Life doesn’t always stay the same, especially in this ever-changing world. When you experience a planned or unexpected life change, it’s good to know that you have the opportunity to change your health plan with a qualifying life event (QLE). A QLE allows a 60-day special enrollment period any time of the year to change your health insurance plan outside of the open enrollment date. Without a QLE, you would usually need to wait for the open enrollment date at the end of the year. If your life change qualifies for the Special Enrollment Period you can make the changes that are necessary to ensure your insurance plan matches your current requirements.
The Special Enrollment Period (SEP) starts once your QLE occurs at the beginning of the start date. During this time, you and your family have the option to choose a new health plan or make changes to your existing one. You have the opportunity to add a family member or remove them from your health insurance plan. For certain qualifying life events you’ll need documentation like birth certificates, adoption papers, marriage licenses, divorce papers, and other important documents may be required.
Types of Life Changes
- Birth of a child/adoption
- Income Change
- Loss of Health Insurance
- Death in the Family
- Job Change
- Becoming Eligible for Medicare
- When your child is no longer a dependent
- Location change
Depending on what you are currently going through, changing your health insurance is probably the last thing on your mind. That’s why it’s better to call Alex Rue! The Rue Crew is here for you to make the insurance process easy and ease the worry. During the short Special Enrollment Period, you have options, and we will ensure all your questions and concerns are taken care of quickly and efficiently. We will guide you through the insurance changes and find the best rates and deals, so you have more time to focus on other important matters.
If you are experiencing a life change, and need assistance and advice with your health insurance plan, contact the Alex Rue Crew today!