How to Change Your Health Insurance Plan

two women applying for health insurance

Nothing about health is set in stone, including insurance needs. So, what happens if you have enrolled in a health plan and later realized that your needs or the needs of your family have changed? No worries, things are always changing! Here’s what you need to know about changing your health insurance plan.

How can you change your health insurance plan?
There are two periods of time when you can change your health insurance plan. These two periods are called open enrollment and special enrollment.

  • Special enrollment is the period of time outside of the open enrollment period when you can sign up for a health insurance plan. You generally qualify for a special enrollment period 60 days following certain life events that change your family status (for example, marriage or birth of a child) or loss of employment or other health coverage.
  • Open enrollment is the period of time set up to allow you to sign up for health insurance plans, usually once a year. 

Check out the list of qualifying life events by clicking here!

How did you enroll in your health insurance plan?

Ready for another layer to this beautiful layer cake of changing insurance plans. Another little morsel to remember to change your health insurance plan is how you enrolled. Did you enroll through your employer, on the Health Insurance Marketplace or directly with Blue Cross and Blue Shield of Montana (BCBSMT)?

If you enrolled through the Health Insurance Marketplace or directly with BCBSMT you have an individual or family plan. Open enrollment for individual and family plans is Nov. 1 through Dec. 15, however if you’ve experienced a qualifying life event you may be able to change your health insurance plan during the special enrollment period.

Finally, if you enrolled through your employer, that’s called a group plan or group coverage. Group plans set their own schedule for open enrollment and special enrollment. To change your health insurance plan, you’ll have to call your company’s human resource department or the number on the back of your member ID card for specific open enrollment and special enrollment details.

  • Go to bcbsmt.com or call our enrollment team at 855-591-1515 to learn your options for special enrollment if you purchased your plan directly through Blue Cross and Blue Shield of Montana.
  • Go to Healthcare.gov or call them at 800-318-2596 if you purchased your Blue Cross and Blue Shield plan on the Marketplace.

In a nutshell, you won’t be able to change your health insurance plan unless you’re in an open enrollment period or you’ve experienced a qualifying life event outside of the open enrollment period.

Review the special enrollment qualifications, answer a few questions and start shopping for your new plan.

What is changing in YOUR life? Tell us about it in the comments!

Last update: 10/2/2018

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