There are certain times each year when you can shop for and enroll in individual and family health insurance plans or Medicare coverage. These timeframes are called the Open Enrollment Period (for individual and family plans) and the Annual Enrollment Period (for Medicare coverage).
Life changes happen, though, and you may experience an event during the year, like having a baby or losing other coverage, that requires you to enroll in a new plan or make changes to your existing one.
Certain situations like these may qualify you for a Special Enrollment Period.
The Open Enrollment Period for individual and family health insurance coverage in Colorado is November 1 through January 15 each year. During this time, you can enroll in or change your plan either with a private insurance carrier like RMHP or through Connect for Health Colorado, the state’s health insurance marketplace.
There are other opportunities throughout the year when you can enroll, though, if you qualify for a Special Enrollment Period. There are many qualifying life events that make you eligible for a Special Enrollment Period.
Family additions or changes
Loss of health insurance coverage
Move or change in permanent residence
Changes to income
For current enrollees only:
For new customers only:
Be sure to report changes in your household size, income, or address within 30 days of the change. You may be asked to provide proof of the qualifying life event.
You can apply for Medicare during a few different timeframes. Your first opportunity is during your Initial Enrollment Period when you turn 65. The Annual Enrollment Period is October 15 through December 7 each year, during which you can enroll in Medicare or change your plan. There are also situations that may qualify you for a Medicare Special Enrollment Period.
You have health insurance through your employer and are still working. You can sign up for Part A and Part B any time as long as:
You have eight months to sign up after you or your spouse (or your family member if you’re disabled) stop working or you lose group health plan coverage (whichever happens first).
Your eight-month Medicare Special Enrollment Period starts when you stop working, even if you choose COBRA or other coverage that’s not Medicare.
Coverage generally begins the month after you sign up during a Medicare Special Enrollment Period.
We know health insurance can be confusing, and we’re here to help. Contact RMHP today to learn more about Special Enrollment Periods and to see if you may qualify.