** We are experiencing a high call and appointment volume. Please be patient as we work hard to help you!!
Open Enrollment: November 15, 2014 - February 15, 2015
Special Enrollment Period: Anytime during the year when there is a qualifying event such as relocation, marriage, divorce, losing other coverage. 60 day period from date of event to enroll
How to Get the Lowest Premium: If household size (number of people on your tax return) and total household Modified Adjusted Gross Income(MAGI = AGI on your IRS form 1040 line 37 + non-taxed amounts such as social security, alimony, tax exempt interest) is between 100% and 400% of the 2014 Federal Poverty Level AND you nor your spouse has available "minimum essential" Employer Group Coverage then you can get financial assistance to pay the health insurance premium. This aid is called a subsidy or Advance Premium Tax Credit(APTC). The subsidy is paid directly to the insurance carrier by the government. We can work with you to create your healthcare.gov account and complete the data input so that you get the subsidy applied to the premium options. We don't charge you for this service.
How to Enroll: Call One Source Services, LLC at 864-987-9996. If you don't currently have a subsidized plan then we strongly discourage you from calling the government 800 number known as the "Marketplace". We also discourage you from trying to "do it yourself." There are too many assumptions to make and the Marketplace navigators are not familiar with SC plans nor are they allowed to offer advice.
How to Update or Make Changes to Your Marketplace account:
(income changes, household size changes) Call 1-800-318-2596
How to Choose a new plan IF you are CURRENTLY enrolled in a SUBSIDIZED plan: Call 1-800-318-2596 give them my name and NPN number of 133476. They can guide you into some plan options. You can select one of those plans OR stay with the one you currently have. (Coventry has discontinued all of their 2014 and have selected a new plan for you or you can choose a different one.) After speaking with a marketplace representative, you can: 1) stay on your current plan; 2) choose a new one; 3) if unsure email or call me for assistance.
Payment/Billing: The initial premium for your policy must be made by the 1st day effective date of the first month. You can make that first payment and set up ongoing payments in several ways. You can call the carrier directly to set up your premium payment for bank draft.
BlueCross - 855-404-6752, BlueChoice - 866-569-5933, Consumers Choice - 527-5904, Coventry - 877-477-4103.
Changing Plans with Same Carrier: Call me for a day and time to review the 2015 plans by GoToMeeting, FaceToFace or phone.
Do You Need to Do Anything: If you have received notice that your plan is terminating then you need to pick a new plan. Call for an appointment. If your plan is not terminating and you are happy with your current plan, the you don't need to do anything.
Scheduling An Appointment: Email me at firstname.lastname@example.org or call the office at 864-987-9996. Flexible day and evening times by GoToMeeting, FaceToFace, or just by phone. Generally, 9 AM - 10 PM during Open Enrollment, some Saturdays. Remember that an enrollment by 12/15 is necessary to get the 1/1/15 effective date. If you are okay with a 2/1 or 3/1 effective date, then please schedule an appointment in January.
Benefits: Call Ben to review coverage, discuss networks, and in the case of Coventry, understand how Tier 1/Tier 2 works.
2015 Tax Return:(If getting a subsidy) Remember that the IRS will compare your actual MAGI with your estimated and will make an adjustment to your subsidy, benefits etc.
Other Plan Information: Regarding network providers, formulary for Rx, and other resources can be found at:
Click here for 2015 Federal Poverty Level Guidelines information