Tips to Help You Get Ready For Open Enrollment

Open enrollment in the Federal Health Insurance Marketplace begins on November 15, 2014 and runs through February 15, 2015.

As you prepare to make important decisions about your upcoming health coverage, keep in mind the helpful tips listed below.

Currently insured?

1. Review and update your Marketplace account information.Visit HealthCare.gov to access your account. You can also call 1-800-318-2596 to make updates to your account over the phone. It’s a good idea to review your account even if your personal information hasn’t changed.

  • Depending on your income, you may qualify for a subsidy to help pay your premiums, or you may qualify for Medicaid.

2. Compare plans. When you log into your Healthcare.gov account, follow the “Enroll To-Do List.” Compare 2015 plan costs and benefits and learn whether more affordable plans or plans that offer services that better meet your needs are available to you this year.

3. Choose your health plan for 2015. You can keep your same plan if it’s still being offered or you can select a new plan that better fits your needs. If you want to stay enrolled in your 2014 plan, use the plan identification in the letter you receive from your health plan.

4. Enroll. Complete your enrollment by December 15, 2014 to have coverage that starts on January 1, 2015. During open enrollment, if you enroll:

  • Between the 1st and the 15th days of the month, your coverage starts the first day of the next month.
  • Between the 16th and the last day of the month, your coverage starts the first day of the second following month. For example: If you enroll on January 16, your coverage will start March 1.

5. Stay Covered. After completing your enrollment, contact your plan to confirm your enrollment and don’t forget to pay your premium.

Currently uninsured?

If you’re uninsured or seeking new coverage, this is the time to review your options and find a plan that meets your needs. Penalties for not having health coverage will increase in 2015.

To find a plan and learn if you qualify for tax credits to help you pay for coverage, visit Healthcare.gov.

What to do if you need help

Contact Aurora Health Care’s Patient Enrollment Help Line at 1-877-732-6334 to get connected with an enrollment assister who can answer your questions and help you enroll into coverage.

If you still have questions about the insurance exchange, HealthCare.gov has resources available to help you apply for health coverage. You may also contact the Marketplace call center for assistance at 1-800-318-2596.

The Center for Medicare and Medicaid Services also has created this helpful flyer outlining 5 steps to staying covered through the Marketplace.

Finally, insurance providers are always a great resource to learn about their plans and what they can offer you and your family.

Meet the Author

Julie Kallies is the Vice President of Revenue Cycle, Patient Services at Aurora Health Care.

Read more posts from this author

The information presented in this site is intended for general information and educational purposes. It is not intended to replace the advice of your own physician. Contact your physician if you believe you have a health problem.

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