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 Missed Open Enrollment? Here’s What You Can Do Now

If you missed the Open Enrollment Period for health insurance, you may be wondering what options are still available to protect yourself and your family. The good news is that there are several ways to obtain coverage outside of Open Enrollment. Here’s what you need to know about Special Enrollment Periods, PPO plans, and indemnity plans.

Special Enrollment Periods (SEPs)

A Special Enrollment Period allows you to enroll in a health insurance plan outside of the standard Open Enrollment window if you experience a qualifying life event. Common qualifying events include:

  • Losing employer-sponsored health insurance

  • Getting married or divorced

  • Having a baby or adopting a child

  • Moving to a new state or coverage area

  • Aging off a parent’s health plan at 26 years old

If you qualify for an SEP, you typically have 60 days from the event date to enroll in a new plan. It’s important to act quickly to avoid gaps in coverage.

PPO Plans: Flexible Coverage Year-Round

Preferred Provider Organization (PPO) plans provide a flexible option for individuals and families looking for healthcare coverage outside of Open Enrollment. These plans offer:

  • Access to a broad network of doctors and specialists

  • The ability to see out-of-network providers, though at a higher cost

  • No need for referrals to see specialists

PPO plans are often available through private insurers and can be a great alternative for those who don’t qualify for an SEP.

Indemnity Plans: A Supplemental Option

Indemnity plans, also known as fixed benefit plans, provide a set cash payout for specific medical services, such as doctor visits, hospital stays, or surgeries. These plans:

  • Offer flexibility in choosing any provider

  • Can be used alongside other insurance to cover out-of-pocket costs

  • Typically do not have Open Enrollment restrictions

While indemnity plans do not provide full major medical coverage, they can be an excellent option for those needing short-term or supplemental coverage.

Finding the Right Plan for You

If you missed Open Enrollment, don’t worry—there are still options available to ensure you and your family have the coverage you need. Whether you qualify for an SEP, explore a private PPO, or consider an indemnity plan, there is a solution that fits your needs and budget.

Need help navigating your options? I’m here to guide you through the process and find the best plan for your situation. Contact me today for a free consultation!

_____________________________________

Website:  www.janicecanhelp.com
Facebook:  www.facebook.com/janicegriceinsurance


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