Unless your job provides you with health insurance, you either purchase your policy during the open enrollment period or when a qualifying event occurs. Infinity Insurance Group wants you to fully understand your insurance options, so you can obtain the coverage you need.

When Can I Buy Health Insurance?

When You Start a New Job

When a new employer hires you, it provides health insurance through a group plan. You’ll typically have the same insurance plan as every employee at your place of business. The number of people covered by your policy varies. If you’re single, it only covers you. If you’re married or have children, you can typically add your spouse and/or your children to your health insurance policy. When you start your job, your employer provides the insurance paperwork that you must complete and submit by the due date. Signing up for your policy comprises one element of your onboarding process.

Open Enrollment

While the exact dates for open enrollment vary from week to week, typically, the US holds this during November, December, and the first two weeks of January. For the coverage year 2023, open enrollment begins on November 1, 2022, and ends on January 15, 2023. If your Post Falls, ID employer doesn’t offer health insurance because you’re a part-time employee or the business employs too few people to require it, you can sign up for insurance during open enrollment.

Qualifying Events

Perhaps your employer fired you or you got laid off. That ended your employer-provided health insurance. However, you don’t have to wait until November to purchase insurance because losing your existing health coverage qualifies as an event that lets you register for a plan at the time of the event. Even if you lose your job during the month of June, you get to purchase your health insurance policy in June. Other events that qualify you for a Special Enrollment Period that only applies to you, include marriage, pregnancy, delivering a baby, and adoption.

Medicaid and CHIP

The government-provided health insurance programs of Medicaid and Children’s Health Insurance Program (CHIP) offer running open enrollment. That means you can apply for either program for which you qualify at any time of the year.

Contact Infinity Insurance Group Today

Let Infinity Insurance Group help you obtain the health insurance you need. Call us, email us, or visit us at our offices. We offer health insurance that can help Post Falls, ID residents stay healthier.

If you live in Post Falls, ID and love spending time on the water, you’re not alone. Idaho is home to some of the most beautiful lakes and rivers in the country, which makes it a popular destination for boaters of all stripes. But before you can enjoy yourself out on the open water, Infinity Insurance Group encourages you to make sure you have the proper insurance coverage in place.

What Types of Watercraft Are Covered?

In Idaho, boat insurance typically covers any type of motorized vessel that can be used for recreation or transportation purposes. This includes everything from small personal watercraft like Jet Skis and Sea-Doos to larger boats like pontoon boats, fishing boats, and even yachts. Basically, if it floats and has a motor, there’s a good chance it can be covered by boat insurance.

What Does Boat Insurance Cover?

Most boat insurance policies provide some combination of property damage coverage, liability coverage, and medical payment coverage. Property damage coverage will protect your boat (and any attached accessories) in case of an accident or other covered event (like theft). Liability coverage will protect you financially if you’re found responsible for damage or injuries caused by your boat. And medical payment coverage will help cover the cost of treatment for anyone who is injured while on board your vessel.

Questions? Contact Infinity Insurance Group

Post Falls, ID is a great place to live if you are a boating enthusiast. But before you hit the water, it’s important to make sure you have adequate boat insurance coverage in place. In Idaho, most types of motorized watercraft are eligible for boat insurance coverage, including property damage protection, liability protection, and medical payment coverage. 

As if it wasn’t stressful enough to have to choose which health insurance to get every year, you have to understand a bunch of insurance terms and managed care. It is a lot for anyone who isn’t an insurance professional. At Infinity Insurance Group in Post Falls, ID, we do understand all the health insurance terms and we are here for you to make choosing the right policy easier for you.  

Types Of Managed Care

HMO (Health Maintenance Organization)

An HMO is the most popular type of managed care but it is also the most restrictive. The organization has a network of providers that the members must use. From those providers, you must choose a primary care physician who will manage your care. Make sure before you choose an HMO that your preferred primary care physician is in their network. In order to see a specialist, you will need to have a referral. The only time you can go outside the network is in the event of an emergency. 

PPO (Preferred Provider Organization)

In this type of managed care, you don’t need to have your care managed by a primary care physician. You can see a specialist without getting a referral. You will pay more to go outside the network, but that is a choice you are allowed to make. This type of coverage allows the most freedom. 

POS (Point of Service)

A POS is a combination of HMO and PPO. It is like an HMO in the fact that you need to have a primary care physician and you need to get a referral to visit a specialist. But like a PPO, you have some overage if you go outside of the network. 

Contact Infinity Insurance Group in Post Falls, ID to get the personalized service that only an independent insurance agent can provide.