CATTLE RAISERS COMMUNITY
TSCRA NEWS
Open Enrollment Navigation Aid T
HE AFFORDABLE HEALTH CARE ACT ALLOWS U.S. CITIZENS to change health care coverage from Nov. 15, 2014, until Feb. 15, 2015, if you have not experienced a
“qualifying event.” Cattle Raisers Insurance developed this decision chart to help you navigate the common questions about open enrollment.
1.
satisfied with your current health care plan?
Are you YES NO YES 2.
experienced one of these events in the
Have you NO last 30 days? From Nov. 15, 2014, until Feb. 15, 2015, you may
contact Cattle Raisers Insurance to discuss alternative plans and pricing options.
This is the window for open enrollment, a time defined by the Affordable Care Act, during which U.S. citizens who have not experienced a qualifying event may change their health care plan.
This is a list of life events listed in the Affordable Care Act that are called qualifying events. If you have experi- enced any of these events, then you are allowed a 30-day window after the event to change your health care plan any time of the year.
Qualifying Events •
• •
•
• • • • •
• •
I gained a dependent due to marriage I gained a dependent due to birth, adoption, or placement for adoption
I am no longer eligible as a dependent under my prior health insurance due to reaching the maximum age, legal separation, divorce or death of policyholder
I am no longer eligible for my prior health insurance plan due to termination of employment, reduction in number of hours of employment, loss of employer contribution toward my premiums, or I have exhausted my COBRA benefits
I gained access to new health plan options because of a permanent move I am newly ineligible for payments of the advance premium tax credit
I am no longer residing or living in my prior health insurance plan’s HMO service area An error occurred in my previous health plan enrollment
I have adequately demonstrated that my previous health plan or issuer substantially violated a material provision of its contract with me
I and/or my dependent(s) lost minimum essential coverage (due to reasons other than non-payment of premium or rescission)
Other qualifying event (as required or permitted by applicable laws) 16 The Cattleman October 2014
thecattlemanmagazine.com
If you are happy with your current health care insurance coverage and don’t want to change it, that’s great!
Your next opportunity to reconsider your plan will be Nov. 15, 2015.
Cattle Raisers Insurance staff members are ready to answer any questions you may have now, or in the future.
Cattle Raisers Insurance to discuss alternative plans and pricing options.
Contact
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