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5 things to know about applying with a Special Enrollment Period

  1. You may be eligible to apply with a Special Enrollment Period if you experience certain life events, like moving, losing other health coverage, or having a baby. See the full list of life events here.
  2. You usually have up to 60 days following the event to enroll in a plan. If you miss that window, you have to wait until the next Open Enrollment Period, which starts on November 1, 2017, to apply for 2018 coverage.
  3. You can quickly see if you may qualify. Start by answering a few fast questions.
  4. Depending on your life event, you may be required to provide documents that prove your eligibility to enroll. You must send them before you can start using your coverage. Get more information on confirming your Special Enrollment Period eligibility.
  5. You can enroll in Medicaid and the Children’s Health Insurance Plan (CHIP) any time of year, whether you qualify for a Special Enrollment Period or not.

Learn more about getting coverage outside Open Enrollment.

You have questions – we have answers!

Have questions about the Marketplace? Don’t worry — we’re here to help!

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Answers to your common questions

Where can I find 2017 Marketplace plans and prices?

If I can’t enroll with a Special Enrollment Period or through Medicaid or CHIP, when is the next Open Enrollment Period for Marketplace insurance?

  • The 2018 Open Enrollment Period runs from November 1, 2017 to December 15, 2017.
  • Plans sold during Open Enrollment start January 1, 2018.

How do I report changes to my income, family, or address?

  • You report changes to the Marketplace by updating your application. You can update your application online, by phone, or in-person — but not by mail.
  • It’s important to report any changes as soon as possible. Your coverage and savings may be impacted.
  • Learn more about reporting changes.

Still need answers?

Visit our Get Answers page for fast answers to other common questions.

POSTED JULY 27, 2017
Can you enroll in health insurance right now?

When big changes happen in life, like if you have or adopt a baby, move, or get married, you may be able to enroll in Marketplace health insurance for the rest of 2017 with a Special Enrollment Period.

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Not sure if you qualify?

Note: When you apply, you must confirm the information on your application is true. You may be asked to submit documents to confirm your life change.

What if I don’t qualify?

  • You can apply for free or low-cost coverage through Medicaid and CHIP any time, all year. If you qualify, you can enroll immediately.
  • If you’re not eligible for 2017 coverage, the Open Enrollment Period for a 2018 plan runs from November 1, 2017 to December 15, 2017.

Get more information on getting covered outside Open Enrollment.

POSTED JULY 20, 2017
3 tips to prepare for your first doctor’s visit

Now that you have Marketplace health insurance, here are three things to remember before you visit your doctor:

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Gather what you’ll need

  • You may be asked to provide your insurance card, photo ID, completed forms they may have sent you before the appointment, and your copay, if you have one.
  • You may need to fill out other forms and read over their privacy policy after you check in.

Know your health history

  • So your doctor better understands your health and lifestyle, consider sharing your family health history and medical records, and any medications you’re taking.
  • You may want to bring someone with you, like a friend or family member.

Prepare questions

  • Before the appointment, write down any questions or concerns you may have, so you don’t forget to ask.
  • If you don’t understand what your doctor is saying, don’t hesitate to ask for clarification. They’re there to help!
  • See if your doctor has any written materials you can take home and read, and if there’s a phone number you can call if you come up with questions later.

Get more information on preparing for your first doctor’s visit (PDF).

POSTED JULY 13, 2017

News – Insurance Journal

Most Produce Farmers Hit by Recent Hurricanes Not Covered by Federal Crop Insurance
In the U.S, government-backed insurance plans help compensate farmers for losses after natural disasters. Unfortunately for the produce growers that were ravaged by recent hurricanes, a lot of the nation’s vegetable and fruit crops aren’t covered. Hurricanes Irma and Harvey, …

POSTED SEPTEMBER 20, 2017 12:42 PM
Category 4 Hurricane Maria Barrels Into Puerto Rico
Hurricane Maria slammed into southeastern Puerto Rico as a Category 4 storm with the potential to inflict $30 billion in damages just two weeks after Irma ravaged the cash-strapped island. Top winds reached 155 miles (249 kilometers) per hour as …

POSTED SEPTEMBER 20, 2017 12:32 PM
Search for Survivors Underway after Mexico Earthquake; Hundreds Killed
Mexican search and rescue teams worked through the night after an earthquake rocked one of the world’s largest urban centers, killing hundreds and reducing buildings to rubble. Military police, paramedics and volunteers, aided by giant flood lights, sifted through the …

POSTED SEPTEMBER 20, 2017 12:27 PM
FedEx Goes Cyber Insurance Shopping After Profit Takes Hit from Attack
Package delivery company FedEx Corp. said on Tuesday a June cyber attack on its Dutch unit slashed $300 million from its quarterly profit, and the company lowered its full-year earnings forecast. The company said the cyber attack slashed 79 cents …

POSTED SEPTEMBER 20, 2017 12:00 PM
EU Seeks More Control Over Insurers and Financial Sector
The European Commission proposed on Wednesday transferring some powers to oversee the financial sector from national capitals in a move to extend the EU’s grip on the industry as the bloc prepares for the departure of London, its main financial …

POSTED SEPTEMBER 20, 2017 10:46 AM
Ferris Wheel Owner Says Injured Kid At Fault for Tennessee Fair Accident
The owner of a Ferris wheel in which four people were injured in Tennessee last year has responded to lawsuits over the incident, saying that one of the injured children was to blame for a gondola overturning. The Greeneville Sun …

Chemical Explosion at Florida Food Warehouse Injures 3
Authorities say three people suffered injuries in a chemical explosion at a Florida warehouse. Lakeland Fire Department officials said about 50 people were eflvacuated from the area around the Natural Advantage Food Flavorings plant on Friday afternoon. Sixteen people, including …

Agriculture Officials Say Florida Crops Devastated by Irma
Florida’s agriculture commissioner said Monday that the path of Hurricane Irma “could not have been more lethal” to the state’s farmers and that the scope of damage to the state’s fruits and vegetables is unprecedented. Commissioner Adam Putnam, along with …

California Commissioner Sums up Trump Battle, High on Cannabis Insurance
It’s David vs. Goliath. That about sums up California Insurance Commissioner Dave Jones’ feelings on his efforts to keep the remnants of Obamacare up and running in his state while President Trump does his best to repeal and replace it. …

Travelers’ Cunningham Joins Liberty Mutual to Lead National Insurance Property
Liberty Mutual Insurance has appointed Gregg Cunningham as executive vice president, National Insurance, and general manager, National Insurance Property. Cunningham, who has 25 years of commercial insurance experience, leads the area of Liberty Mutual that provides property insurance, inland marine …


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