We are now into the second phase of Open Enrollment and I feel it is necessary to pass along some important announcements to our clients in the Individual and Family market.
For all our our clients that have policies through Covered California and receiving premium assistance, Covered California has completed the first phase of renewals for 2018. Therefore, if you have not had time to be active with your renewal, Covered California has automatically renewed your policy based on what was on their file with your reported income for the 2017 year. If there are any changes that you need to report going into 2018, then please call our office so that we can report the change for 2018.
For all of our clients that have Kaiser Policies direct with Kaiser, Blue Shield Policies direct with Blue Shield, Anthem Blue Cross in Santa Clara County only and Health Net Policies direct with Health Net...your policies have also automatically renewed for 2018.
IMPORTANT: Anthem Blue Cross Policy Holders outside of Santa Clara, Sacramento and Modesto Counties. Your insurance with Anthem Blue Cross is ending 12/31/17. If you have your policy through Covered California, then Covered California has already changed your policy to the next closes insurance company in your County that mirrors your current policy.
If you do not have a Anthem Blue Cross policy through Covered California and receiving subsidy assistance, then your Insurance ends completely on December 31st, 2017. We realize that this time of the year becomes fast paced for everyone; however, I urge you to call our office so that we can find a different carrier that is available as a choice in your County.
December 15th is the Deadline to file for any Health Insurance effective January 1st, 2018
If you miss this deadline, then the next time to apply for coverage to be effective February 1st, 2018 runs December 16th through January 15th, 2018.
If you miss this deadline, then the final deadline is January 31st to apply for any coverage to be effective March 1st, 2018.
This next statement must be said....going into 2018 Health Care has undoubtedly presented the most challenges in decision making for your Health Insurance. I truly understand the challenges of making a choice for your personal coverage based on options to providers and affordability. I am committed to each of my clients to help you with a "Needs Analysis" to help you better understand your best options for Medical coverage. We are busy....but your business and continued business is important to me and is truly valued.
Thank you for the Continued Opportunity to be your Insurance Agent through the years.
Warm Wishes to all you for the upcoming Holiday Season