Switching Healthcare Coverage: Navigating The Transition From Commonground To Molina Healthcare Plans

how to change commonground insurance to molina

Common Ground Healthcare Cooperative and Molina are both health insurance companies. Common Ground is a non-profit organisation governed by its members, while Molina is a for-profit company. If you are looking to change your insurance from Common Ground to Molina, you will need to contact Common Ground to inform them that you want to cancel your plan. You can do this by calling their customer service line at 877-514-2442 or by mailing them at 120 Bishop's Way, Suite 150, Brookfield, WI 53005. You will also need to sign up for a Molina plan. You can do this by visiting the Molina website, calling their sales team at 855-494-2667, or going through Healthcare.gov. Keep in mind that you can only sign up for a new plan during the open enrollment period, which runs from November 1 through December 15 every year, unless you qualify for a special enrollment period.

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How to change Common Ground Healthcare Cooperative insurance to Molina during open enrollment

Open enrollment is a specific time period each year when individuals and families can enroll in or make changes to their health insurance benefits. This is for individuals and families who purchase plans on their own, not through an employer. The only other time changes can be made to individual and family plans is if you experience a qualifying life event (QLE). A QLE is defined as a change in your living situation that can make you eligible for a special enrollment period, allowing you to enroll in or update your health insurance outside the regular open enrollment timeframe, but within a specified time surrounding the QLE.

The 2024 individual and family health insurance open enrollment period is from November 1 to January 15 in most states. To change your Common Ground Healthcare Cooperative insurance to Molina during this period, you can follow these steps:

  • Research Molina: Visit Molina's website or contact their customer service team to understand their plans, benefits, and whether your preferred doctors and hospitals are included in their network.
  • Compare Plans: Compare the benefits and costs of Molina's plans with those of Common Ground Healthcare Cooperative. Consider factors such as monthly premiums, deductibles, copays, and coinsurance costs.
  • Understand the Process: Visit the Common Ground Healthcare Cooperative website or contact their sales team to understand the steps required to change your insurance during open enrollment. They can guide you through the process and provide information on any necessary forms or documentation.
  • Enroll in Molina: Once you have completed your research and comparison, enroll in the Molina plan that best suits your needs. Provide any necessary information and ensure that your enrollment is confirmed by Molina.
  • Cancel Common Ground Healthcare Cooperative: Contact Common Ground Healthcare Cooperative to inform them of your decision to switch insurance providers. Follow their procedures for canceling your current plan, ensuring that you understand any consequences, such as coverage termination dates and potential fees.

By following these steps during the open enrollment period, you can change your insurance from Common Ground Healthcare Cooperative to Molina. Remember to carefully review the details of both insurance providers' plans to make an informed decision that aligns with your healthcare needs and budget.

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How to change Common Ground Healthcare Cooperative insurance to Molina outside of open enrollment

Common Ground Healthcare Cooperative (CGHC) is a nonprofit, member-governed healthcare cooperative with no corporate shareholders. It offers ACA-compliant health plans, including individual and family plans and small business health plans.

Open enrollment is a specific time period each year when individuals and families can enroll in or make changes to their health insurance benefits. This is for individuals and families who purchase plans on their own, not through an employer. The open enrollment period for 2024 individual and family health insurance is from November 1 to January 15 in most states.

The only other time changes can be made to individual and family plans is if you experience a qualifying life event (QLE). A QLE is a change in your living situation that can make you eligible for a special enrollment period, allowing you to enroll in or update your health insurance outside the regular open enrollment timeframe but within a specified time surrounding the QLE. QLEs include:

  • Birth/adoption of a child
  • Move to a new location
  • Involuntary loss of previous coverage

If you experience a QLE, you may be able to change your CGHC insurance to Molina outside of the open enrollment period. To do this, you can contact CGHC's Member Services at 877.514.2442 or email them at [email protected]. You can also schedule an appointment by emailing [email protected] or calling Member Services.

It is important to note that you may have limited buying options if you do not enroll in a health insurance plan by the end of the open enrollment period.

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How to change Common Ground Healthcare Cooperative insurance to Molina if you have a qualifying life event

If you have Common Ground Healthcare Cooperative insurance and experience a qualifying life event, you can switch to Molina Healthcare by following these steps:

First, it's important to understand what constitutes a qualifying life event. Common Ground Healthcare Cooperative defines these events as significant life changes that may include losing health coverage, getting married, having or adopting a child, losing a dependent, gaining citizenship, moving your residence, divorcing, or having a change in income. These events typically allow for a special enrollment period, which is usually only available for 60 days after the life event occurs.

To initiate the switch to Molina Healthcare, start by contacting the Common Ground Healthcare Cooperative member services team. You can reach them by phone at 877-514-2442 or by email at [email protected]. Their operating hours are Monday to Friday, 8:00 am to 5:00 pm, excluding certain holidays. During your conversation, inform them about your qualifying life event and your intention to change insurance providers. They will guide you through the necessary steps and provide any required forms or documentation.

Next, gather the necessary information and documents. This may include personal identification, proof of your qualifying life event, and details of your current coverage. You may also need to provide information about your desired Molina Healthcare plan.

After you have gathered the required information, you can proceed to enroll in a Molina Healthcare plan. You can do this by visiting the Molina Healthcare website or contacting their customer service team. They will be able to assist you in selecting the right plan for your needs and completing the enrollment process. Make sure to have your payment information ready, as you may need to make an initial payment to secure your new coverage.

Once your enrollment with Molina Healthcare is complete, don't forget to cancel your previous coverage with Common Ground Healthcare Cooperative to avoid any unnecessary charges. Contact their member services team again and inform them of your intention to cancel. They will guide you through the cancellation process and any necessary paperwork. Provide them with any required information or documentation to finalize the cancellation.

By following these steps, you should be able to successfully change from Common Ground Healthcare Cooperative insurance to Molina Healthcare after experiencing a qualifying life event. Remember to act promptly, as special enrollment periods are typically time-limited.

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How to change Common Ground Healthcare Cooperative insurance to Molina if you are a dependent

If you are a dependent looking to change your insurance from Common Ground Healthcare Cooperative to Molina, there are a few steps you can take. Firstly, it is important to note the open enrollment period for Molina, which is from November 1 to December 15 every year. During this period, you can purchase a Molina plan directly through their website, by phone, or through an insurance agent or broker. If you have missed the open enrollment period, you may still be able to enroll if you have had a significant life event that qualifies you for a special enrollment period. This could include losing health coverage, getting married, having a baby, losing a dependent, gaining citizenship, moving your residence, or having a change in income. You can call Molina's sales department at 855-494-2667 to find out if you are eligible for a special enrollment period.

Once you are enrolled in a Molina plan, you will need to discontinue your coverage with Common Ground Healthcare Cooperative. You can do this by contacting their Member Services at 877-514-2442 or by mailing them at the following address: Common Ground Healthcare Cooperative, 120 Bishop's Way, Suite 150, Brookfield, WI 53005. Be sure to include your name, policy number, and the date you want your coverage to end in your request.

Additionally, if you have purchased your Common Ground Healthcare Cooperative health insurance through Healthcare.gov, you are required by law to report any address or life changes to Healthcare.gov before Common Ground Healthcare Cooperative can update their records. You can do this by visiting the Healthcare.gov website or by calling their customer service line.

Finally, to ensure a smooth transition to your new insurance plan, it is important to keep track of your payment and coverage dates. For example, if you enrolled in a Molina plan between November 1 and December 15, your health insurance coverage will begin on January 1 of the following year. Similarly, if you enrolled between December 16 and January 15, your coverage will start on February 1. Molina will send out ID cards approximately 26 days after your coverage begins. In the meantime, you can view and print a temporary ID card by logging into your MyMolina online member account.

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How to change Common Ground Healthcare Cooperative insurance to Molina if you are a full-time student

If you are a full-time student and want to change your Common Ground Healthcare Cooperative insurance to Molina, there are a few steps you need to take. Firstly, you should be aware that you can only enrol during the open enrolment period, which runs from November 1st to December 15th every year. During this period, you can purchase a Molina plan directly through their website, by calling their sales team, through an insurance agent, or via Healthcare.gov. If you have missed the open enrolment period, you may still be able to enrol if you qualify for a special enrolment period, which can include life events such as losing health coverage, getting married, having a baby, or changing your income.

Before enrolling in a Molina plan, you should also consider the following:

  • Compare Molina's provider network with your current doctors and hospitals to ensure they are in-network with Molina.
  • Review the benefits and services offered by Molina to ensure they meet your needs. You can do this by logging into the MyMolina online member portal and viewing your personalized benefit information.
  • Understand the payment options and due dates offered by Molina to ensure you can make payments on time.

Once you have considered the above and decided to switch to Molina, you will need to take the following steps:

  • Discontinue your coverage with Common Ground Healthcare Cooperative. You can do this by contacting their member services team using the telephone number on the back of your ID card.
  • Enrol in a Molina plan, as outlined above.
  • Set up your MyMolina online member account to manage your coverage and access various tools and resources.
  • Update your address or contact information, if necessary, by contacting the relevant state health insurance exchange.
  • If you are receiving a tax credit for your coverage or have purchased health insurance through Healthcare.gov, you must report any address or life changes to Healthcare.gov before Common Ground Healthcare Cooperative can update their records.

By following these steps, you will be able to change your Common Ground Healthcare Cooperative insurance to Molina as a full-time student.

Frequently asked questions

If you have purchased health insurance through Healthcare.gov, you are required by law to report any address changes to Healthcare.gov. Common Ground Insurance cannot update your records until the federal Marketplace updates its records. If you purchased your health insurance directly with Common Ground Insurance, you can mail or email your address change information to them.

You can change your coverage to Molina by visiting the Molina Marketplace website and seeing if you qualify for financial assistance. You can also call one of their Certified Enrollers to help you apply over the phone.

Common Ground Insurance is a nonprofit organization that is governed by its members. They have no motivation to raise prices to make more money. Molina is a for-profit company, and while they aim to keep premiums low, premiums may increase depending on family size and/or income.

If you do not pay your Common Ground Insurance premium on time, you will enter a grace period. During this time, you will be responsible for the cost of any health claims, and your prescriptions will not be paid for until your account is up to date.

If you do not pay your Molina premium on time, you will enter a grace period. The length of the grace period depends on whether or not you are receiving a tax credit for the purchase of insurance. If you are not receiving a tax credit, you will be given 31 days to bring your account up to date. If you are receiving a tax credit, Molina will continue paying for covered claims in the first 30 days of your grace period.

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