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The Enrollment Deadline is Past…But It’s Still Not Too Late!

march-31-deadlineIn Line” But Still Waiting? We Can Help!

In light of the March rush for people to enroll before the Enrollment Deadline, CMS anticipates that a significant number of people who may have tried to or begun the process may not have finished it. If this is your situation, do no despair now that the intial deadline has past. CMS knows this and wants to help make sure that you can complete the application process in order to get covered. is here to help you in these circumstances. If you can attest that you tried to enroll in coverage through either the Health Insurance Marketplace or a state Medicaid or Children’s Health Insurance Program (CHIP) agency, either online or over the phone, by March 31, 2014, and didn’t complete enrollment in Marketplace coverage because of issues beyond your control, then we are here to help.

The Special Enrollment Period Begins…

Further, a Special Enrollment Period (SEP) allows consumers to enroll in health coverage outside of the open enrollment period and have it be effective for that coverage year. For instance, if a consumer has a qualifying life event like having a baby or getting married, they can enroll in or change coverage outside of the open enrollment period.

If you have been trying to get health insurance (or just get on to the website), we at can help you—and at no additional cost to you. There are other circumstances, beyond qualifying life events, which you may experience related to system errors which make you eligible for an SEP.

There are several systems issues that may have prevented timely application submission, produced incorrect eligibility determinations, or hindered enrollment in the Marketplace during the initial open enrollment period. A consumer’s problem may not have been resolved in time to allow enrollment before March 31. Special Enrollment Periods for these issues will ensure that consumers like yourself will have an opportunity to get Marketplace coverage for 2014.

Circumstances that may allow for a Limited Circumstance Special Enrollment Period include:

  • Exceptional Circumstances: A consumer faces exceptional circumstances as determined by CMS, such as a natural disaster, medical emergency, and planned system outages that occur on or around plan selection deadlines.
  • Misinformation, Misrepresentation, or Inaction. Misconduct by individuals or entities providing formal enrollment assistance (like an insurance company, Navigator, certified application counselor, Call Center Representative) resulting in a failure to enroll you in your chosen plan, or if you did not receive advanced premium tax credits or cost-sharing reductions for which you were eligible.
  • Enrollment Error. If you enrolled through the Marketplace, but the insurance company didn’t get their information due to technical issues.
  • System errors related to immigration status. If you are an immigrant, and there was an error in the processing of your application leading to an incorrect eligibility result when you tried to apply for coverage.
  • Display Errors on the Marketplace website. Incorrect plan data was displayed at the time you selected your Qualified Health Plan (QHP), such as plan premiums, benefit and cost-sharing information. It may have also included errors that resulted in the display of providers outside your service area or in ineligible enrollment groups.
  • Medicaid/CHIP -Marketplace transfer. If you were found ineligible for Medicaid or CHIP and your applications weren’t transferred between the State Medicaid or CHIP agency and the Marketplace in time to enroll in a plan during open enrollment.
  • Unresolved Casework. If you were working with a caseworker on an enrollment issue that is not resolved prior to March 31, 2014.

Why Should I Work with a Broker?

Even though Enrollment Deadline is past, your bottom line answer to this very important question: You get the advice and counsel from an experienced expert whose priority is meeting your needs, and it doesn’t cost you a penny more. We are your health insurance advocate.

Our job doesn’t stop when you have enrolled. We are the company that is there for you when you have a billing problem, or even a claims problem. We will are going to help you navigate through claims resolution issues. As your advocate in this changing world of health care and health reform, we are there so you can pick up the phone and access somebody you know and trust. We provide the help and the assistance, answer your questions, and make sure your needs are met without having to dial a hundred different phone numbers.

To Enroll or Get a Quoteenroll

If you are ready to enroll for your health plan or would like to get a quote, simply click on the image to the right to get started. You may also visit or call us at (614) 336-3636.

To have knowledge is to be empowered. We welcome the chance to empower you. We can also be found on many of the social media sites:  Facebook, Pinterest, LinkedIn, and Twitter.

matt_81x106Matthew Byrne has made a career helping people find affordable health insurance in Ohio. He is the founder of, a Dublin-based brokerage providing Ohio health insurance quotes and services for individuals, families and corporations. Mr. Byrne is a subject matter expert speaking frequently about Health Care Reform, Defined Contribution Programs, COBRA, and Medicare. He can be reached at (614) 336-3636, and online at

Need a Health Reform Speaker? Find Matt on COPEC!


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