You got the letter, or the last day, a birthday. Coverage you didn’t have to think about is ending, and now you have a deadline.
With just an age and a zip code, I can send you general costs for plans available in your area. No forms, no charge.
Your special enrollment window after losing coverage, moving, marriage, a baby, or turning 26.
How fast a short-term bridge can start if you need to cover a gap.
Losing coverage, COBRA, moving: there are several events that trigger a special enrollment period. This 60-day window is specifically for state marketplace plans. Most people don’t know that if they aren’t in a claim, they can get insurance ANY month of the year. Don’t qualify for a subsidy? Paying expensive COBRA premiums? Think you have to wait for open enrollment? You don’t have to.
If you’re inside the 60 days with pre-existing medical issues or a significant income change, you may qualify for lower costs on a marketplace plan with a tax credit (subsidy). If you have to wait until next month or missed your window, a bridge plan or short-term policy can fill that gap and start the same day.
I’m Nathan Baughman with BIG Benefits. Many clients find me during times of change. I help remove some of that stress and build a plan specific to you based on your needs and budget.
COBRA isn’t automatically the answer. It’s the same plan…now at full price. Often a marketplace plan with a credit is less, or maybe you don’t need that much coverage. You have 60 days to compare your options.
Dental and vision. While COBRA can be very expensive for your health coverage, more often than not your dental and vision is very competitive. We can help you find more affordable medical coverage, and you can elect to keep only the dental and vision.
Your other benefits. Losing employer coverage means losing all the benefits, not just the health insurance. If your company provided life insurance, supplemental coverage or disability, confirm what is portable, or whether it’s worth getting your own policy.
1. Is there a maximum out-of-pocket? 2. Is it an unlimited contract? 3. Is it major medical?
The phrase “$0 deductible PPO” is a HUGE RED FLAG. You can have a $0 deductible if there is no maximum amount to cover. Deductibles don’t mean you have insurance…these three questions do.
“We had a short gap in coverage because of a job change. Nathan was prompt with his response, talked us through our options and gave us a great service to find short-term coverage to cover the gap.” — Google review
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