Renewing Your Plan
If you are satisfied with your grandfathered or grandmothered plan, you will be able to keep it for 2018. In most cases, these plans automatically renew for the new year on January 1. As of Jan. 1, 2018, Wellmark will no longer sell or renew individual and family Affordable Care Act (ACA) health plans.
Your 2018 renewal options
- You can renew your grandfathered or grandmothered plan with Wellmark. (In most cases, you don’t need to do anything, your plan will automatically renew.)
- If you’re interested in a new plan, you can visit Healthcare.govExternal Site.
- If you are looking for coverage options and you currently have a grandfathered or grandmothered plan, you should talk to an agent to weigh your options. It’s important to keep in mind if you cancel your current plan, we will not be able to sell you a new one.
How your plan can change
When you're on a grandfathered or grandmothered plan, there are certain events that allow you to change your plan. For instance, if you get married, you might want to add someone new. The great thing about qualifying life events is that they allow you to make changes to your plan at any time of the year without having to wait for open enrollment. Take a look to see what life events qualify for a special enrollment period.
Frequently asked questions
Here are some frequently asked questions about individual and family plans:
Wellmark will not offer individual or family plans in 2018. Please remember, your coverage is still in effect with Wellmark through Dec. 31, 2017, provided you continue to pay your premium, which will give you time to explore other options. To make sure you are covered for 2018, visit Healthcare.govExternal Site or contact your local insurance agent if you have questions.
If you have a grandfathered or grandmothered plan, you are able to keep your current plan. Wellmark continues to support the original intent of the ACA to allow our grandfathered or grandmothered members to keep what they already have. Your current plan may not include all of the benefits of an ACA plan, but that also means you are not paying for extra benefits you may not use.
Grandfathered or grandmothered plans are individual plans that were purchased prior to Jan. 1, 2014. There are three ways you can confirm whether or not your plan is grandfathered or grandmothered:
- You received a letter in April letting you know your plan is not affected by this announcement.
- View your plan information on myWellmark. If you have never logged in to myWellmark, it’s easy to create a new account with some basic information — your name, email address, member number from your insurance card, date of birth and last four digits of your Social Security number.
- Once logged in, click on “My Benefits” in the main menu.
- Scroll down the page and look for the header “Additional Benefit Information.” Click on “General +” under that heading.
- The information listed here will indicate if your plan is grandfathered or grandmothered.
Grandfathered members: As long as Wellmark continues to offer plans like yours, you can keep it.
Grandmothered members: You are able to keep your current plan through Dec. 31, 2018. If your plan does not get extended, Wellmark will communicate with you no less than 90 days before your plan terminates.