The topic I am focusing on is Health Insurance for under 65.

6 key points to keep in mind when recognizing a referral

1. Someone leaving a job. Being let go, fired or quitting. They may be losing their health insurance. They will have a special enrollment period. 

2. Someone already insured and moving here or to a new location in or out of state. They may have new options or their plan may not be available.  This will provide a special enrollment period to apply for coverage.

3. Someone losing Medicaid coverage. This will provide a special enrollment period to enroll in a Health Plan. .

4. Divorce – someone may be losing their health insurance through the other spouses coverage. Anotehr special enrollment period.

5. Birth of a child or adoption. This will provide a special enrollment period to enroll in a plan or change coverage

6. An adult child on their parents coverage. It may be time to take them off and let them get their own coverage and turning 26 will automatically remove them from coverage.Special Enrollment Period.

Time frames are also very important. The key is 60 days from loss of coverage to secure new coverage.