How to get blue cross blue shield coverage in Texas if you missed the open enrollment period
The best time to sign up for health insurance with BlueCross BlueShield is during the open enrollment period each year, almost always from November 1 through December 15. During that window of time, most people can access any coverage without experiencing delays in the process and without having headaches from the restrictions that commonly appear when one wants to sign up for a policy.
But the open enrollment period is not the only time you can get health coverage in Texas. If you were unable to purchase your insurance between early November and mid-December last year, you could still do so during the particular enrollment period, which is open until the next open enrollment period.
In order to take advantage of the special enrollment period and get your BlueCross BlueShield coverage in Texas, you must show that you meet one primary condition, and that is that you have experienced one of these events in the last 60 days:
Radical changes in your way of life
This category of events includes scenarios such as moving to a new area that offers you different coverages or where you cannot access your current coverage from your provider network, getting married, having or adopting a child, ceasing to be insured under a family member's insurance policy after you have reached age 26, getting divorced or legally separated, or, the policyholder who covered you has passed away.
Your financial income underwent an unexpected significant change, or the number of members in your household increased.
This section covers events such as losing your current health coverage because you lost your job, had your hours reduced, or for other similar reasons. It also covers if your employer decided to help you with your coverage cost through mechanisms such as an ICHRA or QSEHRA.
These events do not have a strict category but still, make you eligible to participate in the special enrollment period. These include:
- Becoming a U.S. citizen
- Your health coverage ends on a date other than December 31 of the current coverage year.
- Having an error or similar problem when trying to apply for coverage
- Becoming a member of a Native American Indian tribe
- Proving that the insurance company with which you have your current policy violated the terms of your contract with them
Remember that there are events similar to those listed above that would make you ineligible to participate in the special enrollment period, so it is always best to discuss your situation's specifics with one of our team members. You can learn about the events that make you eligible to purchase BlueCross BlueShield coverage in Texas that we did not mention in this article and learn in detail what exemptions to keep in mind at all times. You can ask us your questions or get a quote for free by contacting us through our website or by calling 855-249-4939.
Blue Cross Blue Shield Of Texas Coverage
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