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Special Enrollment Period (SEP)

Coronavirus (COVID-19) Emergency Special Enrollment Period

Assister resources to help consumers apply for COVID-19 SEP.

Basic Information

MNsure is offering a special enrollment period in response to the potential growth of coronavirus (COVID-19) cases. This SEP will allow uninsured individuals 30 days to enroll in health insurance coverage through MNsure and runs Monday, March 23, through Tuesday, April 21.

Who Qualifies

  • Eligible Minnesotans who do not have current health insurance.
  • Consumers do not need to be sick to qualify.
  • Consumers who are currently enrolled in a plan through MNsure cannot use this special enrollment period to change plans.

It is important to remember that consumers enrolling using the COVID-19 SEP have limited options:

  • They cannot choose the effective date of the SEP coverage. The effective date is April 1 for all selections.
  • They can only make one plan selection during the SEP. No plan changes are allowed.

If a consumer has experienced another qualifying life event, they should enroll using that SEP to take advantage of potential effective date options, ability to change plans, etc.

Resources

Minnesotans who have lost or will lose health insurance through their employer may also be eligible for a SEP providing coverage beginning the first day of the month following the plan selection date, but not before their existing coverage ends.

Minnesotans who experience other qualifying events (such as marriage, birth of a child or a residential address move) are also eligible to shop for coverage. Individuals applying for Medical Assistance, MinnesotaCare or who are a member of a federally recognized American Indian tribe can apply year round on MNsure.org.

SEP Process for New Consumers

MNsure.org has examples of qualifying life events that allow new consumers to enroll outside of open enrollment and instructions for consumers on how to apply for a special enrollment period.

  1. A new consumer will need to create an account/complete an application to determine if they qualify for a qualified health plan (QHP) with or without financial assistance AND if they qualify to shop and enrollment in health care plans through MNsure outside of the open enrollment period.
  2. If a consumer receives eligibility for a QHP, select the Enroll in Plans button from the eligibility results screen to launch the shopping and enrollment platform.
  3. Select the Confirm Event button on the consumer’s dashboard in the shopping and enrollment platform.
  4. Select the qualifying life event and enter the date the qualifying life event occurred. For the COVID-19 SEP they will need to select the appropriate “COVID-19 SEP” drop-down option after submitting their application.
  5. If the event can be confirmed, instructions will be provided from the shopping and enrollment platform to submit SEP verification documentation either by mail or the upload tool. Additional information about verifications.

SEP Process for Current Consumers

MNsure.org has examples of qualifying life events that allow consumers with an existing application to change plans or enroll in new plans outside of open enrollment. There are also instructions for consumers on how to apply for a special enrollment period.

  1. Assisters will need to notify MNsure if a consumer has experienced a qualifying life event using the Report a Change process.
  2. For the COVID-19 SEP, the consumer will need to attest that they do not currently have insurance. No further verifications are required.
  3. After reporting a change, if the consumer is eligible to enroll in a QHP during a special enrollment period:
  • The consumer will be contacted and assisters will receive a secure email confirming next steps.
  • The assister may need to log in to the shopping and enrollment platform and select the Confirm Event button on the consumer’s dashboard in the shopping and enrollment platform.
  • Select the qualifying life event and enter the date the event occurred.
  • Once the event is confirmed plan shopping and enrollment will be available to the consumer.

SEP Notices

Any notices sent to consumers that were not manually created by MNsure can be viewed in the consumer’s inbox in the shopping and enrollment platform.

SEP Tips

Most SEPs require some kind of proof (verification). See Verifications for more information.

SEP eligibility: See Qualifying Life Events for questions about what kinds of life events may provide eligibility for a SEP. For MNsure to determine whether a consumer’s situation qualifies for a SEP, we must complete a full SEP application, which requires complete information.

Manage your calls to the ARC / Broker Service Line. Remember to use the Case Status Request (CSR) form whenever possible.

Remind Consumers to report ALL changes: Consumers should report application changes even if they are not applying for a SEP. Changes could change their eligibility.

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