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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.


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 to schedule an appointment to renew your plan, look at new options, or purchase coverage for the first time.


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