Under the new universal health care laws in the United States, individuals and families may only purchase health insurance (or change their existing coverage plans) during a specific period of time known as Open Enrollment. But what happens when you experience a major life change after the open enrollment period closes? This is what's referred to as Special Enrollment.
IL Special Enrollment Qualifications
While there are many unique circumstances which will allow a person or family the ability to buy health insurance after open enrollment ends, some of the most common include:
- Getting married and adding a spouse to your policy
- Moving to a new state or region where premiums may change
- Having a baby or adopting a child
- Taking a new job or experiencing a change of income status
- Changes to your immigration status or citizenship
Avoiding Complications During Special Enrollment
Signing up for health insurance after open-enrollment is something that needs to be handled very delicately, as it's unlike anything we've seen or experienced in the past. One mistake, either on your part or the part of the person who happened to answer your call, could end up costing you in both time and benefits.
The safest way to make sure that you end up in a plan that genuinely meets your needs, while eliminating the possibility of overpaying or losing the option of keeping your family physician, is to work with a local insurance agent who knows the fine points of special enrollment.
Expert Assistance from Licensed IL Agents
Whether you're in the Chicago area or located in another part of Illinois, we invite you to call Premier for personalized assistance with your special enrollment. If you need professional assitance from agent with your Special Enrollment application, we can ensure that the process has been completed perfectly from start to finish.
To learn more about buying health insurance after Open Enrollment, contact Premier Financial Insurance in Lisle at 800-369-0287.