Alan Galvez Insurance
Are you confused and overwhelmed by Obamacare and health care reform?
Quit worrying- and let us help. The specialists at Alan Galvez Insurance have the experience and training to help you understand your options, choose a plan that works for you (and your family) and easily walk you through the enrollment process. Best of all, we'll be there for you after coverage begins We're your trusted and local resource for Bellefontaine, Ohio, Logan County, Ohio and the state of Ohio for health insurance. So, let's talk.
You can call us at (937) 592-4871 to speak to one of our health insurance specialists or fill out our quote form, and we'll be in touch shortly.
Other Important Info You Need to Know
When is 2015 Open Enrollment?
Yes. Open enrollment for 2015 is November 15, 2014- February 25, 2015. It is a guaranteed time of year where you can apply for and get health insurance. You can also make a change to your current plan.
If I miss Open Enrollment, what options do I have for health insurance?
1. Short-term health insurance (6 months max with option to re-apply for one additional 6 month time period).
2. Wait until the next open enrollment period. Coverage would begin based on the date the application is submitted.
3. Coverage via a special enrollment situation. See examples below........
Examples of Special Enrollment Situations
• Losing other health coverage (for example due to a job loss, divorce, loss of eligibility for Medicaid or CHIP, expiration of COBRA coverage, or a health plan being decertified). Note: Voluntarily quitting other health coverage or being terminated for not paying your premiums are not considered loss of coverage. Losing coverage that is not minimum essential coverage is also not considered loss of coverage.
• Change in marital status
• Change in dependent status (adoption, birth, etc.)
• Permanently moving to a new area that offers different health plan options
• For people already enrolled in Marketplace coverage, having a change in income or household status that affects eligibility for tax credits or cost-sharing reductions
Most special enrollment periods last 60 days from the date of the qualifying life event. Job-based plans generally allow special enrollment periods of 30 days.
Don't go it alone during this confusing time. We'll help you get what you need, with the least amount of confusion and anxiety possible. Contact us or request your Ohio health insurance quote now.
Some Questions & Answers about Healthcare Reform
What is Healthcare Reform?
It is federal legislation passed in 2010 that requires all individuals to have health insurance. If you don't, you will have to pay a penalty.
The law took effect January 1, 2014. The penalty starts out small for 2014 and increases in subsequent years based on family size and income.
What is the health insurance marketplace (exchange)?
The marketplace is nothing more than a set of government-regulated and standardized health insurance plans. Each state will have its own, either operated solely by the state, solely by the feds, or as a partnership between the two. Ohio has decided to allow the federal government to run the exchange in its state.
Is it true that if I qualify, I could get financial help for paying my premium or reducing my out-of-pocket costs in the marketplace?
Yes. The SOLE purpose of the marketplace is to offer a way for people to get “financial aid” for their health insurance.You can get a rough estimate of the amount of financial aid you would qualify for by visiting the Henry J. Kaiser Family Foundation subsidy calculator at http://kff.org/interactive/subsidy-calculator/.