Navigating the recent changes to your coverage
We know the recent notices have left many of you worried. Here's what's happening, and exactly what to do.
We know the recent notices have left many of you worried. Here's what's happening, and exactly what to do.
If you're losing Essential Plan 200-250, the state is granting a 60-day Special Enrollment, and your new coverage can start retroactively, so there's no gap. There is time.
Over the past few weeks, many of you have reached out with questions about renewal notices, plan changes, and new costs. You are not alone, and you don't have to figure this out by yourself. Below are answers to the questions we're hearing most, and our team is ready to help with the rest.
Essential Plan 200-250 was introduced in 2024 as an extension of the Essential Plan. Unfortunately, due to funding cuts, the program is ending on June 30, 2026. That's why you'll need to re-run your application and choose new coverage.
This isn't something to panic over. There's a clear path forward, and our team can walk you through your new options.
Good news: the state is giving extra time. Because losing Essential Plan 200-250 counts as a qualifying event, you have a 60-day Special Enrollment from when your coverage ends, and your new plan starts retroactively to the date you lost coverage.
For example, if you run your application in mid-August, your coverage can still begin retroactively on July 1. So please feel free to book an appointment after June 15, we'll be happy to help.
No coverage gap · There is timeSome clients are receiving renewal notices earlier than their original renewal date. This is a result of funding cuts to the programs.
The safe step is simple: re-run your application to keep your coverage. You can reach out to our office to see if there is availability. If not, we will guide you to where you can get assistance.
These changes are a result of funding cuts to the programs.
You may want to explore other options in the insurance or healthshare marketplace.
This is another result of recent policy changes and funding cuts. In the past, if you qualified for Medicaid, Essential Plan, or Child Health Plus, you were locked in until your next renewal. That's seemingly no longer the case.
You may get a notice for an upcoming renewal and should re-run your application. Keep in mind your eligibility at renewal may now be based on your current income.
Yes, this has changed as well. Children under age six are no longer locked in to Medicaid or lower Child Health Plus rates until their sixth birthday.
At minimum, the premium may increase at the upcoming renewal, potentially up to the full premium, depending on your income.
If your network is dropping Fidelis, here's how to switch plans the right way.
We are currently receiving hundreds of calls and emails every day, and in some cases we may not be able to assist everyone directly. Please read through the questions below first. Most situations are covered.