Frequently Asked Questions

Home » FAQ

Individual

When Is Open Enrollment?
Open enrollment is from November 1 through December 15 th . During this time you may sign up for coverage or change
plans. It is imperative that you make sure that your income on record is correct to assure the proper tax credit is applied to
your plan choice.
Can I still get insurance if Open Enrollment is over?
Since the 2019 Open Enrollment Period is over, you can now enroll in or change a Health Insurance Marketplace plan only if
you have a life event that qualifies you for a Special Enrollment Period.
What qualifies me for a Special Enrollment Period?
Since the 2019 Open Enrollment Period is over, you can now enroll in or change a Health Insurance Marketplace plan only if
you have a life event that qualifies you for a Special Enrollment Period.

Changes in household

You may qualify for a Special Enrollment
Period if you or anyone in your household in
the past 60 days:

  • Got married.
  • Had a baby, adopted a child, or placed a
    child for foster care.
  • Got divorced or legally separated and
    lost health insurance. Note: Divorce or
    legal separation without losing coverage
    doesn’t qualify you for a Special Enrollment
    Period.
  • Died.

Changes in residence

  • Moving to a new home in a new ZIP code or
    county
  • Moving to the U.S. from a foreign country or
    United States territory
  • If you’re a student, moving to or from the
    place you attend school
  • If you’re a seasonal worker, moving to or
    from the place you both live and work
  • Moving to or from a shelter or other
    transitional housing
    Important: You must prove you had
    qualifying health coverage for one or more
    days during the 60 days before your move.
    You don’t need to provide proof if you’re
    moving from a foreign country or United
    States territory.

Loss of health insurance

You may qualify for a Special Enrollment Period if you or anyone in your household lost qualifying health coverage in the past
60 days OR expects to lose coverage in the next 60 days. Coverage losses that may qualify you for a Special Enrollment Period:

  • Losing job-based coverage
  • Losing individual health coverage for
    a plan or policy you bought yourself
  • Losing eligibility for Medicaid or
    CHIP
  • Losing eligibility for Medicare
  • Losing coverage through a family
    member

If any of these situations applies to you and your family, please contact Don immediately.

Medicare

When’s the Medicare Open Enrollment Period?

Every year, Medicare’s open enrollment
period is October 15 – December 7.

What’s the Medicare Open Enrollment Period?

Medicare health and drug plans can make
changes each year—things like cost,
coverage, and what providers and
pharmacies are in their networks. October
15 to December 7 is when all people with
Medicare can change their Medicare health
plans and prescription drug coverage for the
following year to better meet their needs.

How do people know if they need to change plans?

People in a Medicare health or prescription
drug plan should always review the
materials their plans send them, like the
“Evidence of Coverage” (EOC) and “Annual
Notice of Change” (ANOC). If their plans are
changing, they should make sure their plans
will still meet their needs for the following
year. If they’re satisfied that their current
plans will meet their needs for next year and
it’s still being offered, they don’t need to do
anything.

When can people get information about next year’s Medicare plans?

Information for next year’s plans will be
available beginning in October.

Special circumstances (Special Enrollment Periods)
You can make changes to your Medicare Advantage and Medicare prescription drug coverage when certain events happen in your life, like if you move or you lose other insurance coverage. These chances to
make changes are called Special Enrollment Periods (SEPs). Rules about when you can make changes and the type of changes you can make are different for each SEP.

  • You change where you live
  • You lose your current
    coverage
  • You have a chance to get other
    coverage
  • Your plan changes its contract
    with Medicare

If any of these instances effect you and your coverage, please call Don immediately.

DB Insurance is certified to offer FREE expert health insurance advice in the states of Idaho, Oregon and Washington. We walk you through the entire process, making sure that you get the best coverage for you and your family.

DB Insurance

Serving the Treasure Valley and Southern Idaho, including Boise, Eagle, Meridian, Kuna, Nampa, Caldwell, Star, and Middleton for over 20 years. At Don Brown Insurance we make the process of finding the right plan for you and your family less complicated. Contact Don today for a free consultation.

Follow