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Open Enrollment Begins on November 1, 2015: The Indiana Department of Insurance encourages Hoosiers to shop and compare different plan options.
Start Date: 10/30/2015Start Time: 12:00 AM
End Date: 10/30/2015
Entry Description

CONSUMER ALERT
Open Enrollment Begins on November 1, 2015

The Indiana Department of Insurance encourages Hoosiers to shop and compare different plan options.

 

Indianapolis – Open Enrollment for policies both on and off the federal Marketplace begins on November 1, 2015. The Indiana Department of Insurance (IDOI) encourages Hoosiers to shop and compare different plan options to find a plan that best meets their health needs and budget. For 2016, there is an average of a 12.6 percent decrease in the cost of the second-lowest cost silver plan. Hoosiers receiving premium tax credits (PTC) could see a significant insurance in their costs if they remain on the same plan because of the way the federal government calculates PTC. 

Hoosiers should take the following steps to ensure they select the right plan:

  • REVIEW: Review your current coverage.
  • UPDATE: Update your Marketplace application, particularly the amount of household income and household members.
  • COMPARE: Compare your current plan with other plans available in your area.
  • CHECK: Check to make sure that your physician and prescription drugs are covered by the plan you are considering.
  • SELECT: Select a plan that best meets your health needs and budget.
  • ENROLL: Enroll in a plan and pay the first month’s premium by December 15, 2015 for coverage to begin on January 1.

IDOI encourages Hoosiers to review their current coverage to make sure it continues to best fit their health needs and budget. Hoosiers also should compare their current plan with other plans available in their county. In 2015, the average consumer in the nation who compared and switched plans saved money on his net premium. Hoosiers can see which insurance companies are offering plans in their county at www.in.gov/healthcarereform/2500.htm.  

If you are currently enrolled in a Marketplace plan, you also should update your Marketplace application. In particular, verify that the household income and household members listed on your application are correct in order to receive the correct amount of premium tax credit and avoid future tax penalties.

Go to www.healthcare.gov to review a plan’s prescription drug coverage and provider network. Provider networks can vary between plans and can change from the previous plan year. Hoosiers should pay close attention to which doctors and hospitals are in-network for the specific plan they are considering to ensure access to their providers and avoid higher out-of-network charges.

Open Enrollment continues through January 31, 2016. However, you must both enroll in a plan and pay the first month’s premium no later than December 15, 2015 for your coverage to begin on January 1, 2016.

Agents and navigators are available to help Hoosiers with each step of the enrollment process. A list of Marketplace-certified agents is available at www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/a-b-resources.html. A list of navigators in each Indiana county is available at www.in.gov/healthcarereform/2468.htm. You can call the Marketplace Call Center during the enrollment process at 1-800-318-2596, and additional information also is available at www.in.gov/healthcarereform/.

About the Indiana Department of Insurance The Indiana Department of Insurance (IDOI) protects Indiana's insurance consumers by monitoring and regulating the financial strengths and market conduct activities of insurance companies and agents. The IDOI monitors insurance companies and agents for compliance with state laws to protect consumers and to offer them the best array of insurance products available. The IDOI also assists Hoosiers with insurance questions and provides guidance in understanding how insurance policies work.

Contact Information:
Name: Jenifer Groth, APR
Phone: (317) 234-8582
Email: jgroth@idoi.in.gov
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Entry Type:
Press Release
Entry Category:
  • Alerts and Notification
  • Deadlines
  • IN.gov Category:
  • Education
  • Government
  • Residents
  • Taxes & Finance
  • Family & Health
  • Agency Name
    Insurance, Indiana Department of

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