Vice President, Employee Benefits
Medicare open enrollment is underway, and the individual health insurance market enrollment period is fast approaching. Unless you're fortunate to have employer-sponsored health insurance, you may be navigating the complicated choices for your health care coverage for 2019.
Our advice? Don’t go it alone! A licensed, professional, independent health insurance broker can be your best ally during open enrollment.
The annual Medicare open enrollment period is October 15-December 7.
The individual health insurance market enrollment period is November 1-December 15.
If you've been without coverage during 2018, or if you have coverage but would like to change your plan for 2019, open enrollment is the time to review options and enroll in a plan for coverage that goes into effect January 1, 2019.
The most common questions we receive about health insurance enrollment have to do with circumstances that change during the year.
- Individuals who are still working after turning 65, for example, frequently ask what they should do if they plan to retire at some point in the next year.
- Individuals enrolling in Medicare at 65 often ask about health insurance coverage for a younger spouse who is not yet eligible for Medicare.
- Parents of young adults question whether their sons or daughters will be able to purchase individual insurance upon turning 26 or if they'll have to wait for the next open enrollment period.
In addition, parents of young adults undergoing treatment may have concerns about how a pre-existing condition will affect their son or daughter when it's time to move from Mom's or Dad's group plan to individual insurance coverage.
You may have your own concerns about your current health insurance status or about changes you will need to make in the next year. During a Sylvia Group webinar on October 16, we tried to anticipate some of those concerns in our overview of Medicare and open enrollment.
If you're Medicare-eligible and interested in doing your own research, the Sylvia Group Medicare webpage is a good source, as is Medicare website. Massachusetts residents under the age of 65 looking for information on individual and family health insurance can find it on the Massachusetts Health Connector website.
Whether you've done your own research or not, you're welcome to contact me for more information. My clients receive the informed, objective advice only a licensed, professional, independent health insurance broker can provide.
About Julia Jennings and Sylvia Group
With more than 30 years’ experience as a health insurance professional, Julia Jennings is nationally recognized not only for her expertise but also for her service initiatives to improve the health insurance market. A Registered Health Underwriter (RHU) and Licensed Insurance Advisor (LIA) who has earned certifications in Long-Term Care (LTC), Consumer-Driven Health Care (CDHC) and the Patient Protection and Affordable Care Act (PPACA), Julie is a recipient of the National Association of Health Underwriters’ most prestigious honor, the Distinguished Service Award, for her lifetime commitment to her profession and her community.
Voted "Best Insurance Agency" in both years of the SouthCoast Media Best of the Best Awards program, Sylvia Group helps businesses and individuals protect their future by designing insurance, benefits and financial planning programs. We’re a locally owned agency known for our commitment to our clients and our community, as well for our industry expertise. Founded in New Bedford, MA, in 1950, headquartered in neighboring Dartmouth, and serving businesses and individuals throughout Massachusetts, Rhode Island and beyond, Sylvia Group is certified as a Woman Owned Business Enterprise with the Massachusetts Supplier Diversity Office and has the distinction of being the first six-time recipient of the Five Star designation awarded by the Massachusetts Association of Insurance Agents (MAIA) for all-around agency excellence.