Traditionally, the only time to get insurance, or change what you have, is during that annual Open Enrollment Period. At this time that is set to start on November 1 through December 15. The only thing that would change that would be if you had a “life change event” and would qualify for a Special Enrollment Period (SEP).
A SEP, Special Enrollment Period, would be triggered any time you have a “life change event”. This would be…
- Childbirth
- Death of family member
- Divorce
- Marriage
- Loss of insurance
- Relocation
There are a few special circumstances that could trigger an SEP so if you think you might have one of these please contact us. We will go over your situation and let you know if you qualify.
There is no set cost for the insurance. There are several plans to choose from depending on what is right for your situation.
The premiums will vary depending on your age, location, number of people in the family, tobacco use and whether or not you qualify for tax credits.
It only takes us a couple of minutes to collect the information needed and we can give you an exact cost of your insurance so give us a call.
We would need names, addresses, dates of birth and social security numbers. If you want to apply for tax credits to help cover the cost we would also need your estimated income for this coming year. Tax returns are often the best place to find all of this information.
Yes. With the creation of the Affordable Care Act pre-existing conditions must be covered by all Qualified Health Plans.
Depending on your income level there are subsidies, monthly advance tax credits, available to help cover the cost of your insurance. Depending on the level of help you get there might even be assistance in helping cover your out of pocket expenses also.
Although starting in 2019 there will no longer be penalties for not having health insurance coverage, you will still be responsible for all costs associated with an illness or accident.
All Qualified Health Plans, which is all we sell, have to cover the same 10 Essential Benefits no matter which insurance company you buy a policy from. These benefits include…
- Wellness
- Outpatient services
- Emergency services
- Hospitalization
- Maternity and newborn care
- Mental health / Substance abuse treatment
- Prescription drugs
- Rehab
- Laboratory services
- Pediatric dental and vision (limits and conditions apply)
Only for those under 19 years old and only in certain circumstances. We do have stand alone dental and vision policies available for an additional premium
Our services are no charge to our clients. The insurance companies pay us to bring clients to them so there will never be a fee to have us help you.
We take service and follow up care very seriously. Once we set you up with an insurance policy we touch bases with you periodically to let you know if there is anything else that needs to be done with your coverage. We will keep you notified of any upcoming changes and help you each year to compare new plans and prices. It is our job to make sure that you always have the best fit available for your situation on a year to year basis.
When can a person apply for insurance?
What is a SEP (Special Enrollment Period)?
How much does insurance cost?
What do I need to apply for insurance?
Are pre-existing conditions covered?
Can I get help paying for my insurance?
What happens if I don't have health insurance?
What is covered by health insurance?
Is dental and vision included?
What do you charge to help me find insurance?
What happens after we get insurance with you?
Frequently asked questions.
J. Keller Insurance Group, 2431 S 120th Street, Omaha, NE, 68144 • 402-502-9393