Open enrollment for health insurance, Medicare Advantage, and Medicare Part D are upon us.

2014 FPLMedicare Advantage and Part D systems are operational. Please contact us if you are interested in making a change and we have not already discussed changing your policy and looked at options. We will need a full list of your current prescriptions with dosage and how often used. Open enrollment closes 12/7/2014.

We are certified to sell plans on the marketplace, Connect for Health Colorado. The application deadline to apply for health insurance to be effective 1/1/15 is 12/15/14, open enrollment will continue through 2/15/2015. Connect for Health Colorado (the marketplace) is operational and we can help you to complete your applications for insurance with a subsidy now. You only need to purchase coverage through Connect for Health if you are applying for a subsidy. The rates are NOT less through Connect for Health than off. There are companies available off of the marketplace that are not on it. We do not have all the plans and rates for all carriers off of the marketplace at this time. We expect this to be available at any moment and will start sending quotes to everyone we have already spoken to about renewals and changes as soon as we can. If you are interested in making a change or purchasing new coverage and have not already discussed this with us, please let us know as soon as possible. Everyone waiting for quotes, please be patient we will have them to you when the plans are all available.

In order to qualify for a subsidy, your 2015 family modified adjusted gross income must be expected to be at 400% of the Federal Poverty Rate or below (see chart attached), you must not be eligible for coverage through your employer that is deemed affordable, and you must file taxes jointly if married. Please note if your final income is higher than estimated your subsidy will be recalculated and corrected accordingly when you file taxes. If you believe you will qualify for a subsidy the first required step is to apply for and be declined by Medicaid. Please go to www.connectforhealthco.com, set up and account (if you do not have one) and complete your PEAK application. Make sure you do this as soon as possible, as last year we saw the system become harder to manage and slower as time went on and more people were trying to access it. Please make sure you mark that you are applying for medical benefits. If you decide to go this route, please let us know once you have completed that application so we can follow-up accordingly. This can be a very confusing process and there are many requirements, please contact us with your questions and concerns.

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