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Senior Citizen's Guide to Cleveland

Still need health coverage?

Have you recently graduated from college?  Have you aged off of your parent’s health plan? Are there circumstances that have changed in your life that have left you without health insurance? 

Even though open enrollment is over, you may still have options to get health coverage this year. You may be qualified to sign up for private health insurance in the Marketplace right now, outside the Annual Open Enrollment Period.  

Anyone who experiences a qualifying life event is eligible to purchase private insurance in the Marketplace. Here are some examples of qualifying life events:

Employment-Related Qualifying Events
You may also qualify for the Special Enrollment Period if your employment is terminated, your hours are cut back or your COBRA benefits expire. You will need to provide a letter from your employer on company stationary that verifies your termination or reduction in hours in order to qualify. For expiration of COBRA benefits, you will need a letter of documentation with your termination date.

Time Limits
You have sixty days from the date of any qualifying event to apply for health insurance coverage. In all cases you will be asked to provide documentation of the qualifying life event in the form of a birth or adoption certificate, marriage license, divorce decree or other legal documents.

Medicaid or CHIP coverage
Enrollment to Medicaid or CHIP is open all year round. If you qualify, you (or a family member) can enroll immediately.

Call me to discuss your options.
If you or someone you know has questions on whether their circumstances qualify as an eligible life changing event, please contact me. I’ll do the checking and provide the best insurance choices for you and your budget.

There’s never a charge for my services.

Catastrophic coverage
If you’re under 30, you can buy a catastrophic health plan. These plans are an affordable way to protect yourself from the high costs of worst-case scenarios, like an accident or serious illness. They cover 3 primary care visits per year before you meet your deductible, as well as certain preventive care benefits.

Even though open enrollment is over, you may still have options to get health coverage this year.

CHIP coverage
You can apply for Medicaid or CHIP any time - enrollment is open all year round. If you qualify, you (or a family member) can enroll immediately.

Children and teens up to 19 can qualify for free or low-cost coverage – and parents may be eligible too. In many states, more adults than ever are eligible for Medicaid, so you can try again if you were denied Medicaid coverage in the past.

You can enroll in Medicaid and the Children’s Health Insurance Program (CHIP) any time of year. If you qualify you can enroll immediately.

Learn how to apply for Medicaid and CHIP.
Medicaid and CHIP provide health coverage for some individuals, families and children, pregnant women, the elderly with certain incomes, and people with disabilities. In some states the program covers all adults below a certain income level.

Article provided by Laura Mutsko. Laura is a licensed insurance broker offering a full line of health and life insurance products, including Individual, Group and Family Health, Annuities, Long Term Care Insurance, Medicare Advantage, Medicare Supplement Plans, Medicare Part D Prescription Coverage, Vision, Dental and Life Insurance. Mutsko Insurance Services, LLC is located at 6966 Spinach Drive in Mentor, Ohio. Laura can be reached at 440-255-5700 or through email here. For more information, visit her website or click here to view her Senior Citizen's Guide online profile.


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