Insurance, easy as A.B.C.
Why Choose Me
Common health insurance mistakes that can be EASILY avoided:
“But they said they’ll see me with my insurance plan”
Just because the doctor’s office states they’ll let you see the doctor doesn’t mean they accept your plan as in-network. If you go out of network, you are likely to pay much more for your visit. Knowing your plan AND network is a very important part of selecting a plan.
“I thought I set up autopay, but they cancelled my plan”
Insurance companies are typically very strict with non-payment cancellation policies and difficult to get reinstated. However, it’s not impossible. Contact an Airey Benefits Company agent for assistance with your reinstatement.
“I enrolled on the WA Health Plan Finder, but I never received my ID card”
Submitting your application on the Exchange doesn’t mean you’ll be enrolled automatically. Often you must provide proof you lost coverage or submit payment prior to full enrollment. Be sure to inform your broker when you select a plan so they can send detailed instructions.
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Frequently Asked Questions
No, as of 2019 you are no longer required to have health insurance by the federal government but going without insurance is a big risk.
If you have under 50 Full Time Equivalent Employees on average in the last 12 months you are not required to offer group health benefits. Once you surpass an average of 50 Full Time Equivalent Employees in a 12-month period you are required to offer 95% of your full-time employees’ health coverage or face substantial tax penalties.
Most agents are paid a commission from the insurance company when we help a client enroll on a health plan. Some agencies charge fees in addition to the commission but Airey Benefits Company never charges clients a fee. Even for a preliminary consultation.
If you miss your open enrollment period, you likely won’t be able to enroll on a qualified health insurance plan until the following open enrollment period unless you experience a “Qualified Life Event”. See the following link for a list of full qualified life events if you think you might be eligible outside of open enrollment.
- If you get your coverage through your employer, you will have to contact your Benefits Administrator at your company or your Benefits Broker.
- If you get your coverage through the Individual & Family market or WA State Exchange the Open Enrollment Period begins November 1st, 2020 and continues until December 15th, 2020 for a new plan start date of January 1st, 2020.
- If you are on a Medicare plan the Open Enrollment Period begins October 15th, 2020 and continues until December 7th, 2020 for a new plan start date of January 1st, 2020.