- 1,199
I looked for this on the ACA website and can't get a clarification on the 60 day loss of coverage rule or effective dates. I am only familiar with the rules for Medicare health plans so a person who loss coverage involuntarily like my friend did on 4/15/14 would still qualify for a 63 day SEP for 7/1/14 - if it was a Medicare case. So would a person who loss their coverage 4/15/14 still qualify for a ACA SEP .Would the effective be the day applied for or first of the month like Medicare plans? I don't know if it makes any difference but the plan she lost was basically free subsidized insurance she got when she was unemployed for 3 years from a local hospital that ended 4/15/14 when she started making income working for a temp agency with no benefits.
She making less then 28k and has a disabled adult son living with her ( who may or not qualify for disability SSI later this year )so she does qualify for a subsidy if that makes any difference in getting a SEP. The cost of her diabetic drugs are about 300.00 a months so I think she would qualify for the medically needy status to trigger another SEP if it comes to it but that would take longer.
She making less then 28k and has a disabled adult son living with her ( who may or not qualify for disability SSI later this year )so she does qualify for a subsidy if that makes any difference in getting a SEP. The cost of her diabetic drugs are about 300.00 a months so I think she would qualify for the medically needy status to trigger another SEP if it comes to it but that would take longer.