Open enrollment under the Affordable Care Act (ACA) is upon us. In most states, open enrollment begins on November 1, 2020 and ends on December 15, 2020. If you’re an ACA subscriber or you want to change plans, call us now because appointments fill quickly. We want to guide you to the best plan for your money and help you determine which medical providers are in your current exchange plan.
Health insurance is complex, and you want to be sure you have expert guidance before you buy health coverage. If you miss the open enrollment deadline, you may lose coverage under the ACA. Without an ACA plan, your only choice may be an “off-exchange” health plan or a short-term medical plan that may not provide the same benefits as the ACA. It won’t cover you for certain preexisting conditions. It may not offer maternity care, prescription coverage or substance abuse treatment, which are all covered by the ACA.
On the plus side, short-term plans take effect within 24 hours of the application and payment of the premium. Premiums may be lower than ACA plans and may offer access to more doctors and hospitals. Major insurers manage today’s ACA plans, so they may cover your physicians under certain ACA plans.
Why go it alone on the ACA website? We’re happy to be your guide through the confusing maze of the Affordable Care Act, and we can help you determine which level of coverage best meets your needs.