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Bacchus Insurance Group
BACCHUS INSURANCE GROUP
Bacchus Insurance Group (BIG) can provide a full line of Health, Life, Home,
Auto and Business Insurance - and offer discounts for which you may qualify.
BIG has long been known for our expertise in the Health Insurance Marketplace.
Contact us for details...

SPECIAL ELECTION PERIOD - COVID-19 NATURAL EMERGENCY DECLARATION

3/30/2020

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​The Centers for Medicare & Medicaid Services (CMS) provides for a Special Election Period (SEP) for beneficiaries impacted by a Federal Emergency Management Agency (FEMA) Emergency or Major Disaster Declaration.

This SEP is for Medicare beneficiaries who were prevented from submitting a Medicare Advantage (MA/MAPD) or Prescription Drug (PDP) plan enrollment request during another valid election period due to the COVID-19 State of Emergency (declared on March 13, 2020). This includes both enrollment and disenrollment elections. This SEP applies to beneficiaries who reside in all U.S. states and includes all Anthem brands and affiliates.

In addition, the SEP is available to those individuals who rely on help from friends or family members when making healthcare decisions and those individuals were impacted by the State of Emergency. The SEP is available from the start of the incident period and continues for four full calendar months thereafter, beginning January 20, 2020, and ending May 31, 2020.

Enrollments are effective the first of the month after the plan receives the enrollment request. Only those beneficiaries who did not make an election during another eligible enrollment period are eligible for this SEP. An individual can use this SEP one time for each election period they missed.

For example, if an existing MA/MAPD member intended to, but did not make a plan election during their Open Enrollment Period (OEP) due to the state of emergency, they would be eligible to use this SEP one time between April 1 and May 31, 2020.

If the beneficiary knows what plan they want to select, they can call the plan or their broker/agent directly to enroll.

To review up-to-date information, you may go to the FEMA Disaster Declarations website. This Information is updated at least weekly.
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NEED ASSISTANCE PAYING YOUR INSURANCE PREMIUMS?

3/30/2020

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Many Insurers are allowing Billing Extensions during the "Safer at Home" period, due to the COVID-19.  State Auto Insurance Company has shared the following information with Bacchus Insurance Group, as of 03/30/2020:

COVID-19 has caused unprecedented action within communities across the country. These actions have been taken for the sake of our collective health and safety. We understand these actions may create financial hardship for many customers. Due to this situation, Foremost® is extending a grace period for late payments until May 1, 2020. If a customer’s payment is late during this time, we will send a reminder bill with an extended due date (rather than a cancellation notice for non-payment). This process will happen automatically; there is no need for you or your customers to call us to request the extension. 

All other billing remains unchanged, with bills going out with their regular due dates. We will continue to monitor this situation, and will update you as we make any additional changes to help customers maintain their insurance coverage.

It is important to note, that these premiums are not being waved, but instead are being given an extended Grace Period.  I would recommend all clients continue to pay their premiums, if able to do so.  As a Business Owner, I know that we are often faced with many challenges on a day-by-day basis.  With this in mind, if we can keep some normality in areas we can control, let's do it.  

In addition to State Auto, there are many other carriers who are extending their Grace Periods.  If you are a client with BIG and would like more information, please feel free to contact us.  

At Bacchus Insurance Group (BIG), we're BIG on Customer Service!

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    Author

    Shantel S. Bacchus is the founder of Bacchus Insurance Group.  She is a licensed and exchange certified health insurance agent, is currently studying for her ChHC with the American College of Financial Services.  She has over 20 years of experience in the insurance industry, in which she has hosted several workshops on Retirement Planning, Life Insurance and Risk Management. 

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