December 16th, 2014 – The holidays should be a time of joy, but growing “to do” lists can bring on stress if we’re not careful.
No doubt, you’ve heard commercials hyping the December 15th “deadline” for health insurance open enrollment. There is reason for concern for some, but the majority of people have much more time.
WHAT YOU NEED TO KNOW…
- If you got your 2014 health insurance policy through Connect for Health Colorado, receive Advance Premium Tax Credits AND want to change plans in 2015, then your plan change must be submitted by December 15th.
- If you need new health insurance and require those benefits to begin on January 1st, then enrollments must be submitted by December 15th, although one carrier extended this to December 20th.
- Pretty much everyone else has until January 15th to enroll for a February 1st start date or until February 15th for a March 1st start date.
WHAT TO WATCH OUT FOR…
- If you got your 2014 health insurance policy through Connect for Health Colorado and want to look at new plans, be careful. Clicking the wrong button can force you to go through PEAK denial process again.
- There is more to evaluating plans than looking at the monthly premiums and deductibles. Pay close attention to provider networks (hospitals and doctors), embedded vs family deductibles, out-of-pocket limits and pharmacy coverage.
Schedule a free review to get professional help with your 2015 plan selections through Connect for Health Colorado or direct with insurance carriers. We’ll work to help you find the right plan at the guaranteed best price.
Our licensed local agents will personally review plans from Colorado’s top rated health insurance carriers like Anthem Blue Cross Blue Shield, Cigna, Humana, Kaiser, Rocky Mountain Health Plans, United Healthcare and many more.
Colorado Health Insurance Brokers works with every major health insurance company in Colorado, are certified producers on Connect for Health Colorado and will help you get identify any tax credits that you might be eligible for.