special enrollment period


The Health Care Service Corporation (HCSC) own five Blue Cross Blue Shields: Blue Cross Blue Shield of Texas Blue Cross Blue Shield of New Mexico Blue Cross Blue Shield of Oklahoma Blue Cross Blue Shield of Illinois Blue Cross Blue Shield of Montana In these five states, Blue Cross Blue […]

Top Health Insurance Carriers: Blue Cross Blue Shield


Have you ever heard of a plan having first-dollar benefits, no deductibles, and no rate increases? These three descriptors are the basis of fixed indemnity plans. Moreover, fixed indemnity plans operate on a set schedule. To explain, they only pay so much for you to see the doctor, visit a hospital, […]

Fixed Indemnity Plans


Outside of the open enrollment period (OEP), the only way to get qualified coverage is with a special enrollment period (SEP) or through an employer. However, not many qualify for an SEP. So, those looking for health coverage without an SEP outside of OEP need to consider short-term medical plans. […]

Short-Term Medical Plans Now 3-Months with Non-Renewal



How to Get Coverage After Open Enrollment Special Enrollment Period – Qualified Coverage If you’re like a lot of Americans, you didn’t apply for coverage in time. Now you’re trying to figure out what to do in regards to health coverage. Since the Open Enrollment Period (OEP) ended January 31, there’s really only one […]

What to Do after Open Enrollment


Pay the Premium to Effectuate Your Policy In 2014 and 2015, it was generally acceptable to get a plan and not pay the first month’s premium for up to three months. Even though the payment was deferred, people would still have coverage for those first three months. However, carriers ended […]

Pay Your Premium in Order to Effectuate Your Health Insurance ...