This year, open enrollment for buying health insurance begins on November 15, and there are some important things you can do to get prepared.
Whether you’re a returning member or a first-time buyer, we have five tips to make open enrollment easier for you.
1. Make sure you can access your account.
If you purchased a plan from the Health Insurance Marketplace on www.healthcare.gov for 2014, make sure you can log in to your account now. If you need your username or password reset, you can contact the Marketplace at 1-800-318-2596.
We encourage all members to make sure we have your correct email address and mobile phone number on file so you can receive important notifications. Visit www.ibx4you.com/myinfo to update or provide this information.
If you are a first-time buyer, you will need to set up an account when open enrollment begins, so skip to step 2.
2. Prepare your financial documents and health care budget.
The government will be providing subsidies to lower monthly premiums and reduce out-of-pocket costs for eligible shoppers. Use our subsidy calculator to see if you may be eligible. You will need your estimated household income to apply for a subsidy on www.healthcare.gov. If you received a subsidy in 2014, it is important that you review your Marketplace application to make sure the information is still current and correct. The Marketplace uses this information to determine the amount of any subsidies and lower copayments, coinsurance, and deductibles you may be eligible for. If you have any changes, you will be able to update your application when the Marketplace opens on November 15, 2014. If you like your plan and don’t have any changes to your Marketplace application, you don’t have to do anything. You’ll automatically be enrolled and just have to pay the monthly premium.
3. Get ready to shop.
If you want to shop for health plans online, it is important that you have the most up-to-date web browser. For the best user experience with the online shopping tool, please use Internet Explorer 9+ or Chrome 29+.
4. Make sure you have your enrollment information handy.
If you’re a returning member, print out the appropriate enrollment card below and use it to record important account information you’ll need when you apply. This way, the application process will go much quicker.
New members can also use these cards to document plan choices for 2015.
Enrollment card for plans purchased on the Health Insurance Marketplace
Enrollment card for plans purchased on ibx4you
5. Register for a meeting.
We offer in-person assistance at events and select CVS locations as well as webinars, and other ways to help you get more information about open enrollment. View calendar of events.
If you’re a first-time buyer who wants an easy way to learn about how health insurance works and how to choose the right plan for you, visit our new site, Health Insurance Basics.