When the initial open enrollment period winds up at the end of March, the opportunity to purchase an ACA-compliant plan will close until the next open enrollment, which runs from October 15 through December 7th, 2014, for an effective date of January 1, 2015. In the meantime, a “Special Enrollment Period” is available to change plans, or enroll for the first time, for those with a life changing event. These include marriage, divorce, birth or adoption of a child, or loss of a job. Continue reading
For decades the “Blues” (Blue Shield and Blue Cross) provided access to their nationwide provider network so you could stay in-network when out of state. That was huge for families with sons or daughters in out-of-state colleges and a real advantage over HMO’s and less robust PPO’s that provided emergency only coverage when out of state.
Well, Blue Cross and some of the Blue Shield plans sold in the new private and public marketplaces today provide only emergency coverage. This is disappointing to say the least. Continue reading