Health marketplace enrollment underway
Illinois residents are able to review and purchase health insurance coverage plans available on the Get Covered Illinois, GCI, website, the official health marketplace or ACA “Exchange,” that will take effect on Jan. 1, 2019.
The open enrollment period started Nov. 1 and runs through Dec. 15.
The Illinois Department of Insurance, DOI, advises consumers who are enrolling or reenrolling to start shopping early and look at all options on and off the Exchange.
Consumers can choose a plan from four “metallic” tiers, ranging from bronze to platinum, on the Exchange.
The metal categories reflect how consumers share costs with their insurance company, but all plans offered on the Exchange must cover the same set of Essential Health Benefits, EHBs.
Average rates for the 2019 lowest-cost silver and gold plans decreased from last year for the first time, while the lowest cost bronze plans modestly increased, DOI reported.
Consumers are advised to contact GCI at 866-311-1119 or visit the GCI website to learn if they are eligible to receive financial assistance based on their income and family size.
In addition, DOI plans to have events in every county in Illinois throughout Open Enrollment to answer questions and provide in-person information.
DOI reminds consumers that cost alone may not be the only factor to consider when selecting a plan.
For example, consumers may want to also consider a plan’s provider network and whether the plan has the coverages they are accustomed to receiving.
DOI encourages consumers to visit its GCI website at https://getcovered.illinois.gov for further information and assistance, or to contact their trusted licensed insurance agent.
The Get Covered Connector on the website allows consumers to search for options by zip code to find local, free application help in English or Spanish.
Consumers can also use this tool to schedule in-person assistance appointments with navigators and certified application counselors.
DOI further encourages Illinois consumers to:
Enroll from Nov. 1 to Dec. 15.
Visit the Get Covered Connector to find free local help in Spanish and English.
Call GCI at 866-311-1119 from 7 a.m. to 8 p.m. Monday through Friday and from 8 a.m. to 6 p.m. Saturday and Sunday for resources and information regarding health insurance.
Contact a trusted, licensed insurance agent.
Go to http://insurance.illinois.gov/newsrls/2018/11/Full102TourForWeb.pdf to find a GCI event.
View informational videos under the DOI website on the “Latest News Tab” in English or in Spanish.