I Missed My State’s Open Enrollment Deadline. Can I Still Get Healthcare Coverage?

Don’t worry! If you missed the enrollment deadline in your state, you have two options:

You may qualify for a Special Enrollment Period (SEP) that will allow you to apply for health insurance if you have experienced a qualifying life event. Qualifying life events can include:

A change in your home address.

The loss of health insurance through a job.

Household changes such as marriage, divorce, a death in the family, or having a baby

You have 60 days to enroll in a plan, if you qualify for an SEP. But, if you miss that 60-day window, you will have to wait until OEP to enroll in an individual health insurance policy for 2022.


You may apply for a short-term health insurance plan. Short-term health insurance coverage can be purchased for up to 364 days, and you can reapply for short-term coverage for up to 36 months in most states. Short-term health insurance plans might be a good, temporary fit for healthy people, as they will not cover pre-existing conditions like Affordable Care Act (ACA) plans.

If you do not qualify for an SEP and decide not to apply for a short-term health plan, you will have to wait until Open Enrollment 2022 begins in fall 2021.

Confused? Call us and we will help! (888) 660-2351, or visit https://www.hospitality-health.com/dra 


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HealthiestYou by Teladoc

HealthiestYou offers your employees the ability to safely seek medical assistance from the comfort of their homes anytime of the day or night.

Employees meet virtually with a medical or mental health professional and may eliminate the need to leave the house to go to a crowded clinic, urgent care or ER where they can be infected or spread the virus.

Virtual visits are offered though employers who may choose to cost share with their employees.

Members-only price is $9 per employee per month for unlimited virtual visits (includes all family members at no additional cost) with $0 copays. Click here to learn more.

Here is a quick FAQ with some additional information

Employers, are you looking to offer your employees a program that doesn’t require employer contribution? Check out the Teladoc for Employees here.



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LetsGetChecked At-Home Lab Testing:

Allows employees to take their health into their own hands. An accessible, affordable, and convenient home health lab testing service is available to employees for a members-only negotiated 30% discount off retail with promo code Hospitality30.

Avoid waiting rooms, doctors scripts and appointments; simply collect your sample

from home in minutes, mail it in and receive secure online laboratory results within 5 days.

LetsGetChecked offers a range of over 30 tests, including women’s health, men’s health, sexual health, and wellness.

Click here to learn more


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Free National Restaurant Association Pharmacy Discount Card

This free pharmacy discount card helps employees save up to 75% (average savings of 40%) on all FDA-approved prescription medications.

Accepted at more than 62,000 pharmacies nationwide.

Cards are pre-activated and easy to use; privacy is protected.

There are no costs for using this card.

Each time a card is used, the National Restaurant Association Educational Foundation and its state partners receive a portion of the proceeds.

Administered through OptumRx®. This discount card program is not insurance.

Get your own card here: http://perks.optum.com/hospitalityrx

Contact Elisabeth Lawrence at elawrence@uhc.com