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Learning Center Experience
By David Gorecki, Kaplan University School of Professional and
What is an “open enrollment period?”
If your answer is “I don’t know.” or “I think I might know.” You share the same
sentiment with most Americans. Many of
us know very little about insurance, especially health insurance, and often
find the information we need after it’s too late!
enrollment is the period of time when you can sign up for health insurance and
the health insurance provider has to insure you. They are not allowed to use
underwriting or require evidence of insurability, both of which could make it
harder for you to get health insurance. This means that individuals who are currently
under their doctor’s care and are receiving treatment for an illness or disease
(known as a “pre-existing condition”) qualifies for coverage when they enroll
during the open enrollment period. The new insurer must now cover their ongoing
Affordable Care Act, the open enrollment period is an annual event, beginning November
1, 2015, through January 31, 2016 for this year. Individuals can get coverage
from any major medical plan during this time frame regardless of their health
status. However, outside the open enrollment period, some health carriers can
still discriminate based on the applicants health status. Insurance
companies however, can’t deny coverage or charge more for people with
insurance is no longer optional under the Affordable Care Act, or colloquially, ObamaCare. A penalty is assessed for not providing proof of
current coverage for either an individual plan purchased through the
Marketplace or group coverage provided by an employer. Insurers can deny or
void coverage for fraud on behalf of the applicant.
health insurance, there is another open enrollment period that takes place
annually; this is when plan participants or certificate holders (employees) can
switch their coverage without having to prove that they are in good health.
Here is another
example of an open enrollment period. When an eligible person reaches age 65
and enrolls in the Medicare insurance plan, a 6-month open enrollment follows and
they can purchase a Medicare Supplement Plan without having to prove
insurability. At the time of application, the insurer they select must accept
their current medical condition.
Supplement policy is frequently referred to as a “Medigap” plan. These policies
are intended to fill most, but not all of the coverage gaps found in Medicare
insurance. Examples of these gaps are out-of-pocket expenses for co-pays,
co-insurance, skilled nursing care costs after 20 days, the first three pints
of blood, and other personal costs. Every year from October 15 to December 7 an
open enrollment period occurs and all Medicare eligible individuals can change their
current supplement policy to a plan with another insurance carrier, regardless
of their current health status. So with Medicare we find two open enrollment periods:
when an individual first signs up for a Medicare Supplement Plan and the annual
open enrollment period, when individuals can switch plans without proving
You may wonder
why you need to know about Medicare today, when you won’t be 65 years old for a
long time. Well you could be a person
who suffers from “early age procrastination.” One morning you wake up only to
find out that you’ve reached retirement age. This happens, and recent studies
show that many older Americans fail to sign up for Medicare at the right time
which could lead to higher premiums or gaps in coverage. These individuals
didn’t plan to fail; they failed to plan!
until it’s too late. The U.S. Government Site for Medicare offers a free
booklet “Medicare & You” at medicare.gov. The site also provides helpful
resources to learn more—remember when you reach age 65, Medicare will be your
Now that you know more about open enrollment
period, you’ll have an answer the next time a co-worker asks you “What’s an Open
is a faculty member at Kaplan University School of Professional and Continuing Education.
expressed in this article are solely those of the author and do not represent
the view of Kaplan University. Speak
with a professional if you have any questions about your health care coverage
By Cynthia Waddell, PhD, CPA, CFE
By Jerry Taylor
By Geoffrey Vanderpal
By Dr. Denise Schoenherr
By Stanley W. Self, CFE
By Rachel Byers, Full-Time Faculty, School of Business
Accounting firms are taking advantage of some emerging trends.
Change is the name of the game in wealth management!
Most people do not realize there are a variety of jobs in this field.
According to the BLS, employment of insurance sales agents is projected to grow.
Access definitions and FAQs related to accounting.
Access definitions and FAQs related to investments and wealth management.
Access definitions and FAQs related to real estate.
Access definitions and FAQs related to risk and insurance.
Kaplan Real Estate Education's Toby Schifsky looks at the factors to consider when pursuing a real estate career.
Toby Schifsky talks about the importance of goals and action steps for achieving them.
Access preparation and practice advise from Kaplan Financial Education experts Mary Orn and Julie Ramsey.
Maylee talks about her experiences with Kaplan Financial Education and preparing for her exams.
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