Frequently Asked Questions
Individual and Family Plans
Individual and Family Plans FAQs
Looking for an Individual & Family Health Insurance Plan but have questions about where to start? Here are some common questions asked about Individual & Family Plans to help you better understand them and help begin your enrollment process.
No. If a new enrollee does not have a Qualifying Life Event within the last 60 days they are not able to enroll until the designated open enrollment period, November 1 – January 15.
If you are working with an insurance broker, they can assist you with enrollment. We partner with many local, experienced broker partners that can assist with reviewing options, and making recommendations. www.hometownhealth.com/broker-partners There is no additional cost to work with a broker.
Qualifying Life Events include:
- Involuntary loss of coverage
- Failure to pay premiums that result in a loss of coverage is not considered involuntary
- Birth
- Adoption
- Permanent legal guardianship of a child
- Marriage
- Move to the geographic service area
When you experience a Qualifying Life Event, you are required to enroll within 60 days of the Qualifying Event. Failure to enroll within 60 days of the Qualifying Life Event will result in not having coverage.
Payment is due on the 1st of each month with a 31-day grace period.
Payment is due on the 1st of each month.
Yes, at annual open enrollment (November 1-December 31st). Plan changes will be effective on January 1. Plan changes submitted January 1st-January 15th will have a February 1st effective date.
Each year we adjust our benefits and premiums. During the open enrollment period (November 1-January 15th) you will have the opportunity to change your plan. If you do nothing, your plan will be mapped to the closest plan for the next calendar year.
If you work with an insurance broker, we recommend contacting him/her. If you are an existing member, contact our Customer Service Department Monday-Friday from 7 a.m. to 8 p.m. at 775-982-3232.
