With all of the technological issues and shifting deadlines since the October 1 rollout of the healthcare.gov Marketplace, it’s important for consumers who have enrolled in 2014 ACA plans on the Marketplace to ensure they have coverage and can get medical care under their new plans when 2014 hits… There are four steps consumers can take to verify they have coverage by January 1, 2014:
- Blue Cross and Blue Shield of Nebraska (BCBSNE) and Healthcare.gov are working together to validate the information both have received regarding the enrollment of an individual or family on the Marketplace.
- BCBSNE will send a bill showing the amount of financial assistance the customer may be eligible to receive from the government, and the consumers’ portion of the bill.
- The customer must pay the first bill by January 10, 2014 to ensure coverage. If first payment is not received in-hand at BCBSNE by Jan. 10, we are required by law to cancel the coverage on Jan. 11.
- BCBSNE completes the enrollment, and will send new members a welcome packet and insurance card.
If someone thinks they enrolled in a 2014 ACA plan but hasn’t received a bill, or has questions about their coverage, the consumer should reach out to the Marketplace or to the insurer that they selected. (They can call BCBSNE at 877-693-7091).
For existing BCBSNE customers: They have received instructions on how to keep the 2013 plan they have, or enroll in a new 2014 ACA plan. (if they do nothing, they will keep their existing plan, and will receive information on premiums early next month).
Just a couple reminders:
- Employer group and Medicare coverages are not impacted by ACA regulations at this time.
- Open Enrollment for 2014 ACA plans lasts until March 31, 2014.
From Tom Gilsdorf, Director of Product Development:
“BCBSNE advisors will try to help consumers to the fullest extent possible, but consumers also need to know that some corrections to their enrollment can only be made by the Marketplace. BCBSNE will do everything we can to assist them through this process.
“We want consumers to be fully enrolled as soon as possible, and we’re doing everything we can—including working with the federal Marketplace—to make sure that those who have selected Blue Cross and Blue Shield of Nebraska can access their health insurance coverage in January.”
“We’re going to be as flexible in working with customers as we can. Our top priority is making sure that Americans have access to affordable healthcare coverage. We want people to be able to enroll in a health insurance plan and access the care that they need.” (For example, BCBSNE agreed to extend the deadline for paying the first monthly premium until January 10, for coverage that’s in effect on January 1.)