2019 Medicare and Health Care Planning Guide

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MEDICARE 2019:

MEDICARE’s Annual Enrollment Period begins on October 15, 2018 and ends December 7, 2018. It is during this time that all individuals Aged 65+ should evaluate and review their health care needs for the upcoming new year. If already enrolled, you will receive a letter from your current carrier that will include an Annual Notice of Change (ANOC), which will give you a side by side comparison of what the plan you are on in 2018 will do in 2019. You will want to consider cost, doctor networks, co-pays, deductibles, Maximum out of Pocket amounts and your Prescription Drug tiers. If you simply pay the January 2019 updated premium, you will automatically be renewed with the plan updates.

Our office is available to discuss plan changes, updates and options available to you in 2019. If you are happy with your plan and do not anticipate any changes, simply pay your updated premium for January 2019.  If your needs have changed and you wish to re-look at your options, please contact us as soon as possible so we can help you evaluate for 2019. Please be prepared with your list of providers and any RX’s you are taking (include the exact spelling of the RX, the dosage level and frequency taken). Our Benefits team is certified in 2019 with Regence, Providence, Health Net, United Healthcare/AARP, Pacific Source, MODA and ATRIO Health Plans and are happy to review your options with you. Any changes you wish to make will need to be done by December 7, to be effective January 1, 2019.

INDIVIDUAL & FAMILY HEALTH PLANS 2019:

OPEN ENROLLMENT into the Individual/Family Plans for 2019 will start November 1, 2018.  Open Enrollment will end on DECEMBER 15, 2018. If currently enrolled, your carrier will be sending you a letter on what your plan is doing for 2019. If you would like additional information on your plan choices for 2019, please contact us and we can discuss your options. If interested in a quote, please be prepared to provide your address, income information, and any details specific to your situation.

PLEASE NOTE THE FOLLOWING:   Average rate changes: Pacific Source (-9.6% decrease) Providence (+9.5% increase) Regence (0% change) Kaiser (+9.4% increase) Moda (+6.3% increase) Bridgespan (+4.5% increase)

  • IF YOU DO NOTHING – Your carrier will renew your plan automatically and will initiate payment if you have not stopped it. The plan you have for 2019 will be the plan that they have MAPPED you to and you will be charged that premium for January 2019.
  • IF YOU WANT TO CHANGE PLANS or CARRIERS – Please contact us as soon as possible to review your options.
  • IF YOU ARE ON THE EXCHANGE WITH TAX CREDITS and/or COST SHARING – You MUST update your “Estimated Adjusted Gross Income” (AGI) for 2019 and review and secure your plan option. Please contact us for assistance.
  • IF YOU WANT TO CANCEL your plan because you no longer need coverage, you MUST contact the carrier to terminate.

If you are interested in receiving a quote or hearing available plan options for 2019, please contact our Benefits Specialist, Jamie L. Smith, at 971-233-8559 or jsmith@premiernw.net OR click on the following link:

Get A Quote

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Are you ready for Open Enrollment?

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It’s that time of year again! If you haven’t started thinking about your health insurance…now is the time. Open Enrollment is fast approaching.

If you are interested in receiving a quote for Benefits for yourself or your business, please contact our agency or click on the following links:

Individual Quote: http://premiernw.net/request-a-quote/individual-health-quote/

Group Quote: http://premiernw.net/request-a-quote/group-health/print-group-health-form/

“The Open Enrollment period for 2015 coverage is November 15, 2014 to February 15, 2015.

If you haven’t enrolled in coverage by then, you generally can’t buy Marketplace health coverage for 2015 until the next Open Enrollment period for coverage the following year.

If you’re enrolled in a 2014 Marketplace plan, your benefit year ends December 31, 2014. To continue health coverage in 2015, you can renew your current health plan or choose a new health plan through the Marketplace during the 2015 Open Enrollment period.

If you don’t have health coverage during 2015, you may have to pay a fee. The fee in 2015 is higher than it was in 2014 — 2% of your income or $325 per adult/$162.50 per child, whichever is more.

Enrollment and Coverage Start Dates

During Open Enrollment, if you enroll:

•Between the 1st and 15th days of the month, your coverage starts the first day of the next month.
•Between the 16th and the last day of the month, your coverage starts the first day of the second following month. So if you enroll on January 16, your coverage starts on March 1.

You may buy Marketplace insurance outside Open Enrollment only if you qualify for a Special Enrollment Period due to a qualifying life event such as marriage, birth or adoption of a child, or loss of other health coverage. Learn more about how you qualify for a Special Enrollment Period.

You can enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time. There is no limited enrollment period for these programs. You can apply any time. If you’re qualified, you can enroll immediately.

If you own or operate a small business, you can start offering coverage to your employees at any time.”

Source: HealthCare.gov https://www.healthcare.gov/marketplace-deadlines/2015/