Enrollment Process  Explained

Important things to know about applying for ACA coverage

Any last-minute questions should be answered here. If you feel like you are ready to enroll, click the Get a Quote tab at the top. If you would like help with the enrollment process to save you time and ensure your application gets submitted correctly, contact us and be done in 10 minutes.

Enrollment Timeline

 

 

 

Can I enroll in coverage now?

HMOs are cheaper but offer no coverage whatsoever for providers that are out-of-network.

PPOs offer greatly enhanced benefits for in-network providers but some coverage is offered for out-of-network as well.

 

 

 

 

Yes! Plans can be enrolled in or changed for 2022 at this time because it is Open Enrollment.

 

 

What is Open Enrollment?

 

It depends on your situation. PPOs offer more flexibility and can prevent you from having to change doctors, however the cost savings of an HMO can make them a better option for many.

 

Open Enrollment is the 75-day window where coverage for the following year is selected.

Whether it is adding new coverage for the first time or changing your current coverage, now is the time to do it.

 

 

 

When is Open Enrollment?

Each carrier has a unique list of in-network providers and drug formularies.

If you have a provider or drug you need, it is very important to double check before enrolling.

The easiest thing you can do is speak to an agent.

 

 

Open Enrollment is from November 1st through January 15th.

It may feel like you have lots of time but it's important to act now!

 

 

 

What happens if I miss Open Enrollment?

While some agencies may charge a consultation fee, all advice and help that is offered at Elevate Insurance Solutions is completely free of charge.

This year is more confusing than ever so having a licensed professional on your side is essential.

 

Whatever the state of your coverage is on January 15th is locked in for the year.

Whether you have no coverage or are enrolled in a specific plan, that is how things will stay unless you have a Qualifying Life Event.

Want Help with Getting a Quote?

 

 

 

What are the benefits of enrolling through an agent?

HMOs are cheaper but offer no coverage whatsoever for providers that are out-of-network.

PPOs offer greatly enhanced benefits for in-network providers but some coverage is offered for out-of-network as well.

Depending on your situation, the application process can be complex and mistakes can be expensive.

Even if the application is submitted successfully, there can be issues throughout the year that arise.

Having someone looking out for your interests, especially for free, can be invaluable.

 

 

How much does it cost to enroll in Marketplace coverage through an agent?

 

It depends on your situation. PPOs offer more flexibility and can prevent you from having to change doctors, however the cost savings of an HMO can make them a better option for many.

 

 

There are no fees whatsoever to get help and guidance from Elevate Insurance Solutions.

In fact, between helping with claims and avoiding application errors, most people will be happy they enrolled with an agent for both peace of mind and financial reasons.

 

 

 

What are the negatives of enrolling with the help of an agent?

Each carrier has a unique list of in-network providers and drug formularies.

If you have a provider or drug you need, it is very important to double check before enrolling.

The easiest thing you can do is speak to an agent.

There are no disadvantages.

 

You maintain full control of the process, but just have an expert drawing upon years of industry knowledge to answer questions and look out for your best interests.

You can still seek assistance from another agent at any time and maintain the ability to make changes independently.

 

 

 

What is the difference between an insurance agent and navigator?

While some agencies may charge a consultation fee, all advice and help that is offered at Elevate Insurance Solutions is completely free of charge.

This year is more confusing than ever so having a licensed professional on your side is essential.

Navigators must complete an initial training program and can help people enroll in coverage, but legally cannot offer advice.

Insurance agents must complete training and continuing education that allows them to offer guidance and explanations to consumers, usually for free.

Elevate Insurance Solutions is built and run by an agent.

Applying by Yourself

 

 

 

Is it hard to apply for ACA coverage by myself?

HMOs are cheaper but offer no coverage whatsoever for providers that are out-of-network.

PPOs offer greatly enhanced benefits for in-network providers but some coverage is offered for out-of-network as well.

Getting a quote or applying for coverage isn't particularly challenging or time consuming, especially here, but it is possible to get confused.

If you start your application and need guidance, feel free to reach out to award-winning, licensed agents.

 

 

How long does it take to apply for Marketplace coverage?

 

It depends on your situation. PPOs offer more flexibility and can prevent you from having to change doctors, however the cost savings of an HMO can make them a better option for many.

- Completing the form here requesting a quote takes about 45 seconds.

- Getting a quote yourself here takes about 2 minutes, then about 8 more minutes to apply and enroll.

- Calling us means you can apply for coverage in about 5 minutes.

 

 

 

What is the quickest way to enroll in Marketplace coverage?

Each carrier has a unique list of in-network providers and drug formularies.

If you have a provider or drug you need, it is very important to double check before enrolling.

The easiest thing you can do is speak to an agent.

The simplest way to get a quote and apply independently is using the tool here.

 

The true fastest way to go through this process is to get help from a licensed professional.

 

 

 

Are there penalties for cancelling an ACA plan in the middle of the year?

While some agencies may charge a consultation fee, all advice and help that is offered at Elevate Insurance Solutions is completely free of charge.

This year is more confusing than ever so having a licensed professional on your side is essential.

 

 

There are no fees for cancelling your plan in the middle of the year. 

You will not be able to re-enroll in new coverage until the following Open Enrollment if you cancel your plan.

 

 

 

What info will I need in front of me to apply for Marketplace coverage? 

HMOs are cheaper but offer no coverage whatsoever for providers that are out-of-network.

PPOs offer greatly enhanced benefits for in-network providers but some coverage is offered for out-of-network as well.

- Name/Contact information

- Date of birth of all applicants

- County of residence

- Zip code

- Expected household income

 

I don't know exactly what my income for 2022 will be, but I want to apply. What should I do?

 

It depends on your situation. PPOs offer more flexibility and can prevent you from having to change doctors, however the cost savings of an HMO can make them a better option for many.

It is important to give the most accurate guess you can.

Life happens and things can change throughout the year. If it seems like your guess will be wrong, it is important to update it.

Updating your application can be difficult and it is recommended to get help.

 

 

 

Can I make changes to my application throughout the year if things change?

Each carrier has a unique list of in-network providers and drug formularies.

If you have a provider or drug you need, it is very important to double check before enrolling.

The easiest thing you can do is speak to an agent.

Yes! If anything changes that you completed on your application, it is important to reach out to your agent to get your application updated.

Changes in address, contact information, household size or income are all imperative to update.

 

 

 

Who is included within a tax household?

While some agencies may charge a consultation fee, all advice and help that is offered at Elevate Insurance Solutions is completely free of charge.

This year is more confusing than ever so having a licensed professional on your side is essential.

Tax household members are defined as those who will be listed on your taxes, regardless of address.

A relative living with you who files their own taxes wouldn't be a part of your tax household, but a child who is away at college you will claim as a dependent is.

Renewing Coverage

 

If I already have Marketplace coverage for 2021, am I automatically enrolled in coverage for 2022?

HMOs are cheaper but offer no coverage whatsoever for providers that are out-of-network.

PPOs offer greatly enhanced benefits for in-network providers but some coverage is offered for out-of-network as well.

Yes and no. In most years you will get what's called a passive renewal that lets you maintain similar coverage, typically with a similar cost, from year-to-year.

This year in many eastern NC counties, rates have skyrocketed and gone up $100 or more per month. It is VERY important to actively choose a plan that fits your budget for 2022.

 

 

How do I renew Marketplace coverage?

 

It depends on your situation. PPOs offer more flexibility and can prevent you from having to change doctors, however the cost savings of an HMO can make them a better option for many.

Unfortunately with new carries coming into NC, subsidies have changed drastically. Even if you got a letter stating a monthly price, it is likely not correct.

The easiest way to find out what the plan you are enrolled in as of now and make changes if needed is to reach out to us. 10 minutes could save you $1000s in premium costs.

 

Will the cost of my Marketplace plan for 2022 be the same as 2021?

Each carrier has a unique list of in-network providers and drug formularies.

If you have a provider or drug you need, it is very important to double check before enrolling.

The easiest thing you can do is speak to an agent.

 

 

Typically plans are very similar from year-to-year, however this year is an exception.

Many counties will see huge increases and those enrolled will need to switch plans to maintain affordable coverage.

 

 

 

Will the coverage of my Marketplace plan for 2022 be the same as in 2021?

While some agencies may charge a consultation fee, all advice and help that is offered at Elevate Insurance Solutions is completely free of charge.

This year is more confusing than ever so having a licensed professional on your side is essential.

 

Yes! If you don't make any changes, you will likely have similar coverage in 2022 that you had in 2021...

The problem is that it will likely be at a VERY different price.

This year more than ever it's important to review your options.