Tag Archives: service area

SEP Changes like Moving

When Change Happens, We Can Help

Things change. We understand that the unexpected is a part of life. But there are ways we can help you get covered when the unexpected happens.

If you weren’t able to get coverage during this Annual Enrollment Period, or if something important has changed and you need a new plan, you may be able to get a Special Enrollment Period (SEP).

During an SEP, you can buy a new plan or make changes to your current plan.

To get an SEP, you need a qualifying life event (something that has changed your insurance needs). Qualifying life events include:

  • Getting Married
  • Having, adopting, or the placement of a child
  • Permanently moving to a new area offering different health plan options
  • A change in income or household status, which can change how much government help you can get
  • Losing other health coverage because of:
    • Job loss
    • Divorce
    • Loss of eligibility for Medicaid or the Children’s Health Insurance Program (CHIP)
    • Expiration of COBRA coverage
    • Your health plan no longer meets the requirements of the Affordable Care Act (ACA)
    • Reduction or termination of employer contributions
    • Significant increase in the cost of your plan

If any of these items describes your situation, you have 60 days after that event to enroll in a new plan. You can shop with us online or call us at 1-877-686-1168 for help finding a plan.

Your new coverage date will depend on the kind of life event you had and what day of the month you enroll. Learn more about when your new plan will start.

Losing your coverage doesn’t always mean you get an SEP. You can’t get one if you lose your insurance because:

    • You didn’t pay your premiums
    • You chose on your own to quit your other health coverage
    • You lost a short-term plan or (in some cases) a Catastrophic plan

If you can’t get an SEP, you can always get covered with a short-term plan at any time. While they do help with your health costs, they aren’t qualified health plans under the ACA, which means you could still have to pay a tax penalty in the next year.

Still not sure what to do in your situation? Call us at 1-877-686-1168 for help figuring out your options.

Fighting Hunger Through Food

Long View: Solving Hunger One Bite at a Time

It seems I might be a little fixated on food. A number of friends and family members seem to think I live mealtime to mealtime, which may explain my recent weight gain. As many of us enjoy Central Illinois’ bounty, it’s important to remember many of our neighbors are not so lucky.

In Illinois, we are fortunate to have access to food banks across the state. Julie Melton is the director of Marketing and Development at the Eastern Illinois Foodbank (EIF). They distribute millions of pounds of food to over 100,000 individuals across their network of more than 220 sites. She told me, “Based on our Hunger in America Study, a full third of the seniors in the Eastern Illinois Foodbank’s service area experience food insecurity rates of 15 percent to 41 percent. In some areas, more than 42 percent of seniors are food insecure, which is among the highest rates of senior hunger in Illinois.”

You can help fight food insecurity, which means someone doesn’t have reliable access to nutritious, affordable food.

“Every $1 donation can buy $10 worth of food or provide 6 meals for neighbors in our community,” Melton said.

Jim Hires, executive director at the EIF, said, “Older American food insecurity is a growing problem. Addressing senior hunger has become an increasingly major concern and focus across the nation, and especially in our 14-county region. The Eastern Illinois Foodbank and our agency partners are committing more of our resources to this issue in the coming months and long term.”

Donating and volunteering at your local food pantry or soup kitchen are better ways to give. Your nearest food bank will be thankful for any support you offer. Search for one nearby at FeedingIllinois.org.

Solving hunger won’t happen overnight. But we can all help one small bite at a time. There are people in all of our communities who don’t have enough to eat. After seeing these statistics, I am more thankful for my food. I bet you will be, too.