Ryan Kennelly
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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...
Do Multi-State Plans Cover Elective Abortion Services?
As required by the Affordable Care Act, MSP insurers in each State must offer at least one plan that does not include elective abortion services. In 2015, most MSP insurers do not offer an MSP opti...
What happens if I miss my BCBSIL premium payment?
If you miss the due date for a premium payment, you have extra time to make that payment. This is known as the "grace period." During this time, your health care coverage will not be cancelled, alt...
When does a Medicare SEP based on change of residence take place?
The Medicare Special Enrollment Period begins either the month before the permanent move if the plan is notified in advance or the month the beneficiary provides notice of the move. The SEP contin...
If I Move to a Different State, can I Take my Multi-State Plan with me?
Yes; however, there may be another Multi-State Plan (MSP) option available to you in the new State. To see what States have MSP options, see private PPO plan available in your state. Private PPO ...
Why was payment for medical services I received denied by BCBSIL?
Typically, when you receive medical services, your provider will bill your health plan (BCBSIL) before sending a bill to you. BCBSIL then reviews the services you received and determines which serv...
What is the Medicare Special Enrollment Period?
It is a time period, outside of the Annual Election Period, when a Medicare beneficiary can select a new or different Medicare Advantage and/or Part D prescription drug plan. Typically the Special ...