Annual Open Enrollment - NOV 1ST to DEC 15TH

What You Need To Know

Before you review your Indiana Health Insurance options, following are important dates and rules regarding health insurance and the Affordable Care Act

Open Enrollment – Nov. 1st – Dec. 15th. You must purchase your health insurance during the annual open enrollment. Click for Special Enrollment.

Special Enrollment Period

If you are purchasing regular health insurance on or off the Exchange (Marketplace), you must do so during the annual open enrollment period. Failure to do so may result in your having no coverage for the following year and having to wait until the next year’s open enrollment to sign up for coverage. However, you may enroll in a health insurance plan outside of the annual open enrollment dates if you have a qualifying event.

You can still sign up for health insurance after the deadline if you meet any of the following qualifying events:

• change in legal marital status
• a change in the number of dependents
• a change in place of residence and the current carrier is not available
• significant cost or coverage change

• a change in coverage of a spouse or dependent
• a COBRA qualifying event
• legal judgements, decrees and orders
• entitlement to Medicare or Medicaid

Note you can purchase Cost Sharing Plans, Short-Term Health or Travel Health Insurance anytime of the year

Tax Credit – You may be eligible for a tax credit through the Health Insurance Marketplace to help off-set high premiums. Use the Subsidy Calculator provided by the Health Insurance Marketplace to determine your eligibility.

Individual Mandate – The individual mandate has been repealed for 2019 and beyond. There is no penalty for not having health insurance.

Pre-existing conditions – You can’t be charged more or denied coverage because of a pre-existing condition.

Your Health Insurance Options

As a FREE RESOURCE to you, the professionals at Miller & Associates Insurance Solutions will help you determine the best health insurance for your needs. As an independent agent, we work with multiple top-rated carriers to provide more options for you and your family.

Traditional Major Medical Health Insurance

Per the Affordable Care Act, you must purchase your health insurance during the annual open enrollment:

NOV 1st to DEC 15th

Miss the deadline? Click for Special Enrollment

Special Enrollment Period

If you are purchasing regular health insurance on or off the Exchange (Marketplace), you must do so during the annual open enrollment period. Failure to do so may result in your having no coverage for the following year and having to wait until the next year’s open enrollment to sign up for coverage. However, you may enroll in a health insurance plan outside of the annual open enrollment dates if you have a qualifying event.

You can still sign up for health insurance after the deadline if you meet any of the following qualifying events:

• change in legal marital status
• a change in the number of dependents
• a change in place of residence and the current carrier is not available
• significant cost or coverage change

• a change in coverage of a spouse or dependent
• a COBRA qualifying event
• legal judgements, decrees and orders
• entitlement to Medicare or Medicaid

Note you can purchase Cost Sharing Plans, Short-Term Health or Travel Health Insurance anytime of the year

Health Maintenance Organization Or HMO

An HMO offers lower premiums and a significant savings on routine and preventative healthcare. However, this type of health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. Thus, if you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. But, the great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.

Preferred Provider Organization Or PPO

A PPO will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and most often the PPO has a large network with quality care providers and excellent prescription drug coverage.

Health Savings Account (HSA)

An HSA is a tax-advantaged bank account tied to certain high-deductible health plans. It allows you to use tax free dollars to pay for allowable health expenses, such as copays, prescription drug costs and more.

Health Insurance Marketplace

Cost Sharing Ministry Plans

Short Term Health Insurance

Travel Health Insurance

Bundle Your Health Insurance

Life Insurance

Protect your family with a variety of Term Life, Permanent Life, Annuities and Final Expense insurance.

Supplemental Insurance

Additional insurance solutions for protecting your income.

Dental & Vision Insurance

Plans provide diagnostic, preventative and corrective services.

Medicare Eligible Recipients

Medicare Advantage, Supplements and Prescription Drug Coverage.

Individual Health Insurance

When you’re looking for affordable health insurance options, Miller & Associates Insurance Solutions LLC is happy to point you in the right direction. We provide you with full medical coverage, professional advice, and hassle-free service.

Our expert team of insurance agents has connections with leading health insurance companies, and we’ll gladly help you find the perfect plan for you. Whether you have known medical issues that will require more attention, or you’re looking for simple yet comprehensive insurance, we’ll help you compare different insurers and discuss the pros and cons of their policies.

Make an informed decision when it comes to your health insurance. Contact us now at (812) 871-2327 or (812) 614-9799 to book a consultation at your earliest convenience.

No-Obligation Consultations on Health Insurance

Although we’ll happily assist you over the phone, we always recommend scheduling a no-obligation, in-person consultation so that no information goes overlooked. You may end up saving time in the long run as we’ll get a better idea of the coverage you’re looking for, face-to-face.

Our health insurance agents make sure getting a quote is fast and straightforward. Sit down and speak with us about your medical history and your needs, and we’ll find you an array of options that work for you. From there, we’ll lay out the different rates and terms of each policy and make professional, impartial suggestions.

A Full Range of Individual Health Insurance Plans

Miller & Associates Insurance Solutions LLC offers a full range of individual health insurance coverage and plans. Our agents can help you assess what your needs are and then put together a comprehensive health insurance plan. Many insurers provide personal insurance plans that are customizable with add-ons. Typical health insurance coverage includes any of the following:

• Basic health insurance
• Prescription drug insurance
• Vision insurance
• Dental insurance

• Extended health insurance
• Disability insurance
• Critical illness insurance
• and more!

Our team will take the time to locate different health insurance plans that have everything you need. Then, you can choose the health insurance company you prefer.

Streamlined Medical Insurance Claims

When it comes to medical insurance claims, we’ll make sure you receive the maximum amount payable every time. If you need to submit a claim, our phone lines are always open. Give us a call, and we’ll help you handle your medical claims hassle-free. We let you know what documents are required, and we take care of the rest.

If ever there is any confusion or uncertainty, our health insurance professionals can always help. At your request, we can break down the terms of your coverage and answer any questions you may have.