Ryan Kennelly
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Am I Subject to a Penalty if I Purchase a Short-Term Plan?
No, you are not subject to a penalty if you purchase a short-term plan. There has been no federal penalty for being uninsured since 2019. However, a short-term plan does not count as qualifying cov...
Does my BCBSIL HMO plan include coverage if I am traveling?
In an emergency, go directly to the nearest hospital. For non-emergencies, some HMO plans allow you to get health care services from a Blue Cross and Blue Shield affiliated doctor or hospital when ...
Will I be automatically enrolled in Medicare Part A and Part B?
Individuals may qualify for Part A and Part B if one of the following applies: 1. Already getting benefits from Social Security or the Railroad Retirement Board (RFB) In most cases, individuals wi...
Will I be covered by my BCBSIL HMO plan if I'm away for more than 90 consecutive days?
If you or a covered family member will be temporarily living outside of Illinois for 90 days or more, you may be eligible for guest membership in a Blue Cross and Blue Shield-affiliated HMO. In som...
I Forgot to Pay my Medicare Advantage (MA-PD) Monthly Premium. Will I Lose my Coverage?
Insurers can disenroll members who do not pay their premiums, but they must first provide each member with a grace period of not less than 2 months. If you pay your owed premium within the 2 month ...
What if I'm already in treatment when I enroll in a BCBSIL HMO plan and my provider isn't in the network?
BCBSIL will work with you to provide coverage for the most appropriate care for your medical situation, especially if you are pregnant or receiving treatment for a serious illness. You may still be...
I'm on a Medicare Part D Plan and Receive a Part D low-income Subsidy. I Received a Letter from the Social Security Administration that I no longer qualify for the subsidy. Can I switch to a lower cost Part D plan?
Yes, you qualify for a Special Election Period which begins the month you were notified of the loss and continues for two more months. This SEP allows you one opportunity to enroll into another PDP...
What Are Essential Health Benefits?
10 Essential Health Benefits must be offered at no dollar limits on every plan under the Affordable Care Act (ObamaCare). Essential Health Benefits consist of ten categories of items and services r...
I overpaid my BCBSIL premium. How do I get a refund?
In the case of one of the following events, you can recover premium payments you have already made to BCBSIL: Through your right to examine the policy. You have 30 days after your policy is issued...
I'm on my Employer’s group health plan and will be retiring soon. Should I drop my retiree coverage and enroll in an individual Medicare Advantage Plan?
Yes, you can disenroll from your employer-sponsored coverage to elect a Medicare Advantage or Part D plan within 2 months of your group plan disenrollment (if you decide to disenroll), but you shou...