Insurance is constantly changing
Regulation changes take place at federal and state level and products change too with the insurance companies.
As brokers we are constantly watching the landscape for you.
Medicare Supplement
Birthday Rule and Community Rate Changes
NEW to Idaho effective 3/1/2022 and Important each year moving forward ~
Idaho has been busy making changes. Idaho now allows current Medicare Supplement members to move to a like or lesser Medicare Supplement plan annually at your birthday.
Idaho has moved from Age-Rated premium to Community Rated premiums. Whether you are age 65 or 95+ members pay the same premium!
If you have an Idaho Medicare Supplement policy already, you can KEEP your current Age-rated policy as long as you feel your Age-Rated policy is beneficial to you. We watch your current premium compared to new community rate premium and will assist when you want to move to community rated same or lesser plan when you feel it's time. Oh and that fun Birthday Rule allows you to change plans with NO underwriting! Yes Guaranteed Issue. Okay, really, just call us! We have your answers and services even right over the phone.
No Surprises Act
Protection from unexpected medical bills
NEW effective 1/1/2022
Next Open Enrollment: Oct 15th through Dec 15th 2024.
Special Election Periods: If you lose coverage or have specific qualifying events a Special Election Period may open to allow enrollment. Contact us for assistance.
Family Glitch continues to be a Hot topic and has not been highly publicized but we can help. If you are offered insurance through work and it is Unaffordable to add your family members as dependents, they may qualify for enrollment through the exchange with any eligible tax credits per household size and income.
Medicaid Unwrapping is anticipated to continue for another year. It is important to do your re-evaluation on schedule. If you are affected by loss of Medicaid we can help with your insurance options and also assist with enrollment through the marketplace with any possible tax credits..