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New to 3 things you should know

If you haven't applied for insurance on before, here are three things to know about the Health Insurance Marketplace:

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3 Marketplace health insurance tips

  • Open Enrollment for 2018 health insurance runs from November 1 through December 15, 2017. Plans joined during Open Enrollment start January 1, 2018. There are a few things you can do now to get ready.
  • See if your income is in the range to save before you apply. Select your household size and state to see if you may qualify for savings.
  • Marketplace plans must cover a set of preventive services — like shots and screening tests — at no cost to you. Essential health benefits are minimum requirements for all Marketplace plans.

Get more fast Marketplace tips.

Open Enrollment is almost here & there’s a new deadline to enroll

Open Enrollment for 2018 Marketplace health insurance is just a few weeks away. Here are some important dates to remember:

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  • The 2018 Open Enrollment Period runs from November 1 to December 15, 2017. This means you have six weeks to enroll in or renew a plan.
  • Plans joined during Open Enrollment start January 1, 2018.

Get ready today for November 1

  • Use this simple checklist (PDF) to gather documents you’ll need.
  • Get a quick Marketplace overview with these Marketplace tips.
  • 2018 health plans and prices will be available to preview shortly before Open Enrollment starts. Check back soon.

Get ready for 2018 Open Enrollment

Open Enrollment for 2018 health insurance is right around the corner! Starting November 1, you can enroll, re-enroll, or change plans for 2018 through the Health Insurance Marketplace. Here's what you can do now to make the application process quicker and easier:

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5 tips to get ready for 2018 Marketplace insurance

Don't delay: Get your free flu shot this fall

Did you know the Centers for Disease Control and Prevention (CDC) recommends everyone 6 months and older get an annual flu shot by the end of October? If you have Marketplace health insurance, your flu shot is free from a provider in your plan's network. Here are 3 more reasons you should get the flu shot:

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3 reasons to get the flu shot

  • It helps keep your family and friends healthy: In addition to keeping you healthy, getting vaccinated yourself helps protect people around you, especially those who are more prone to getting sick, like babies, children, and older people.
  • It's a small step to better health and well-being: By protecting yourself from the flu, you may have fewer doctor's visits and miss less work or school.
  • Nobody likes being sick: The flu shot can help protect against unpleasant side effects of the flu, including fever, chills, and fatigue.

Get more information on the 2018 flu season from the CDC.

Don’t miss out on 2018 Marketplace Open Enrollment updates

Open Enrollment for 2018 Marketplace health insurance starts November 1! It’s shorter this year and ends December 15. Connect with us now, so you don’t miss out on deadline reminders and updates.

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3 ways to stay up-to-date about the Marketplace

  • Sign up for email or text updates and reminders: Visit the homepage, enter your email address under “Get important news & updates,” and click “Sign up.”

  • Connect with someone in your area to answer any questions you have: Visit our Find Local Help page and search by city and state or ZIP code to find trained helpers in your community.

  • Interact with us on social media: Follow us on Twitter, and like us on Facebook.

Get more information on 2018 Open Enrollment

5 easy ways to improve your health with Marketplace coverage

Health coverage is important whether you're sick or healthy. Here are 5 ways your health insurance can help you maximize your health and well-being:

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  • Take advantage of free preventive services: You may be able to get an annual visit or recommended preventive services for free, like the flu shot and depression screening.

  • Keep all your health information in one place: Use our "Coverage to Care: Roadmap to Better Care and a Healthier You (PDF)" to keep track of your coverage information, your providers, and your health. Use the checklist in the back to track your results.

  • Understand your insurance membership package: You probably got a membership package with information about your coverage and an insurance card. Read your materials carefully. You may need them when you see a provider or when you call your insurance company with questions. Never let anyone else use your insurance card.

  • Use an in-network provider: Not all types of providers and facilities take all insurance plans or types of coverage, and most of the time, you’ll pay less to see a provider in your network. Call the office before you go to make sure they see patients with your coverage. If you’re in an emergency or life-threatening situation, call 9-1-1.

  • Maintain a healthy lifestyle at home, at work, and in the community: Health insurance is important, but there's no substitute for a healthy lifestyle. Make time for physical activity, healthy eating, relaxation, and sleep.

Get more information on improving your health.

Do I qualify for Medicaid?

Medicaid provides free or low-cost health coverage to some low-income people, families and children, pregnant women, the elderly, and people with disabilities. Many states have expanded their Medicaid programs to cover all people below certain income levels. Medicaid qualifications depend partly on whether your state has expanded its program.

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Who can get Medicaid?

  • No matter your state, you may qualify for Medicaid based on your income, household size, disability, family status, and other factors. But if your state has expanded Medicaid coverage, you can qualify based on your income alone.
  • Enter your household size and state. We'll tell you who is eligible for Medicaid, if your state expanded and if you qualify for Medicaid based only on your income.
  • If you think you have Medicaid eligibility, you can create an account and fill out a Marketplace application. If it looks like anyone in your household qualifies for Medicaid or CHIP, we'll send your information to your state agency. They'll contact you about enrollment. You can apply any time of year.
  • If you don't qualify for Medicaid, we'll tell you if you qualify for financial help to buy a Marketplace health plan instead. (But unless you qualify to enroll with a Special Enrollment Period, you'll have to wait until the next Open Enrollment Period.)

What if I’m turned down by Medicaid?

  • You may be able to buy a private health plan through the Marketplace instead for the 2018 plan year in the fall. You may qualify for savings based on your income through a premium tax credit and savings on out-of-pocket costs.
  • If you don't qualify for either Marketplace or Medicaid savings, you still have options. Learn more here.

How to tell if your health insurance has started

Once you enroll in a Marketplace plan, you must pay your first premium to your health insurance company – not the Health Insurance Marketplace – so your medical coverage can begin. If you’ve already paid your premium, you can check if your health insurance is active online or in your plan materials to make sure your health insurance has started:

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IMPORTANT Continue to pay your monthly premiums

Make sure you continue to pay your monthly premiums to your health insurance company on time. They could end your coverage if you fall behind.

Verify your enrollment online

  1. Log in to your account.
  2. Click on your name in the top right and select "My applications & coverage" from the dropdown.
  3. Select your completed application under “Your existing applications.”
  4. Here you’ll see a summary of your coverage. Your coverage start date depends on when you enrolled or changed plans.
  5. If you don’t see your summary or still aren’t sure you’ve finished enrollment, call your insurance company. They can confirm if you have enrolled and paid your first premium.

Check your health insurance enrollment materials

  • Your plan will send you a membership package with enrollment materials and a health insurance card as proof of your insurance.
  • Carefully review these, and look through your plan’s provider directory to see where you can get care.
  • You’ll use the card when you get health care services, so keep it in a safe place.
  • If you didn’t receive a card, call your insurer to see if you should have received one already and to make sure your coverage is effective. You can find your insurer’s phone number on their website.

Want to change your health insurance plan? If you’d like to change your plan, you can do so now only if you experience a qualifying life event — like losing other coverage, having a baby, or getting married — and apply with a Special Enrollment Period.

What documents to submit to confirm your Special Enrollment Period

If you applied for Marketplace coverage through a Special Enrollment Period, you may need to submit documents to confirm you qualify. After you pick a plan, you have 30 days to send the documents.

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Find your life event on the list below to see what kinds of documents you can submit:

What documents can I submit?

  • If you moved: Documents must include your name and the date you moved. Examples include: bills, mortgage or rental documents, or a letter from an insurance company. In most cases, you also need to prove you had qualifying coverage for at least one of the 60 days before you moved. See the full list.
  • If you lost other health coverage: Documents must include your name and the date of your coverage loss. Examples include: a letter from your insurance company or employer, a health care program document, or pay stubs. See the full list.
  • If you adopted a child or gained a dependent through a foster care placement or court order: Documents must include the name of the person who became a dependent and effective date. Examples include: an adoption letter or record, foster care papers, or a document for legal guardianship. See the full list.
  • If you got married: Documents must include the names of the married couple and the date of the marriage. Examples include: a marriage certificate, marriage license, or marriage affidavit. See the full list.
  • If you were denied Medicaid or CHIP: Documents must include your name and the date you were denied coverage. Examples include: a denial letter from your state agency, a letter from the Marketplace, or a screenshot of your eligibility results. See the full list.

Ready to submit?

Don't worry: Marketplace insurance covers pre-existing conditions

Did you know that no insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for a pre-existing condition?

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What's a pre-existing condition?

  • A pre-existing condition is a health problem you had before the date that your new health coverage starts.
  • Epilepsy, cancer, diabetes, lupus, sleep apnea, and pregnancy are all examples of pre-existing conditions.

Is my health coverage affected by my pre-existing condition?

  • No. Treatment for any pre-existing medical condition is covered from the day your coverage began.
  • Once you’re enrolled, your plan can’t deny you coverage or raise your rates based only on your health.
  • Marketplace plans can't put annual or lifetime limits on your coverage.

What if I'm pregnant?

  • If you were pregnant before you applied, your insurance plan can't reject you or charge you more because of your pregnancy.
  • Once you're enrolled, your pregnancy and childbirth are covered from the day your plan starts.

Learn more about pre-existing condition coverage.


News – Insurance Journal

RSA Canada Taps Cohen from Aviva Canada as SVP, Chief Underwriting Officer
Toronto-based RSA Canada has appointed Steve Cohen to the newly created role of senior vice president and chief underwriting officer. The SVP and chief underwriting officer role was created to build upon the progress the company has made “in advancing …

POSTED OCTOBER 20, 2017 7:44 AM
Neon Launches Marine Joint Venture in Italy
Neon announced the launch of an underwriting operation in Italy with Cambiaso Risso, a leading Italian marine broker who will have a minority shareholding in the venture. Based in Genoa, Neon Italy will initially target hull and cargo business placed …

POSTED OCTOBER 20, 2017 7:18 AM
Swiss Re Estimates $3.6B in Claims from U.S. Hurricanes & Mexican Quakes
Swiss Re, the world’s second-largest reinsurer, estimated its claims burden from hurricanes Harvey, Irma and Maria in the United States and from two earthquakes in Mexico at roughly $3.6 billion in the third quarter. For the industry overall, Zurich-based Swiss …

POSTED OCTOBER 20, 2017 6:37 AM
Extreme Rainfall Could Cost South Asian Cities Up to $215B Annually by 2030
As global attention focused on hurricanes Harvey and Irma, more than 41 million people across South Asia battled floods and displacement. From Afghanistan in the west to Bangladesh in the east, floods could cost South Asia — home to a …

POSTED OCTOBER 20, 2017 6:24 AM
Fighting Drivers of Commercial Auto Frequency, Severity With Technology
Litigation financing, distracted driving and unexpected verdicts are just some of the factors impacting commercial auto frequency and severity, according to panelists speaking at the 2017 Risk Management Summit this week in Las Vegas. There has been a focus on …

POSTED OCTOBER 20, 2017 5:00 AM
U.S. Consumer Bureau Offers Rules for Financial Data Collection
The U.S. Consumer Financial Protection Bureau is turning its attention to companies that collect consumer financial information to provide services and products. The regulator laid out a series of principles on Wednesday to establish its expectations for accessing consumer’s financial …

POSTED OCTOBER 20, 2017 5:00 AM
Congress Questions Youth Football League on Safety
After hearing from brain trauma researchers who said playing football at a young age is unsafe even for kids who don’t suffer obvious injuries, members of Congress this week asked the nation’s governing body for the sport’s amateurs to detail …

POSTED OCTOBER 20, 2017 5:00 AM
GM to Pay States $120 Million to Settle Ignition Switch Claims
General Motors Co. has agreed to pay $120 million to resolve claims from 49 U.S. states and the District of Columbia over faulty ignition switches, state attorneys general and the company said on Thursday. The largest U.S. automaker had previously …

POSTED OCTOBER 20, 2017 5:00 AM
Nashville Keeps Winning FEMA Flood Appeals
While Federal Emergency Management Agency denials and reversals have roiled some communities following natural disasters, officials in Tennessee’s capital have been unusually successful at winning their appeals. An analysis by The Associated Press found that over the past decade, FEMA …

POSTED OCTOBER 20, 2017 4:57 AM
Northern California Wildfires: Insurance Industry Ready to Assist With ‘Massive’ Recovery
Rebuilding the Northern California areas devastated by wildfire will be a long-term effort, and insurers say they will be there to help their affected policyholders get back on their feet. Tens of thousands of evacuees began making their way home …

POSTED OCTOBER 20, 2017 4:38 AM

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