406-248-3956 ben@surwill.us

Questions & Tips

Below is a collection of articles from across the web that can help you find answers to your health insurance questions.

Remember, we are here to help too!

Contact Us

Tips from HealthCare.gov

Health Insurance Blog - Healthcare.gov
Sign up for Marketplace reminders & important info

With Open Enrollment for 2021 coverage just over a month away, sign up today for deadline reminders and useful tips so you don’t miss out on late-breaking information. How to connect with the Marketplace Get updates via email or text. Visit HealthCare.gov and enter your email address under. . . read more

Get the flu shot this fall

The Centers for Disease Control and Prevention (CDC) recommends everyone 6 months and older get a yearly flu shot by the end of October. By getting the shot, you’re helping to lower the spread of flu-related illnesses, hospitalizations, and even death. 3 more reasons it’s important to get. . . read more

Marketplace health benefits & coverage: What to know

All plans offered in the Marketplace, cover a set of 10 essential health benefits, including ambulatory patient services, emergency care, and pregnancy, maternity, and newborn care. See the full list of covered essential health benefits. Specific services covered can vary based on your state. . . read more

Life change? You may be eligible for health coverage for the rest of 2020

If you recently lost health coverage, got married, had a baby, or experienced another life event, you may qualify for a Special Enrollment Period to enroll in or change Marketplace coverage for the rest of 2020. What counts as a life event? There are 4 basic types of qualifying life events:. . . read more

When can I enroll in a 2021 Marketplace plan?

Here are some important Open Enrollment dates for 2021 coverage to mark on your calendar: Key Open Enrollment dates Open Enrollment runs from Sunday, November 1 through Tuesday, December 15, 2020. Coverage begins January 1, 2021. If you don’t enroll in a plan by December 15, you can’t ge. . . read more

Recently lose health coverage? You may qualify for a Special Enrollment Period

You may qualify for a Special Enrollment Period to enroll in or change health plans if you or anyone in your household lost qualifying health coverage in the past 60 days or expects to lose it in the next 60 days. Coverage losses that may qualify Losing job-based coverage, like through your. . . read more

New baby means new health insurance options

Congratulations on your new addition! If you recently had a baby or adopted a child, you may be eligible for a Special Enrollment Period. This means you can enroll in or change your Marketplace plan even though it’s not Open Enrollment. Your new coverage can start the day of the birth or adoption,. . . read more

Report life changes year-round

If you have Marketplace coverage and your income or household changes, update your application as soon as possible. These changes may affect the coverage or savings you’re eligible for. Which changes to report Certain changes to your yearly expected income, household members, and status (l. . . read more

Moving may impact your health coverage

Summer is a popular time for moving. Depending on whether you move to a different state, your move may impact your current health plan. Moving to a different state When you move to a new state, you can’t keep your current plan. Report your out of state move to the Marketplace ASAP. This wa. . . read more

Use Marketplace coverage to improve your health

Health coverage is important even when you don’t feel sick. No matter your health status, there are things you can do proactively to lead a healthier life. Why are prevention and health coverage important? Staying healthy is important for you and your family. Taking small steps, like eatin. . . read more

Calling all graduates: You have health insurance options

Graduation is an important milestone. As you embark on the next phase of your life, it’s also important to have health insurance to protect you from unexpected medical costs. Why bother with health insurance Nobody plans to get sick or hurt, but bad things happen, even to healthy, young pe. . . read more

Understanding regular vs. emergency health care

It’s almost always best to get routine care and recommended preventive services from a primary care provider. There are big differences between visits to your primary care provider and emergency care. When to see your primary care provider You’ll see your primary care provider both when. . . read more

Marketplace coverage & prescriptions: What you need to know

All Marketplace plans cover prescription drugs. Fill any prescriptions you got from your doctor and take them as directed. Here are 3 things to know about filling prescriptions: You may have a prescription copayment. A copayment is the amount you owe for each prescription you fill. Copayments. . . read more

Sending documents to confirm Special Enrollment Period eligibility

If you applied for 2020 Marketplace coverage through a Special Enrollment Period, you may be asked to provide documents to confirm the life events that make you eligible. You must send them before you can start using your coverage. You’ll learn if you have to provide documents after you subm. . . read more

Simple ways to use Marketplace coverage to improve your health

Now that you have Marketplace health coverage, learn what you can do to stay healthy and get the care you need: Tips for staying healthy Make time for physical activity, healthy eating, relaxation, and sleep. Get the preventive services that are right for you. Don’t forget to schedule foll. . . read more

5 things to know about tax Form 1095-A

If anyone in your household had Marketplace health insurance in 2019, you should have already received Form 1095-A, Health Insurance Marketplace Statement, in the mail. Here are 5 important things to know about this form. Helpful tips about tax Form 1095-A: You should already have Form 1095-. . . read more

3 things to know about coronavirus disease and your Marketplace coverage

{% box %} Coronavirus.gov is the source for the latest information about coronavirus disease 2019 (COVID-19) prevention, symptoms, and answers to common questions. USA.gov has the latest information about what the U.S. Government is doing in response to COVID-19. {% endbox %} You may be hearing ab. . . read more

Tips for “reconciling” your premium tax credit on 2019 taxes

You have until April 15, 2020 to file your 2019 federal income tax return. If you had a Marketplace plan in 2019 and used advance payments of the premium tax credit (APTC) to lower your monthly payment, you’ll have to "reconcile" your tax return. Through “reconciling,” you’ll find out. . . read more

Recent life change? You may qualify for a Special Enrollment Period

Now that Open Enrollment is over, you can enroll in or change Marketplace coverage only if you have a life event, like getting married, having a baby, or losing health coverage, that qualifies you for a Special Enrollment Period. Does my life event make me eligible for a Special Enrollment Per. . . read more

3 routine ways to use your 2020 Marketplace coverage

Health coverage pays for provider services, prescriptions, hospital care, and special equipment when you're sick. It's also important when you're not sick. Now that you're enrolled in a health plan for 2020, here's how you can use your new coverage throughout the year no matter your situation.. . . read more