The employee choices are more limited than in the individual the marketplace available at healthcare.gov and on our site but those individuals i would encourage to really spend some time thinking about Dental Insurance No Waiting Period how they utilize their health care where they go to the doctor we’re lowering co-pays all over across the board on our individual plans so we encourage people to go proactively have that visit
They Are better coordinate their care certainly want to look at the premiums and out-of-pocket costs so both of those are key play key pieces and in talking about say the Dental Insurance the private exchange are there any options on the private exchange for health insurance coverage for Blue Cross we’re offering the same plans to individuals both on and off the exchange so if they come directly to our site or go to healthcare.gov.
They will see the same set of options the difference being that on healthcare.gov they can access financial assistance from the federal government so they can access help with their premiums and or help with their cost-sharing so the member responsibility of the plan. sometimes some people within certain income ranges qualify for additional assistance as you go through the year sometimes things change are you able to make changes in your plan throughout the year.
You are on certain changes are a qualifying life event that entitles a person to a special enrollment period outside of the open enrollment period there’s a list of almost a dozen of them I’d encourage people to review that list but some of them are for example a permanent move to a new service area where different plans are available or your plan may no longer be available or a marriage on to that qualifies you for a special enrollment period as well so i would add within the context of an employer plan as well it’s very important if you have a kid and you want to add your your new baby to the plan to make those kinds of updates throughout the year as well you.
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