Ryan Kennelly
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How Long After I Enroll Will my Plan Take Effect?
In most states if you enroll in a private health insurance plan any time between November 1st and December 15th and make your first premium payment by the due date specified by your plan, your new...
What pharmacies are considered in-network with my BCBSIL Part D Prescription Drug Plan?
The major pharmacies in Illinois part of the BCBSIL Part D pharmacy network are: Albertson's (Jewel Osco) Walgreens Walmart
I'm Leaving My Job and Will Be Eligible for COBRA. Can I Shop for Individual Coverage and Subsidies on the Marketplace Instead?
Yes, leaving your job and losing eligibility for job-based health coverage will trigger a special enrollment opportunity that lasts for 60 days. You can apply for Marketplace health plans and (depe...
I Have COBRA and Finding it Difficult to Afford, but Open Enrollment is over. Can I drop my COBRA and Apply for Individual Coverage Outside of Open Enrollment?
No, voluntarily dropping your COBRA coverage or ceasing to pay your COBRA premiums will not trigger a special enrollment opportunity. You will have to wait until you exhaust your COBRA coverage or ...
Will BCBSIL "grandfathered plans" be renewable in 2025 in Illinois?
Yes, you will be able to keep BCBSIL grandfathered plans, including the BlueEdge HSA Plans in 2025. These plans contain the large BCBSIL BAE network that are no longer available in the ACA individu...
I Have COBRA and It’s Too Expensive. Can I Drop it During Open Enrollment and Enroll in a Marketplace Plan Instead?
During Open Enrollment, you can sign up for a Marketplace plan even if you already have COBRA. You will have to drop your COBRA coverage effective on the date your new Marketplace plan coverage beg...
We Live in Texas Because my Husband is Going to College, but our Home is in another State. We aren't changing our driver's Licenses because we're moving back after he Graduates. Should we apply for insurance in Texas or our home state?
Since you're living in Texas, you'll probably have better access to the local medical care you need if you buy a plan on the Texas exchange. In addition, a number of states offer multi-state plans ...
How Did the ACA Affect CHIP (Children’s Health Insurance Program)?
The Affordable Care Act made some changes to CHIP, the Children’s Health Insurance Program. Let’s take a look at the ACA and CHIP and learn how the changes may affect your family. Health coverage i...
Does my BCBSIL plan cover prescriptions?
Your BCBSIL HMO benefits also cover prescription drugs. Not all drugs are covered. You can visit our website to view the list of prescriptions your plan covers. This list is called a preferred drug...
How Do I Buy Private Health Plans Outside the Marketplace?
If you don’t qualify for lower costs based on your income, you can get coverage 4 ways according to HealthCare.gov: Directly from an insurer. You can contact any health insurance company and see p...