What Are the Special Circumstances for Signing Up for Insurance Outside of Open Enrollment?

Having the right type of health insurance is extremely important. There are times, however, when you need to change your policy due to special circumstances. If you simply want to change your coverage, you will need to do so during the open enrollment dates each year. If you have experienced a life-changing event, you can change your policy at any time. In Centralia, IL, the agents at Alcorn Insurance Agency can guide you through the process.

Open Enrollment Dates

Open enrollment dates for Medicare are November 1st to December 7th with your policy taking effect on January 1st of 2020. Open enrollment for all other types of health insurance runs from November 1st to December 15th. Your policy will take effect on January 1st of 2020. Some states do have extended dates. If you have questions about the open enrollment dates in your state contact your insurance agent.

Special Circumstances

Special circumstances make it possible for you to change or alter your coverage outside of open enrollment. Examples of life-changing events that make you eligible for changing your policy include marriage, divorce, the death of a spouse, the birth of a child, or the addition of a new dependent. 

The agents of Alcorn Insurance agency can assist residents living in Centralia, IL if they have questions concerning open enrollment dates or what is considered a special circumstance. Life-changing events can be overwhelming. Maintaining your insurance coverage doesn’t have to be. If you need to make changes to your policy and have questions, call the agents at Alcorn Insurance Agency today to get the answers you are looking for. They can help!!