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OEP, SEP... What does it all mean? Let us help you navigate the health insurance landscape to discover the best fit for you today.

Open Enrollment Period

Open Enrollment Dates are November 1, 2016 to January 31, 2017. During open enrollment you can enroll or change plans through the Health Insurance Marketplace and individual health insurance carriers.

Important dates to remember:

  • December 15, 2016 - You must choose your plan and enroll on or before this date for coverage to start on January 1, 2017.

  • January 31, 2017 - Final date to enroll in a 2017 health plan. Your coverage will start on March 1, 2017 if you wait until this date.

After January 31, 2017 you can enroll or change plans only if you qualify for a Special Enrollment Period (SEP).

Contact us today for a network search, subsidy determination, enrollment assistance, or your complete review.

Annual Election Period

The Annual Election Period runs from October 15 to December 7 every year. During this time you can:

  • Switch from Medicare to Medicare Advantage

  • Switch from Medicare Advantage to another

  • Switch from one Medicare Part D (drug plan) to another

  • Enroll in a Medicare Part D plan if you didn't enroll when you were first eligible to do so

How will you know what your out of pocket medical expenses will be for the upcoming year? Do you know what you will pay at the pharmacy each month for your prescriptions? While there is no way to guarantee a final estimate, we will review your current plan with alternate plans to show you where you could save money each month, save on prescriptions, and choose a plan with more benefits and less out of pocket maximum exposure.  Call today to schedule your no cost, no obligation comparative review.

SEP (Health Insurance)
Special Enrollment Period
SEP (Medicare)
Special Enrollment Period

Your Special Enrollment Period (SEP) is the time of year outside Open Enrollment (OEP) when can sign up for health insurance.

If you do qualify for an SEP, you usually have 60 days following the event to enroll in a plan. If you miss that window of time, you must wait until the next OEP to enroll.

The following events qualify you for Special Enrollment:

​Loss of Health Coverage

  • Losing existing health coverage including job-based, individual and student plans

  • Losing eligibility for Medicare, Medicaid or CHIP

  • Turning 26 and aging off your parent's plan

Changes in Household

  • Getting married or divorced

  • Having a baby or adopting a baby

  • Death of a named insured

Changes in Residence

  • Moving to a different zip code or county

  • Student moving to or from the place they attend school

  • Seasonal worker moving to or from the place they both live and work

  • Moving to or from a shelter or other transitional housing

Other Qualifying Events

  • Changes in your income that affect the coverage you qualify for

  • Becoming a US citizen

  • Leaving incarceration

  • AmeriCorps members starting or ending their service

If you do not currently have health insurance and these situations do not apply to you, there are other types of coverage you can still enroll in. Call today for more information.

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