Now that Open Enrollment has started, we know that you might have some questions. Found a plan, but not sure if you’re eligible for a tax subsidy? Have a pre-existing condition and afraid you won’t get covered? Not sure when your payment is due?
Trust us: You’re not alone in wondering about these details. In an effort to help minimize your confusion, we’ve answered a few of the most-asked questions from GoHealth consumers.
1. When will my coverage become active?
Your coverage will only become active once you pay your first premium. The date your coverage actually takes effect can vary. If you enroll and pay your first premium by the 15th of the month, your coverage will take effect by the 1st of the next month. However, if you wait until after the 15th, your coverage won’t take effect until the 1st of the month after the next month. For example, if you enroll on January 16th, your coverage won’t begin until March 1st, assuming you’ve paid your first premium.
2. When is my monthly premium payment due?
It depends. Once you complete your enrollment and purchase coverage, you’ll work directly with your health insurance company to make sure you pay your monthly premiums on time.
3. How do I update my personal and household information?
Updating your personal and household information is extremely important to ensure your coverage and tax subsidy estimate are correct. You can update your information by logging in to your account, or you can call us at 888-352-2233 for assistance.
4. Do I qualify for a government tax subsidy?
That depends on a few different factors. Tax subsidies are offered on plans purchased from the Marketplace for anyone making between 100 percent and 400 percent of the federal poverty level. For an individual, this comes out to be around $45,000 per year, or for a family of four, around $94,000 per year. During last year’s Open Enrollment, roughly 85 percent of people who enrolled qualified for tax subsidies. Make sure all of your information is up-to-date, and GoHealth can help you find out your tax subsidy estimate either online or over the phone.
5. Does my health plan cover preventive services?
Yes. Private health insurance plans must cover a set of recommended preventive care services. Assuming the care is delivered by an in-network provider, these free services include immunization vaccines, various cancer screenings, and preventive services for children and women.
6. Can I be denied coverage for a pre-existing condition?
No. Moving forward under the Affordable Care Act, no one can be denied coverage because of a pre-existing condition. Once you have coverage, no health insurance company can refuse to cover treatment for your pre-existing condition. Even if you’ve been turned down in the past, consider this a new opportunity to get coverage.