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Hurricane Nate: Berkshire Hathaway Vacation Protection Alert

Please be advised that Hurricane Nate falls within Berkshire Hathaway Vacation Protection guidelines, policy terms and conditions as inclement weather and potentially a natural disaster.

The NOAA National Hurricane Center declared Nate a named hurricane on Wednesday October 7, 2017.

Policies purchased prior to October 7, 2017 may cover the event. Benefits will only be paid for losses occurring within 14 days after the named hurricane makes the destination uninhabitable or inaccessible. Policies purchased after the date and time of the naming of Hurricane Nate will not qualify for coverage related to this storm.

For more information on the status of Nate and other storms, please refer to: http://www.nhc.noaa.gov/

Please note that terms and conditions may vary by program; please refer to the actual policy. All claims should be adjudicated on their own circumstances and merits.

Please let us know if you have any concerns or questions. Thank you.

Hatteras Island Mandatory Evacuation

Mandatory Evacuation Issued for Visitors on Hatteras Island

In response to hurricane Maria, Dare County North Carolina has issued a mandatory evacuation order for Hatteras Island visitors effective today, September 25, 2017.

The Dare County Control Group met this morning and has declared a state of emergency for Dare County, issuing a mandatory evacuation for all Hatteras Island visitors effective at 12 noon today. Visitors on Hatteras Island should pack all of their belongings and depart as soon as possible, before conditions deteriorate and driving becomes hazardous. Be sure to communicate with your accommodations provider before leaving.

To read the complete notice, click here.

Berkshire Hathaway Vacation Protection: List of Foreseen Events

Berkshire Hathaway has announced the following updates to its list of recent foreseen events.  For purchases made after the date indicated, coverage for the specific foreseen event will not apply:

  • Chiapas Earthquake – 9/8/7
  • London Subway Explosion – 9/15/17
  • Hurricane Maria – 9/17/17
  • Mexico City Earthquake – 9/19/17

For policy questions or to file a claim for Berkshire Hathaway Travel Protection, Berkshire Hathaway Vacation Protection, or Berkshire Hathaway Vacation Protection – CFAR, see the below contact information:

IMPORTANT TELEPHONE NUMBERS

For Claims questions: 1 (855) 487-1745 (5am-11pm CST 7 days a week)

For Policy & Coverage questions: 1 (844) 716-8413 (24 hours, 7 days a week, 365 days)

Hurricane Irma: Berkshire Hathaway Travel Protection Coverage Alert

Please be advised that Hurricane Irma falls within Berkshire Hathaway Travel Protection guidelines, policy terms and conditions as inclement weather and potentially a natural disaster.

The NOAA National Hurricane Center declared Irma a named hurricane at 11AM AST on Thursday August 31, 2017.

Policies purchased prior to 11AM AST Thursday August 31, 2017 may cover the event. Benefits will only be paid for losses occurring within 14 days after the named hurricane makes the destination uninhabitable or inaccessible. Policies purchased after the date and time of the naming of Hurricane Irma will not qualify for coverage related to this storm.

For more information on the status of Irma and other storms, please refer to: http://www.nhc.noaa.gov/

Please note that terms and conditions may vary by program; please refer to the actual policy. All claims should be adjudicated on their own circumstances and merits.

Please let us know if you have any concerns or questions. Thank you.

Hurricane Jose: Berkshire Travel Protection Coverage Alert

Please be advised that Hurricane Jose falls within Berkshire Hathaway Travel Protection guidelines, policy terms and conditions as inclement weather and potentially a natural disaster.

The NOAA National Hurricane Center declared Jose a named hurricane at 5pm AST on Wednesday September 6, 2017.

Policies purchased prior to 5pm AST Wednesday, September 6, 2017 may cover the event. Benefits will only be paid for losses occurring within 14 days after the named hurricane makes the destination uninhabitable or inaccessible. Policies purchased after the date and time of the naming of Hurricane Jose will not qualify for coverage related to this storm.

For more information on the status of Jose and other storms, please refer to: http://www.nhc.noaa.gov/

Please note that terms and conditions may vary by program; please refer to the actual policy. All claims should be adjudicated on their own circumstances and merits.

Please let us know if you have any concerns or questions. Thank you.

United Healthcare Makes Changes re Certificates of Credible Coverage

 

ACA Impact on CoCC Requirements

The Affordable Care Act eliminated the use of pre-existing condition exclusions for individuals of all ages for plan years beginning on or after January 1, 2014. Group health plans and issuers, however, were required to continue to issue HIPAA Certificates of Creditable Coverage (CoCCs) for the duration of 2014 since a plan year can begin late in the calendar year (as late as December 31).

Elimination of CoCC for Terminating Members

Because 2014 will soon be coming to a close, generation of HIPAA Certificates of Creditable Coverage (CoCC) upon member termination will no longer be necessary because the pre-existing condition limitations are fully eliminated in 2015.

UnitedHealthcare is taking the following approaches to provide a smooth transition for customers and members:

  • For self-funded customers, where we deliver HIPAA CoCC letters on their behalf, these letters will be discontinued as of Jan. 1, 2015. Member requests for ‘proof of lost coverage’ can be accommodated via our member call center.
  • For fully insured customers, letters will still go out. The existing CoCC letters are being modified as of Jan. 1, 2015 to remove references to pre-ex and instead of communicating as a ‘certificate of creditable coverage’ the letter will communicate ‘proof of lost coverage’ – these notices will include applicable state mandate information.

CoCCs as Proof of Prior Coverage Still Available

It is important to note that the process to support ad-hoc member requests for ‘proof of current coverage’ on active members is not changed as part of this transition.   

Some self-funded clients and large fully insured clients send their own HIPAA CoCCs.   These clients may discontinue notices that are specifically for HIPAA portability purposes.

 

ACA enrollment for Small Business – Myrtle Beach area.

Attention Small Businesses in the following places:

Myrtle Beach, North Myrtle Beach, Surfside Beach, Murrells Inlet, Pawleys Island, Georgetown, Carolina Forest, and Conway.

Sandhills Insurance Group is partnering with small business in the local area to conduct informational meetings and enrollment meetings for individuals who need affordable coverage.

Thanks to the Affordable Care, aka ACA and “Obamacare,” plans are available for nearly all income levels.  Subsidies make plans affordable for individual workers making as little as $11,670!

Sandhills Insurance Group agents are CMS approved, licensed, and appointed with BlueCross BlueShield of SC, BlueChoice Health Plan, Consumer’s Choice, Assurant Health, and United Healthcare.

Community response has been huge!  Sandhills is currently conducting enrollments on site at numerous local companies.

Email info@sandhillsinsurancegroup.com to schedule an appointment or request more information.

Open Enrollment – Instructions for Renewing Coverage

Renewal Process for November 15, 2014 through February 15, 2015

Renewing your coverage is easy with Sandhills Insurance Group.

 

Keeping your current plan

If you are happy with your current plans and do not want to make changes or are not receiving financial assistance, all you need to do is pay their January premiums as billed.

Sandhills Insurance Group is dedicated to helping those who are experiencing a life change or receiving financial assistance. Contact us to re-determine your eligibility with the Federally Facilitated Marketplace (FFM) starting November 15, 2014. This will ensure that you are able to take full advantage of the maximum financial assistance available to them.

GENERAL RENEWAL INFO

Members can re-determine their eligibility for financial assistance and select coverage (“make changes”) to their plans any time between November 15 and February 15. For changes to take effect January 1, customers must make them between November 15 and December 15. This table outlines when changes will become effective based on when they are made.

Changes Made Between

Effective Date for Plan Changes

November 15 – December 15

January 1

December 16 – January 16

February 1

January 16 – February 15

March 1

Members who make changes after December 15 will keep their current plans until their 2015 effective dates. Plans will be adjusted for 2015 rates. Unless a member specifically requests that the IRS evaluates his or her circumstances during the eligibility re-determination process, Advance Premium Tax Credits (APTC) and Cost-Sharing Reductions (CSR) will remain at 2014 levels. These members will receive their January bills after December 15.

Open Enrollment Customer Fulfillment and Assets  

If a member chooses another ACA plan or has a change in status (i.e., he or she did not receive a subsidy in 2014 but qualifies for one in 2015), that person will receive a thank you package.  Members making a plan change should contact their insurance carrier to confirm billing.  If premium payments are not made in a timely manner, coverage may terminate or cancel, and new coverage may not take effect.

Sandhills Insurance Group is here for you!  

Call (843) 251-4896 or email info@sandhillsinsurancegroup.com to schedule an appointment to renew your plan, look at new options, or purchase coverage for the first time.