Open enrollment is an amount of time every year when you have the opportunity to sign up for health insurance. If you don’t use this time to sign up for health insurance during the open enrollment, you likely won’t be able to sign up for health insurance until the next open enrollment period, unless you experience a qualifying event. Some examples of qualifying events are getting married, having a baby, or losing other health coverage.

If you’re eligible and apply for health insurance throughout the open enrollment, the health insurance plan must cover you. The insurance firm does not need proof of eligibility, nor is it allowed to use underwriting, both of which could make it difficult for you to obtain health insurance.

Open enrollment sessions are typically used for
● Medicare
● Job-based health insurance 
● Individual Market Insurance (resulting from the Affordable Care Act)

While there have been many options to improve the health care system, choosing health insurance isn’t like building a new house, where you are excited about all the options. Picking a health care plan can be more like a chore, with an abundance of health insurance terms and options. If you’re bewildered and don’t know where to begin, consider our services which include:

Medicare Supplement
Medicare Supplement plans are helpful because they can cover those things that Medicare is unable to. There is a difference between Medicare Advantage and Medicare Supplement. Some examples are copayments and deductibles. Coinsurance is why a supplement plan makes sense for you. With coinsurance, you may be able to cover expenses that original Medicare is unable to cover, or if the plan partially covers something, your supplement plan will make up the difference.

PPO Health Insurance
For those who need complete coverage at an affordable price, a PPO plan may be the best decision. As a Blue Cross and Blue Shield of Illinois Independent producer, we are the perfect party to consult with if you are wary of your HMO and would like to switch to a PPO insurance plan. A preferred provider organization (PPO) provides you with many benefits, an example being lower premium costs than that of an HMO.

We are a Chicago-based business that provides guaranteed acceptance for HSA plans to those under 65, with Medicare supplements as low as $51.00 a month. Even if you’ve had trouble getting approval in the past, we can help you find coverage for a lower price than you could expect elsewhere. To learn how to find the plan that’s right for you, contact Tom Miroballi to learn more about our services or call 630-863-3477 today.