If you are graduating, turning 26, or leaving a school-sponsored health insurance plan, you may be eligible for a Special Enrollment Period.
Whether you plan to continue your education or look for work, find out if you qualify for income-based tax credits that reduce the cost of monthly health insurance premiums. These Advance Premium Tax Credits are only available through the Health Insurance Marketplace, but you can use them to purchase qualifying health plans from Community Health Options.
Our storefront will ask you a few qualifying questions (be sure to slide the button at the bottom of the page to ‘Check My Eligibility’) to estimate your potential tax credit and show actual plans and prices.
Once you have chosen a plan, you will be shown options to purchase. Choose Option 1, if you do not qualify for tax credits and want to purchase your plan directly from Community Health Options; choose Option 2 to confirm your eligibility for a tax credit and to purchase your health insurance through the Health Insurance Marketplace.
Timing is important! You must enroll in a new plan 60 days before or after you lose your current coverage.
The Affordable Care Act’s Commercial Risk Adjustment (“RA”) program equalizes risk for individual and small group plans inside and outside the Marketplace. Health Options complies with this program and its requirement to verify that Members with specific chronic illnesses have an annual provider visit during which their illness is documented. We frequently need to request copies of Members’ medical records for that purpose.
You can reduce the number of RA-related record requests you receive by including appropriate ICD-10 coding on claims. Additional information about Risk Adjustment, including tips to improve clinical documentation, is available here. Be aware that this will not affect the quantity of requests for records Health Options needs for HEDIS (Healthcare Effectiveness Data and Information Set), which is a separate program with different information requirements.
We appreciate your prompt response to our record requests.