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Blue Cross Blue Shield Customers

Losing Your Blue Cross and Blue Shield Plan?

MNsure is the only place you can take advantage of financial help such as tax credits.

In 2017, Blue Cross and Blue Shield of Minnesota (BCBS) will not sell Blue Cross individual health insurance plans in the state—both inside and outside of MNsure. (The company’s Blue Plus plans will still be available in 2017.)

If you have a Blue Cross Blue Shield plan in 2016 you are covered through the end of 2016. However, to have health insurance in 2017, you will need to find and enroll in a new plan during open enrollment.

Enrollment Caps

Important! Medica has reached its enrollment cap for most new customers. Other plans are still available, but please enroll as soon as possible.

MNsure Can Help You Find a Plan that Fits Your Needs and Budget 

Rest assured, MNsure will be here to help you find a plan that fits your needs and budget. Free in-person help is available from hundreds of certified navigators and brokers through our Assister Directory or at an enrollment event. Or, call our Contact Center at 1-855-366-7873 (1-855-3MNSURE).

MNsure Features

  • Enrolling through MNsure is the only way to continue to get a tax credit or apply for financial help in 2017. 
  • You can also re-evaluate your coverage needs and compare new plans all in one place on MNsure.org. 
  • MNsure is also the only place you can access a statewide network of certified expert assisters to help you apply and enroll.

Important Dates for Getting 2017 Coverage 

Open Enrollment

  • November 1, 2016, is when open enrollment begins, and you may shop, compare and enroll in a health insurance plan for 2017. It’s important to do this as soon as possible to have the most plans to choose from. Some insurance companies have an enrollment cap that limit the number of new customers they accept into their plans.
  • December 15, 2016, is the enrollment deadline to have your health insurance start on January 1, 2017. If you do not choose and enroll in a new plan by this date, you run the risk of being uninsured starting January 1.
  • January 1, 2017, is when 2017 health insurance plans go into effect for those enrolled by December 15, 2016.
  • January 15, 2017, is the enrollment deadline to have your health insurance start on February 1, 2017.
  • January 31, 2017, is the end of open enrollment and the enrollment deadline to have your health insurance start on March 1, 2017.

Special Enrollment Period for Loss of other Coverage 

You may qualify for a special enrollment period (SEP) for the loss of your BCBS plan. After you have applied, contact MNsure at 1-855-366-7873 to determine if you qualify for a special coverage effective date.

For this SEP, you have until January 31 to enroll in a plan and have your health coverage start on February 1. 

How to Get 2017 Coverage 

Please read carefully. The steps you need to take for getting 2017 coverage are different depending on how you enrolled in your BCBS plan.

If you enrolled in your BCBS plan through MNsure

  1. To review your options before enrolling, compare 2017 plans. If you qualify for a special enrollment period, skip steps 2, 3 and 4 and call our Contact Center at 1-855-366-7873 to verify your eligibility and complete the enrollment request.
  2. Sign in to your account (do not create a new account).
  3. Choose a plan.
  4. Enroll in the plan and sign.
  5. Pay the first month's premium to your insurance company when you receive an invoice. You will not have coverage until you complete this step.

If you did NOT apply for financial help, but want to apply to see if you qualify in 2017:

  1. Review and compare 2017 plans.
  2. Call our Contact Center at 1-855-366-7873 to apply.
  3. After you are enrolled in a 2017 plan, pay the first month's premium to your insurance company when you receive an invoice. You will not have coverage until you complete this step.

If you enrolled in your BCBS plan outside of MNsure

To enroll in a 2017 private health insurance plan, if you have never applied through MNsure:

  1. Create an account on MNsure.org.
  2. Submit an application.
  3. You can compare 2017 plans before enrolling. If you qualify for a special enrollment period, skip steps 4 and 5 and call our Contact Center at 1-855-366-7873 to verify your eligibility and complete the enrollment request.
  4. Choose a plan.
  5. Enroll in the plan and sign.
  6. Pay the first month's premium to your insurance company when you receive an invoice. You will not have coverage until you complete this step.

Blue Plus Plan Enrollees

Your current 2016 plan through Blue Plus is not affected by this decision. Blue Plus plans will be available for you to choose in 2017.

Medical Assistance and MinnesotaCare Enrollees

Enrollees in MinnesotaCare or Medical Assistance are not impacted by this news from Blue Cross Blue Shield. You can create an account and apply for Medical Assistance or MinnesotaCare at any time.

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