Heritage Financial Group represents the above insurance carriers for The Health Insurance Marketplace (Marketplace), which are plans that cover essential health benefits and pre-existing medical conditions. All carriers offer their plans on the Marketplace as well as offering direct enrollment through the insurance carrier, which takes the Marketplace out of the equation when there’s not eligibility for a premium tax credit.
Essential health benefits include Preventative Care (adult and children) that is covered at 100%, Mental Health and Substance Abuse Coverage, Maternity Services, Fertility Treatment, and do not have annual or lifetime benefit maximums.
Enrollment in a Marketplace plan is allowed during the Annual Enrollment Period (AEP) that occurs between 11/1/2022-12/15/2022 to acquire coverage for the following year. Outside of the AEP, individuals can enroll in a Marketplace plan if there is eligibility for a Special Enrollment Period (SEP) within the past 60 days or the next 60 days.
There are no fees associated with learning about your options. Heritage Financial Group can assist with your enrollment on the Marketplace or with your direct carrier enrollment when there is not qualification for an Advanced Premium Tax Credit (APTC) through the Marketplace.
To receive a proposal on your options, we ask for you to call and schedule an appointment.