Special Enrollment Periods for Americans Impacted by Recent Hurricanes

CMS Announces Special Enrollment Periods for Americans Impacted by Recent Hurricanes

Agency provides special open enrollment periods for 2017 Medicare and Exchange coverage

As a result of Hurricanes Harvey, Irma, and Maria, the Centers for Medicare & Medicaid Services (CMS) will make available special enrollment periods for all Medicare beneficiaries and certain individuals seeking health plans offered through the Federal Health Insurance Exchange. This important step gives these individuals and families who have been impacted by the hurricanes the opportunity to change their Medicare health and prescription drug plans and gain access to health coverage on the Exchange immediately if eligible for a special enrollment period.

“The lives of millions of Americans have been disrupted and impacted in some way by recent hurricanes,” said CMS Administrator Seema Verma. “Setting up special enrollment periods gives Medicare beneficiaries and individuals seeking coverage on the Federal Exchange the opportunity to access health coverage during this difficult time and when they need it the most. We remain committed to doing all we can to help support the areas and individuals affected by these historic and catastrophic hurricanes.”

CMS established the following special enrollment periods to support individuals impacted by hurricanes Harvey, Irma, and Maria:

  • Medicare special enrollment period:  This special enrollment period will allow individuals affected by these hurricanes to enroll, dis-enroll or switch Medicare health or prescription drug plans. It is available at the start of the incident period and runs through the end of the calendar year. Individuals may contact 1-800-MEDICARE to request enrollment using this special enrollment opportunity.
  • Federal Health Insurance Exchange special enrollment period:  CMS created this special enrollment period for certain individuals impacted by these hurricanes who need to enroll in a 2017plan through the Exchange or make changes to their existing 2017 plan. This special enrollment period will apply to individuals who experienced a special enrollment period qualifying event between 60 days prior to the start date of the incident period and December 31, 2017, but were unable to complete the application, plan selection, and enrollment process due to a hurricane-related weather event in 2017. This special enrollment period will allow individuals impacted by the storms to select a new 2017 Exchange plan or make changes to their existing plan at any time through December, 31, 2017.

In addition to the special enrollment periods for the 2017, individuals who reside in or move from areas affected by a hurricane in 2017 will be eligible for a special enrollment period that extends the 2018 Annual Open Enrollment Period through December 31, 2017.  These individuals may contact the Marketplace Call Center at 1-800-318-2596 to request enrollment using this special enrollment period after December 15, 2017.

These special enrollment opportunities are in addition to the Medicare and Exchange annual Open Enrollment Periods this fall and any other enrollment period for which the individual may be eligible.  CMS will continue to examine the circumstances in the areas affected by hurricanes and will consider taking action that reaches beyond December 31, 2017, if needed.

Health and Human Services Secretary Tom Price, M.D., declared public health emergencies in Texas, Louisiana, Florida, Georgia, South Carolina, Puerto Rico and the U.S. Virgin Islands – areas all impacted by hurricanes Harvey, Irma and Maria. With the public health emergencies in effect, CMS has temporarily waived or modified certain Medicare, Medicaid, and Children’s Health Insurance Program requirements to provide healthcare providers, facilities, and suppliers the flexibility they need so they can focus on the health and safety of those impacted by the hurricanes.



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2018 Health Insurance Plans

In Florida you can get $0.00 premium plans if qualified. With rise of 2018 health plans premiums many Floridians are afraid that they will not be able to get affordable health insurance premiums for 2018 health plans, they don’t know that  subsidy they receive will rise too.

There are challenges including rising premiums, a shorter window to sign up, and confusion over the status of Obamacare.

And that’s drowning out what should be a positive message for most of Florida’s 1.4 million Obamacare consumers — that subsidies will rise to compensate for higher premiums, making better coverage more affordable for many.

Single person with $20.000 yearly income might find out that subsidy for next year is larger than previous year.

Insurers introduced large number of different plans that can fit different needs and budget.

We have seen some plan premiums go down to $0 for qualified marketplace consumers.

If you have any questions please submit the form bellow:

Do I Pay Penalty If I Don’t Have Health Insurance?


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Yes, yes and yes. It is still required to have health insurance that meets the minimum coverage standards set by the Affordable Care Act.

If you don’t have insurance, you’ll pay a fine unless you qualify for an exemption.  Earlier this month the IRS issued its latest decree: It said it would reject electronically filed tax returns of individuals who did not check the box indicating that they and everyone on their return is covered—unless they qualify for an exemption.

For 2018, the penalty is $695 for each adult and $347.50 for each child without insurance. The amount is capped at $2,085 per family, or 2.5 percent of your family income, whichever is higher.

If you have any questions you can submit the form bellow:


The IRS is warning tax professionals that it will block or suspend processing of 2017 income tax returns that do not comply with Obamacare rules requiring filers to disclose their health insurance status.

The new move to tighten Americans’ compliance with the Affordable Care Act comes even as the Trump administration takes steps to undercut it.

“Taxpayers remain obligated to follow the law and pay what they may owe at the point of filing,” the IRS said in a description of the new policy.

The ACA requires most people to have some form of health insurance coverage or pay a tax penalty — a requirement known as Obamacare’s individual mandate.

Read more

Affordable Care Act Quote

2018 Enrollment Period


2018 Open Enrollment



Renewal letters for 2018 Open Enrollment are currently being mailed to you by Federal Marketplace. We want to make sure you are aware of what you are receiving, so you can make a right decision about your  health insurance coverage. If you have changes to income, family size, household demographic or want to shop for a new plan, you should Actively Renew with our help.

The Centers for Medicare & Medicaid Services (CMS) is committed to making Marketplace enrollment easier for consumers! During Open Enrollment, CMS will support a streamlined Direct Enrollment (DE) Pathway for approved issuers and web-brokers to help consumers shop for and enroll in Marketplace coverage.

The improved DE Pathway will provide consumers a more direct and easy-to-use route for getting health and/or dental coverage by eliminating the need to log into the Marketplace when enrolling a client on an approved DE partner’s website. Simply said our CMS approved third party software is going to make it easier to enroll.

As we approach Open Enrollment Period we will send you reminders as well and you will be able to set an appointment in person or by phone.

To set an appointment call 954-312-7312 or click on image below:

You can get your health insurance quote by clicking on image bellow:


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Health Insurance Basics

 Health Insurance Basics

Obamacare Health insurance

Premium – The monthly cost you must pay to maintain your health insurance coverage. This is often referred to as “monthly premium”.

Copayments and coinsurance – Payments you make each time you get a medical service.

Deductible – How much you have to first spend on covered services before the insurance company pays a portion of the covered services, except for free preventive services.

Out-of-pocket maximum – The most you have to spend on covered services in a year. After you reach this amount, the insurance company pays 100% for covered services.

Quote – Health insurance companies are required to give you an accurate estimate of what you should expect to pay as well as the terms of your health insurance plan, should you decide to do business with them.

Penalty – For the 2018 tax year and beyond, the penalty will remain at 2.5 percent, but the flat and maximum amounts ( 2017 – $695 per adult (whichever is more) and the penalty for each child in the family without coverage will be up to $347.50. The maximum penalty is set at $2,085) will adjust for inflation.

Open enrollment starts Nov. 1, 2017, and continues through Dec. 15, 2017. If you miss open enrollment you might not be able to sign up for health insurance exept if you qualify for special enrollment period,some states are extending enrollment period – California – Nov. 1 to Jan. 31, Colorado – Nov. 1 to Jan. 12, D.C. – Nov. 1 to Jan. 31, Massachusetts – Nov. 1 to Jan. 31, Minnesota – Nov. 1 to Jan. 14, Washington – Nov. 1 to Jan. 15

If you have any questions you can call: 954-312-7312 or email at: info@uib.agency






What Are Dental Savings Plans?

A dental savings plan functions a lot like a membership at a warehouse club. You pay an annual fee and get access to significantly reduced rates. And dental savings plans offer many benefits over traditional dental insurance. Things like no annual caps or limits and absolutely no paperwork.

Choose from 30+ different plans from the healthcare brands you already know and trust like Cigna, Aetna and more. We have affordable plans to fit any need and budget. And, depending on the plan you choose, you’ll save 10% to 60% on your next visit.

Our plans cover more than 100,000 dentists nationwide. These quality providers have agreed to charge reduced fees on the dental services you need. So you’ll get the quality care you deserve at a bigger savings than you ever imagined possible.

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New Address

We are proud to announce that we are moving to a new address as of February 1 2017:

3213 N Ocean Blvd

Ste 9 (second floor)

Fort Lauderdale Fl, 33308

All our client will have easy access to our new office.

We are looking forward to continue to serve you as your insurance broker.