Please keep in mind that Open Enrollment is a very short period of time – November 1st-December 15th. If you do need to change your appointment, we will do our best to find another available time, but this may affect your health insurance start date.
Online Applications: 11/1 — 1/1/2017
Thank you for choosing Summit Insurance as your guide through 2017 Health Open Enrollment! Here are some forms to fill out ahead of time and speed up your enrollment process.
We’re here to walk you through the steps and find the best solutions for you and your family. Because the insurance companies compensate us, our services cost you nothing.
If you’ve never had health insurance, we make it easy to get started. If you have, we help you compare your current plan to see if there’s a better fit for you.
Here are some common Questions & Answers:
By December 15 for plans starting January 1, by January 15 for plans starting February 1, and by January 31 for plans starting March 1. Thereafter, only if you have a qualifying event.
No. There is an extensive list of no-cost preventative care including labs, x-rays, screenings, and immunizations for adults and children.
This link will show if you qualify for an Advanced Premium Tax Credit. Health & Welfare will confirm the amount.
You may qualify for a subsidy to reduce your cost of care. Please contact us to find out!
Yes, if medically necessary. Some insurers automatically include this coverage, while others require purchase of a separate dental plan.
Yes, when you complete your taxes in 2018 for 2017 and are insured with YHI eligible companies. Or if you have a qualifying event during the year.
You are NOT eligible to enroll in individual plans that receive a tax credit or subsidy after you turn 65. If you turn 65 in 2017 you will need to replace coverage and dis-enroll from a tax credit or subsidized plan.
We provide small businesses with some big advantages, especially one-stop shopping. With Summit Insurance, you can compare and purchase coverage and receive no-cost consulting to design and manage your benefit plan.
If you have 25 or fewer employees, chances are you also qualify for tax credits! Here's what Summit Insurance can do for you:
No matter your thoughts on the Patient Protection and Affordable Care Act (PPACA or ACA), it has set the stage for profound changes in the American healthcare and insurance landscape.
The act sets the stage for minimum benefits, referred to as essential health benefits, which must be offered by all private and public health insurance plans. These benefits include:
Preventative and wellness services and chronic disease management
The Act provides assistance in the forms of advance premium tax credits and subsidies to lower the cost of care significantly. Households earning up to 400% of the Federal Poverty Level may be eligible for the tax credit, which is applied directly to the premium to reduce their cost of insurance. The subsidy is used to reduce the deductibles, coinsurance, co-payments and out-of-pocket expenses.
The law requires that everyone must obtain health insurance coverage. For 2016 and 2017, the penalty for not having insurance is $695 per adult, $347,50 per child, up to $2085 per family or 2.5% of the gross adjusted income for the household, whichever is greater!
For many, the cost of great coverage is less than the penalty or cost of self-insuring medical and prescription costs.
The Affordable Care Act focuses on individual and family private insurance and small company employee coverage, but it has also had a far ranging impact on other types of health insurance as well.
Medicare insurance, which is the cornerstone of health insurance coverage for citizens over 65, has been impacted. Insurance coverage under Medicare has incorporated many of the innovations introduced by ACA including an expansion of essential health benefits and the discontinuation of any pre-existing condition as well as other changes.
Even if you have had your Medicare coverage for a number of years, it is worthwhile to review your plan with our staff of certified professionals. Together, we can identify any and all changes for your present plan; new benefits features that may be available for you; and ways to further reduce your costs associated with healthcare and insurance.
Open enrollment begins
Time to newly enroll
Time to change plans
Last day to secure coverage effective January 1, 2017
Last day to secure coverage effective February 1, 2017
Last day to secure coverage effective March 1, 2017
Penalties accrue to $695 per person, $347.50 per child up to $2085 per family max or 2.5% of Adjusted Gross Income, whichever is greater!