Open Enrollment Fact Sheet

Open Enrollment Fact Sheet – What to Know to Get Coverage for 2018

GENERAL FACTS FOR 2018

  • You should review your plan each year to ensure it meets your health and budget needs
  • Open enrollment for 2018 is November 1, 2017 to December 15, 2017
  • CareSource and Celtic/MHS/Ambetter are offering Marketplace coverage for 2018
  • Anthem and MDwise Marketplace will not offer Marketplace coverage in 2018, which will require policyholders to select a new plan
  • IU Health Plans will not offer off Marketplace coverage in 2018, which will require policyholders to select a new plan
  • Certified Indiana Navigators are available to help you enroll in a plan. Find one near year at http://www.in.gov/healthcarereform/2468.htm.

THE PROCESS FOR GETTING COVERAGE

  • Review: review your coverage and look for a letter from your plan about how your benefits and costs may change next year
  • Update: starting November 1, log in to the federal Marketplace and update your 2018 application – make sure your household income and other information is up-to-date for next year
  • Compare: compare your current plan with other plans that are available in your area
  • Choose: Select the health plan that best fits your budget and health needs. Contact a certified navigator to enroll in your plan. Make sure you discuss:
    • What hospitals and doctors are “in-network”?
    • Are your current medications covered by the plan?
      • Is there a deductible associated with my medications?
      • Is a prior authorization required in order to have my medications covered?
    • Ask to look at the Summary of Benefits and Coverage, which provides an overview of what is covered under the plan as well as any costs to you associated with using the benefits
  • Enroll: Open enrollment for 2018 coverage is from November 1, 2017 to December 15, 2017.

WHAT TO DO IF YOUR 2017 COVERAGE WILL NOT BE AVAILABLE FOR 2018

  • For Marketplace Plan Enrollees
    • The Centers for Medicaid and Medicare (“CMS”) will automatically enroll you in either a CareSource or Celtic/MHS/Ambetter plan
      • You do not have to stay in this plan if it does not work for you
      • You can enroll in a different plan on healthcare.gov during Open Enrollment
      • If you do not enroll in a different plan on healthcare.gov, you will remain in the plan that CMS selected for you
      • Regardless of what plan you will have for 2018, you must pay the first month’s premium to make your plan effective
    • You will receive two notices: one from your current carrier and one from CMS
       
      Information in Notices
      Carrier Notice CMS Notice
      When your current plan ends The plan name and plan ID for the new plan you are enrolled in
      When you can select a new plan The option to enroll in a different plan
      What you need to do to select a new plan Contact information for the Marketplace
      Contact information for the Marketplace  

  • For Off Marketplace Plan Enrollees
    • You will not be automatically enrolled in a plan like a person enrolled in a Marketplace plan
      • You will actively need to select a plan during Open Enrollment
      • You must pay the first month’s premium to make your plan effective
    • You will receive a notice from your current carrier, which will contain:
       
      Information in Carrier Notice
      When your current plan ends
      When you can select a new plan
      What you need to do to select a new plan
      Contact information for the Marketplace