When your life changes, your health plan may need to change, too.

When you have big changes in your life, you have 60 days to get a health plan or make changes to the policy you already have. We can help you get the plan you now need.

What kind of ‘life changes’ qualify?
You may be eligible for the 60-day special enrollment period to get a new plan if:

• You move to a new area that offers you different plans
• You get married or have a newly eligible domestic partner and/or dependent
• You have a baby or adopt a child or have a foster child placed with you
• You lose your health coverage due to job loss, a decrease in work hours, before you start or end COBRA coverage or other reason
• You are eligible for COBRA, but have not started the coverage
• You became a U.S. citizen, national or lawfully present (i.e. Green Card, Visa)
• Your income changes, or some other event changes your income or household status
• You lose your coverage because you are no longer covered on a family member’s policy, you get divorced or legally separated from your spouse, or the policy holder has passed away

This list doesn’t include all qualifying life events and you may have a special situation. Talk to us to find out if your specific event qualifies and then we’ll help you enroll in a plan that best meets your needs and budget. Even though the open enrollment period to buy a health plan isn’t until this fall, you may be eligible to take advantage of this special enrollment opportunity right now.

How long do I have to enroll in a plan after a qualifying event? It depends on the event, since some allow you to enroll in a plan 60 days before and some 60 days after the event. Talk to us and we’ll let you know, based on your individual situation.

Can I get help paying for my health plan if I qualify for a special enrollment? Yes, the government may help pay for some or all of your plan. We can help you find out if you’re eligible for a government subsidy.

Talk to us today one-on-one for answers to your specific health insurance questions. We can explain your options and help you through your next steps.

Call: 1-800-946-3303

Visit: www.berlindenys.com