There are many different Florida health care plans to choose from. Agents can evaluate your health care needs and determine what type of policy will work best for you and your family. While there are many factors that need to be considered, it’s important that you review your options and make a decision prior to the end of the open enrollment period. If you miss the open enrollment window and don’t have a qualifying event, you may have to wait until next year to get the coverage you need. It’s important for you to understand what open enrollment is and what qualifying situations will make you eligible for a special enrollment window.
Most Florida health care plans that are in place for 2021 have an open enrollment period that extends from October 15, 2020, to December 15, 2020. Policies written during this time will have an effective date of January 1, 2021. If you try to purchase health insurance outside of that window, you may be denied unless you have what is known as a qualifying event. If you can prove that a qualifying event has occurred, you will be allowed to purchase the insurance you need outside of the open enrollment window. Your insurance agent can help you determine whether or not you are eligible and what you can do if you miss the open enrollment window.
Qualifying events are situations in which your life has changed dramatically. This can involve a new marriage, a divorce, the birth of a child or the death of a spouse. Another example of a qualifying event would be the loss of your job or the health care coverage that you received through your employer. While many of these life events can be planned, others cannot and often have a dramatic impact on your financial situation. This is why many insurance companies will offer you a special enrollment period that allows you to change your existing coverage or purchase a new policy altogether. Don’t put off talking to your agent. If you have questions, call and set up a consultation.
If you are interested in purchasing a new health insurance policy or have experienced what qualifies as a life-changing event, you can turn to your local Palatka Insurance Agency, Bates Hewett & Floyd to get all of your questions answered. It’s important that you maintain your health insurance coverage from year to year. Contact one of our agents today if you have questions concerning your existing policy or are unsure of the open enrollment dates. We have the answers you need and will help you find the right policy to make sure both you and your family have the appropriate coverage.
When you think about an independent insurance agency in Northeast Florida, you probably think of a small to medium-size office run by a family or a few employees. If you have never visited or been inside Bates Hewett & Floyd, you have not experienced the big picture. With 30 employed professionals (currently seeking additional candidates to join the team) we are one big family (some blood, most not) that spans three offices and are spread throughout the many facets of insurance that Bates Hewett & Floyd.