We're right on the cusp of the 2016 Open Enrollment Period that begins November 1st and we've received hundreds of calls from clients that found shocking news from Blue Cross, Humana, and even United Health stating that their plans are being terminated and they are being moved to an HMO plan! While many of us are in disbelief, the truth is that all carriers in the Houston market and many other Texas markets won't have an available PPO plan offered by the major carriers. In the vacuum left by these terminating PPO plans we'll need to examine the HMO network plan design. While this process can be hard to understand, don't worry, we're here to assist you through this search.
You may have missed the deadline to sign up for health insurance coverage that will begin 1/1/2015, but all is not lost. There still may be an opportunity for you to add coverage in the next few days as there are special circumstances that will permit you to buy coverage if you meet several criteria. We wanted to highlight a few key "secrets" we've seen this year that you need to know that may help you get coverage or at least avoid trouble in 2015.