What type of coverage do you need?

ORLANDO, Fla.—Get ready to apply for 2019 Healthcare Insurance coverage, starting this November 1st! The Open Enrollment Period runs from November 1 to December 15, 2018.

The Marketplace won’t affect your Medicare choices or benefits. No matter how you get Medicare, whether through Original Medicare or a Medicare Advantage Plan (like an HMO or PPO), you won’t have to make any changes.

If you have Medicare, it is not part of the Health Insurance Marketplace so you can't switch to Marketplace insurance, supplement

your coverage with a Marketplace plan, or buy a Marketplace dental plan.

If you have a Marketplace plan and are turning 65 sometime this year, you may become eligible for Medicare.

Once you’re eligible for Medicare, you’ll have an Initial Enrollment Periodto sign up for Medicare. For most people, the Initial Enrollment Period

starts 3 months before their 65th birthday and ends 3 months after their 65th birthday.

It may be to your advantage to sign up for Medicare when you’re first eligible because:

  • Once your Medicare Part A coverage starts, you won’t be eligible for a premium tax credit or other savings for a Marketplace plan. If you kept your Marketplace plan, you’d have to pay full price.

  • If you enroll in Medicare after your Initial Enrollment Period ends, you may have to pay a Part B late enrollment penalty for as long as you have Medicare. In addition, you can enroll in Medicare Part B (and Part A if you have to pay a premium for it) only during the Medicare general enrollment period (from January 1 to March 31 each year). Coverage doesn’t start until July of that year. This may create a gap in your coverage.

    If you don't have health insurance through a job, Medicare, Medicaid, the Children's Health Insurance Program (CHIP), or another source that provides qualifying health coverage, the Marketplace can help you get covered.

    If you have job-based insurance: You can buy a plan through the Marketplace, but you'll pay full price unless your employer's insurance doesn't meet certain standards. Most job-based plans do meet the standards.

Make sure to have the following information on hand at the time you begin your application:

• Information about your household size.

• Figure out who in your household should apply before you start your application.

• Home and/or mailing addresses for everyone applying for coverage.

• Information about everyone applying for coverage, like Social Security numbers and birth dates.

• Information about the professional helping you apply (if you’re getting help completing your application).

• Information on how you file your taxes.

• Employer and income information for every member of your household (for example, from pay stubs or W-2 forms—Wage and Tax Statements).

• Your best estimate of what your household income will be in 2019.

• Policy numbers for any current health plans covering members of your household.

• A completed “Employer Coverage Tool” for every job-based plan you or someone in your household is eligible for. (You’ll need to fill out this form even for coverage you’re eligible for but don’t enroll in.)

• Notices from your current Marketplace plan that include your plan ID, if you have or had Marketplace coverage in 2018. Document information for legal immigrants.

You can apply for coverage in 5 ways
Starting November 1, you can apply any way that works for you:

  • Online

  • By phone

  • With in-person help

  • Through an agent or broker

  • With a paper application

    The plans are offered by private insurance companies with a range of prices and feature, and your savings depend on your expected household income for the year.

We at Garzor Insurance, in association with Insurance Avisors24, are proud to now offer assistance with your Healthcare Insurance whether for individuals or businesses.

For personal insurance solutions check out our sister company Orlando Insurance Center

Posted 12:02 PM

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