Open Enrollment 2018 begins on October 15th for Medicare Beneficiaries and ends on December 7th. For Individuals and Families on an ACA approved policy through the Exchange, Open Enrollment begins on November 1st and ends on December 15th. Both Open Enrollments have plans begin on January 1st, 2019. If you do not apply for a plan during Open Enrollment, you will not be eligible to sign up for another policy until the Open Enrollment Period in 2019, with an effective date of January 1st, 2020. However, there are a few exceptions that allow for a Special Enrollment Periods. You can qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, etc. To find out if you will qualify for a Special Enrollment Period, please contact us and we can help discuss your individual circumstances.
Medicare Open Enrollment: For those on Medicare, Total Benefit Solutions, Inc realizes that no two Medicare Eligible Individuals are the same. Each person has a unique medical history and with the long list of not just plans, but different types of policies available making a choice may seem difficult. Especially when you realize this is a plan you will be locked into for a full year. This is why Total Benefits Solutions has put together a team of dedicated, trained, licensed and annually certified professionals to help you get the most from your benefits.
To start the process, we will need a Scope of Appointment form filled out. This has to be done every year. The Scope of Appointment form is required by law by CMS as a protection. You can return the form via our secure fax at 1-888-287-3186, email or by postal mail. We do recommend you getting it into us as soon as possible though. Along with the Scope of Appointment, we do ask for a list of Medications and Doctors you see. This information is optional, however, giving us this information helps us narrow down the best plan choices for you. You may download and print the form here.
One last thing you should know, as a Medicare Beneficiary, you may be entitled to benefits you don’t know about! BenefitsCheckUp helps you find and enroll in public and private benefits programs. You can also find information on Medicare Prescription Drug Coverage including an online application for the Extra Help. It’s simple, free and always includes the most up-to-date information. Click here to visit Benefits Checkup. As always, if you have any questions regarding your Medicare Benefits, please give us a call at 215-355-2121.
The Market Place Open Enrollment: For Individuals and Families who are looking into the guaranteed issue policies the ACA has made available, we offer a ton of services to help you get the most out of your benefits. An Individual who is 28yrs old and healthy may not want to pay for a plan as comprehensive as a Family of four with two young children. Some people have very specific Doctors that they need to have in-network, while others are open to whom they see. With so many factors to consider, you can feel lost and confused. Even a small enrollment mistake could cost you big, and you can be stuck “locked in” a bad plan until the next open enrollment! Proper advice might keep more money in your pocket and can improve your overall coverage too!
In order to get the most out of your benefit choices, Total Benefits Solutions has designed a custom form for our clients to use. Using this form and submitting it to Total Benefit Solutions Inc will enable our Marketplace trained and certified licensed independent brokers to assist you from the enrollment process, to registration and right through the enrollment! More information can be found here. However, if you’d rather run quotes for all the major carriers and apply online yourself, please click here! As always, if you have any questions, please give us a call at 215-355-2121.
Additional Info for both Enrollment Periods: Call us for an appointment now! While we still have some time until Open Enrollment officially begins, you don’t want to wait til last minute. Appointments with us are booking up FAST and we can not guarantee that walk-ins will be able to be seen. It’s best to make an appointment or give us a call before stopping by! If you can not make it into our office for an appointment, don’t worry! Most reviews can be done over the phone or online which saves you time and speeds up the application process!
If you are interested in a review of Marketplace plans you can call us with your 2019 modified adjusted gross income projection and we will run quotes for your options.
If you are interested in a review of your Medicare Advantage, Medicare Supplement, or Prescription Drug Plan please call our office and we will email you the forms we need to review options for you.
In addition to these medical policies, we can also discuss other options available to you including Dental, Vision, Life, Accident, Hospital and Critical Illness policies. We even have alternative healthcare programs that can save you money such as, Medi-Share: Christian Health Sharing Ministry Remember as your independent broker we always work in your best interests, not an insurance company. We represent you, our client, and not an insurer or government agency.
427 E. Street Road • Feasterville, Pa • 19053
Office: 215-355-2121 or toll-free at 1-800-924-6718
Secure Fax Line: 1-888-287-3186