Frequently Asked Questions
Looking for an Individual & Family Health Insurance Plan for your client but have questions?
Here are some common questions asked about our Individual and Family plans.
No. If a new enrollee does not have a Qualifying Life Event within the last 60 days they are not able to enroll until the designated open enrollment period, November 1 – January 15.
Qualifying Life Events include:
- Involuntary loss of coverage
- Failure to pay premiums that result in a loss of coverage is not considered involuntary
- Birth
- Adoption
- Permanent legal guardianship of a child
- Marriage
- Move to the geographic service area
When your client experiences a Qualifying Life Event, they are required to enroll within 60 days of the Qualifying Event. Failure to enroll within 60 days of the Qualifying Life Event will result in not having coverage.
Payment is due on the 1st of each month with a 31-day grace period.
Payment is due on the 1st of each month.
Yes, at annual open enrollment (November 1-December 31st). Plan changes will be effective on January 1. Plan changes submitted January 1st-January 15th will have a February 1st effective date.
Each year we adjust our benefits and premiums. During the open enrollment period (November 1-January 15th) your client will have the opportunity to change plans. If they do nothing, their plan will be mapped to the closest plan for the next calendar year.
You can contact the following:
- Account Specialist, Dayna Clark either 775-982-3101 or dayna.clark@hometownhealth.com OR
- accountspecialists@hometownhealth.com OR
- Hometown Health Sales line at 775-982-3100
We offer monthly virtual training for brokers with our Individual and Family product. Training sessions are announced in our monthly broker newsletter with a link to RSVP as well as on the home page of your Salesforce broker portal.