CATTLE RAISERS COMMUNITY
TSCRA NEWS
Common Questions About Open Enrollment By Michele Woodham
B
Y NOW, YOU HAVE PROBABLY HEARD A CONFUSING ARRAY OF TELEVISION AND radio advertising about open enrollment for individual medical
insurance. This round of open enrollment began Nov. 1 and ends on Jan. 31, 2016. The Cattle Raisers Insurance team is here to guide you through the
process and answer your questions. I urge you to call us as soon as possible. When open enrollment ends on Jan. 31, 2016, individuals will not have the opportunity to change their plan (unless they experience a qualifying event) until late in 2017. Maybe the answers to these commonly asked questions would help
you in your decision-making process. 1. What is open enrollment and how does it affect my family and me? Open enrollment is the time of year for review of your individual
medical policy and premiums to see if you are satisfi ed with how the plan meets your individual needs. This is the one time of year you can make a change to your current medical policy, unless you have a qualifying event occur in your life. 2. Can you lower my premiums? The Cattle Raisers Insurance Team is here to consult with you on
your current medical plan, quote new plan offerings, advise you on the medical policy that would best suit your needs and consult with you on premiums that may be able to save you dollars. 3. What do I have to do to get a new medical insurance plan? If you choose a new medical insurance plan, you will need to com-
plete a new application and return it to your Cattle Raisers Insurance team for processing. We will service your policy through our offi ce. Veronica Gomez, Samantha Ristau and I, the Cattle Raisers Insur-
ance team, are thankful for our clients who continue to allow us to service their insurance needs, and we always welcome new clients. If you have not seen our Cattle Raisers Insurance Family Album
project, please log on to
www.cattleraisersinsurance.com and select the Family Album icon at the bottom of the page. Share your favorite family photos with your Cattle Raisers family.
28 The Cattleman December 2015
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 poli- cyholder
• I am no longer eligible for my prior health insurance plan due to termi- nation of employment, reduction in number of hours of employment, loss of employer contribution toward my premiums, or I have exhausted my COBRA benefi ts
• 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 sub- stantially violated a material provision of its contract with me
• I and/or my dependent(s) lost mini- mum essential coverage (due to rea- sons other than non-payment of pre- mium or rescission)
• Other qualifying event (as required or permitted by applicable laws)
thecattlemanmagazine.com
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