Congratulations on your upcoming wedding. Starting a new life with your loved one is exciting, choosing health insurance not so much. You can only change your health plan during open enrollment, which runs from November 1st through December 15th this year. However, marriage is considered a qualifying event, which means you can change your health plan 60 days after you tie the knot. Pick a plan by the last day of the month and your coverage can start the first day of the next one.
What should I do with my insurance after I say “I do”? You have different options: you can get coverage through your employers (checking their policy is a must), you can find a plan on the individual market for both of you to join or look for a plan on the individual market for your spouse. We can help you find the best option for your specific case.
Think about the coverage you would need. If you or your spouse prefer to see a specific doctor, specialist, or clinic, it is important to consider which plans cover them in network. Do you or your spouse take regular medications, have an upcoming surgery or plan on growing your family? If you and your spouse are generally healthy, you might save money paying for a less expensive plan. If you plan to need more care this year, you may want to pay more for different coverage.
Pay attention to the deadlines. If you miss the time frame that your qualifying life event provides, you will have to wait until the open enrollment period, to seek coverage. Bear in mind that If you enroll through your employer, the time window might vary. Be sure to figure out the best health strategy within 30 days of tying the knot. Otherwise, you both will have to keep the same health plan.
Picking the right health insurance plan can get confusing rapidly. That is why we are here to guide you every step of the way. We would love to answer your questions, so give us a call 866-508-0003or email us at email@example.com