Important Information Regarding your 2017 Phoenix Choice Coverage
All members currently enrolled in a Phoenix Health Plans, Inc., Exchange plan, also known as a Health Insurance Marketplace plan, have received notification that their coverage will end on 12/31/2016.
In order to obtain coverage for 2017, you may go back to the Marketplace and find a new plan that suits your needs. You will be able to find and enroll in a new plan during Open enrollment which is from 11/1/2016 to 1/31/2017. Once you update your application at healthcare.gov you can compare Marketplace plans in your area. You may even see that the Marketplace has picked a plan for you. Review your application to see if you qualify for more or less financial help in 2016. This could result in lower monthly premiums, or lower out of pocket cost to you.
While we will no longer offer Exchange plans, we will continue to offer an off-Exchange Catastrophic plan for 2017. Catastrophic plans generally feature a low premium but may have higher out-of-pocket costs for deductibles, copayments and co-insurances.
Please take note that any subsidies you may be eligible for do not apply to plans offered off the Exchange/Health Insurance Marketplace. such as our 2017 Catastrophic plan.
To continue your coverage without interruption
Because your current coverage with Phoenix Choice will not continue into next year, you qualify for a Special Enrollment Period that gives you from 11/1/16 until 3/1/17 to enroll in a new health plan. Please note that in order to keep your health insurance coverage uninterrupted while you enroll in a new 2017 plan, you will need to enroll by 12/31/16. You may experience a gap in coverage if you do not enroll by 12/31/16.
If you enroll in a new plan after 12/31/16, you will be required to provide proof of your loss of coverage.
The Health Insurance Marketplace, or healthcare.gov, is your resource to compare options and find a new plan that best meets your needs. If you are interested in learning more about our off-Exchange Catastrophic plan, we are currently preparing enrollment materials and will have these available for the Open Enrollment Period (11/1/16 – 1/31/17).
Please contact Member Services if you have any questions about your change in coverage and enrollment options.
Shopping for new coverage
Update, Compare and Enroll
The best way to prepare for the Open Enrollment Period is to update your Exchange/Health Insurance Marketplace application by 12/15/16, the last day anyone can enroll for coverage that starts on 1/1/17 and avoid a gap in coverage. Review your application and check to see if you qualify for help paying premiums or lower out-of-pocket costs for 2017.
Once you update your application at healthcare.gov you can compare on-Exchange or Health Insurance Marketplace plans in your area and enroll. If you do not pick a plan, a plan may be picked for you. Watch your mail for information on a plan that may have been picked for you. You have the option to enroll in an off-Exchange plan as well, though you will not be able to apply any subsidy to your premium or out-of-pocket costs.
On-Exchange versus Off-Exchange
Although we will not be offering an on-Exchange plan in 2017, we will be offering an off-Exchange plan or plan that is not available on the Marketplace. Information on this plan will be made available during the Open Enrollment Period. Contact us during the Open Enrollment Period to enroll.
This off-Exchange plan is a Catastrophic plan. Eligibility for this type of plan is limited to individuals under 30 years of age and individuals who qualify for certain exemptions. If you are over 30, please visit healthcare.gov for details on exemptions that may qualify you for a Catastrophic plan.
Take note: Subsidies do not apply to plans that are not on the Exchange. Therefore, you will not be able to apply any sudsidies you receive to our Off-Exchange Catastrophic plan.
|Health Insurance Marketplace||(800)318-2596
(855) 889-4325 (TTY)
|Phoenix Health Plans, Inc.||(855) 463-7275
(855) 463-7279 (TTY)
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