When you move to a new state, you’ll need to talk to an insurance company about getting a new health insurance plan since such policies are regulated and marketed at the state level. This is why it was such an obstacle for people before 2014, but since the implementation of the Affordable Care Act (a.k.a. Obamacare), health insurance is now guaranteed for everyone during open and special enrollment periods. Moving to a new state, such as Florida near Clearwater, will trigger the special enrollment period as long as you have coverage before moving.
None of this depends upon whether you have any pre-existing conditions. However, things like your age, whether you smoke, and where you’re located will all figure into determining your premium. Of course, any premium subsidies you’re eligible for will lead to an adjustment in the cost of your plan.
How do I get a new health insurance policy if I move to a new state?
If you purchase your health insurance policy through the individual market, you’ll need to speak with an insurance company to get a new plan. However, thanks to Obamacare, your coverage is guaranteed to be issued during either open or special enrollment periods that are triggered by qualifying events and last for a period of 60 days. One such qualifying event is moving, but as of July 2016, you must have had coverage before you moved. This was put into place so that you couldn’t simply move to another state in order to talk to an insurance company near Clearwater and pick up an insurance plan.
How can I ensure that my new coverage is effective immediately when I move?
There are some states where special enrollment periods are available before a move so that you don’t have to wait to talk to an insurance company near Clearwater until after your move. States aren’t required to do this, though. In fact, most states won’t. Therefore, you’ll need to wait until the day of your move to an area near Clearwater to make any changes. Your insurance will then start at the beginning of the following month. This holds true even when you’re permitted to enroll prior to your move. The government’s Health and Human Services department has proposed changing this rule so that people would have double coverage for a month instead of having a partial month gap in their coverage. This should take place in 2024.
What all of this means is that it’s quite possible that you’ll have a gap in your coverage when you move to an area near Clearwater. It all depends on what day you move and how far into your 60-day enrollment period you wait before choosing your new plan after you’ve moved. This is why you’ll want to figure out how your current health insurance coverage works in a new state. It’s quite possible that they’ll only cover you in the event of an emergency while you’re not in the state in which your policy was issued. As you can see, all of this will require some careful planning.
What insurance company near Clearwater can you contact about getting health insurance?
Gemini Insurance Company in Clearwater, FL, is a leading provider of insurance solutions for individuals and businesses. With over ten years of experience in the industry, they’ve built a strong reputation for their commitment to customer satisfaction and personalized service. Their team of knowledgeable professionals works closely with clients to understand their unique needs and provide tailored insurance plans that offer comprehensive coverage at competitive rates. Whether it’s health, life, or travel insurance, they’re dedicated to protecting what matters most to their customers.
Picture Credit: Freepik