During the Special Enrollment Period (SEP), anyone seriously wanting to get health insurance can have it. The process is not a hassle because it is straightforward, simple, and quick. You can actually complete everything in just a matter of 5 minutes only, although there are many different ways to do it, too. You can choose to do it online or over the phone. But you can also do it in person via a designated enrollment hub.
“Qualified Life Event” or “QLE.” If you just moved into your new home’s voting district, then you’re in luck. This can be considered as a “Qualified Life Event.” This starts moving the SEP, which means there is no need for you to fill out any complicated forms.
So, if you want quality care at an affordable cost, make sure to try the Marketplace plans offered exclusively through the Affordable Care Act.
Find out more about how to apply for healthcare coverage after relocating or switching addresses.
How Can Relocation Help You Meet the Requirements for a “Qualifying Life Event”?
For the purpose of Special Enrollment Periods (SEP), changes in residence are considered “Qualifying Life Events”. Relocating to a different county or ZIP code is a perfect demonstration of this type of change.
If your health insurance carrier will refuse to acknowledge or will not consider your move or relocation as a Qualifying Life Event, we strongly advise you to check out the free guide we offer for this.
Such a QLE entitles you to enlist for your own Obamacare plan that conforms with the Affordable Care Act. You can get hold of this from the Marketplace.
In the absence of proper health insurance prior to moving or relocating, you will not be considered for a QLE. Otherwise, you are entitled to it.
What Can You Look Forward to with the Special Enrollment Period?
In spite of only being allowed to register in health insurance via the Marketplace once per year during Annual Open Enrollment, this limit will never be absolute since there are exceptions to it. You may qualify to sign up for insurance during an Open Enrollment Period if you have recently experienced a “Qualifying Life Event”. This includes situations like moving or when there is a recent change in your primary address. But in case it extends, it usually is for a short time only.
To prove that your QLE is valid, you will need to show that you’re eligible and for that, you need to provide specific proof. For example, if you move or relocate, you might be asked to show proof of your new address. To provide proof that you have a new address, you may present your most recent utility bill, a mortgage, lease agreement, or any other pertinent documents that show and validate the change of address.
In some cases, you may also need to present proof of prior health insurance. For this purpose, you can make use of the correspondence you had from a former employer or a provider of your previous health plan.
You may immediately browse the Marketplace right after your QLE is validated, the same way you did during the Open Enrollment Period. You may, for example, compare the different plans and rates available. You can also verify from here if you are entitled to any tax credits or tax breaks.
Always keep in mind that you have 60 days from the date of your QLE to complete your SEP. You will have to wait until the next Open Enrollment Period to enroll in Marketplace insurance if you failed to do so during your SEP.
Medical Insurance Alternative: Do We Have One?
You should sign up for COBRA coverage if you can’t find cheap health insurance in the open market. If you lost your job-based insurance plan, this could be a good option for you and your family. If your current insurance company won’t let you move or change your address as a “Qualifying Life Event,” you might want to think about switching to a new insurance company (QLE).
However, you need to have a “qualifying event” before you can get COBRA continuation coverage after your job expires. Losing your health insurance as a result of a move or change in residence paves the way for you to forfeit any prior job benefits that were disturbed by your transfer. To qualify for COBRA coverage, your household status must have changed.
COBRA health insurance makes it possible for you to maintain your coverage for up to 18 months after a qualifying event, that is if you will successfully settle 100% of the premiums plus a small administrative fee. As a result of your employer no longer contributing to the monthly cost of your health care plan, your monthly payments for your premiums will thus increase.
COBRA health insurance is a popular choice among many people because it makes it possible for them to enjoy the benefits of full insurance coverage without getting in the way of other important aspects of their lives, like their career or family life. When it comes to COBRA, on the other hand, it tends to cost a lot more for most people than the standard insurance found in the Marketplace.
Medicaid Health Insurance
Following your move, you may be able to get Medicaid health insurance, depending on the salary bracket you belong to. As a federal-state program, Medicaid intends to help people who are struggling to have their own health insurance. In this case, the individual’s salary helps determine whether or not they can have it. People of all ages can receive and enjoy the benefits of Medicaid, including adults, children, pregnant women, the elderly, and people with disabilities.
Each state may create and manage its own Medicaid program, independently determining the scope of services it will offer. This conclusion is based on an exhaustive assessment of a range of government regulations. Medicaid is not known to impose age restrictions on its insurance coverage offerings and is therefore accessible to anyone.
Every state designs and operates its own Medicaid program, whose scope of services varies from state to state. Various federal and state laws that led to this.
A set of “required benefits” must be provided by all Medicaid systems by virtue of federal law. Such benefits would include inpatient and outpatient hospital services, home health care services, nursing facility services, x-ray services, physician services, and laboratory services. They are all included in this package of benefits.
In addition, freestanding birth centers (when already licensed), nurse midwives, certified pediatric and family nurse practitioners, and family planning are also mandatory.