Meeting Your Health Insurance, Life Insurance, and Investment Needs
EMPLOYER GROUP INSURANCE & EMPLOYEE BENEFITS INFORMATION:
Please contact David A. Marcus & Associates, Inc. to speak with a licensed insurance agent for any inquiries or assistance related to group health insurance and employee benefits for small and large employers.
INDIVIDUAL & FAMILY HEALTH INSURANCE INFORMATION:
David A. Marcus & Associates, Inc. is certified to offer and assist with Affordable Care Act (ACA) policies, as well as subsidized Obamacare/Marketplace Exchange policies for individuals under the age of 65.
David A. Marcus & Associates, Inc. offers the following types of insurance policies through various insurance companies and carriers.
Temporary (short term) Health Insurance
International & Travel Medical Insurance
Individual Dental and Vision Insurance
Accident, Critical Illness, and Doctor/Hospital Indemnity Insurance
Life/AD&D Insurance
Short Term and Long Term Disability Insurance
If you wish to obtain more information on these services or request a quote, please contact our office at 847-945-8711 or via email at Zmarcus@dam-inc.com and a licensed insurance agent will assist you.
How do I apply during the Annual Open Enrollment Period for an Individual Affordable Care Act (marketplace) health insurance plan?
The annual Open Enrollment Period for 2022 runs from November 1, 2021 through January 15, 2022. This normally runs until December 15th each year, but has been extended for 2022. This is the only timeframe provided to apply for a 2022 ACA health insurance plan unless you qualify for a Special Enrollment Period due to a Qualifying Life Event (QLE).
Outside of open enrollment, you can only enroll in new coverage if you qualify for a Special Enrollment Period (SEP) due to a Quallifying Life Event (QLE) such as birth/adoption of a child, marriage/divorce, involuntary loss of individual/employer health insurance or cobra benefits, dependent turning age 26, a loss of or change in income, etc.
Please contact our office to determine if you qualify for a SEP.
If you wish to obtain quotes and apply for an individual medical insurance plan directly with BCBSIL, please click on the link below to be taken to the BCBSIL website. David A. Marcus & Associates, Inc. will automatically be assigned as the broker on the policy if you applying using the link below.
Subsidy Information For Individual Marketplace Exchange Policies:
Please go to the marketplace by clicking on the link above to determine eligibility and subsidy status, and to apply. You will need to login if an existing user or register an account if a new user. Then you may begin a new application or update an existing application.
If you would like David A. Marcus & Associates, Inc. to be assigned as your insurance broker on your policy, please indicate that you are working with an agent/broker when asked if someone is assisting you, and provide the following information when prompted:
Type: Agent/Broker
Agent/Broker Name: David A. Marcus
Agency Name: David A Marcus & Associates, Inc.
National Producer Number (NPN): 323635
*IMPORTANT: If you received subsidy for the current 2021 plan year, please note that you will need to re-apply/update your application for the 2022 plan year, or you will risk losing any subsidy that you received. You should also update your application throughout the year if you have a change in household income, or if your demographics/contact information has change.
Frequently Asked Questions:
If I do not want to get quotes or apply online, what other options are available?
Please contact our office to obtain a quote and a paper application.
What is Pediatric Dental? Do I have to elect it or can I waive it?
This is an Essential Health Benefit that must be covered under Affordable Care Act health plans for children under the age of 19. Some carriers have this benefit embedded into their medical benefits, while others have the option to purchase or decline separately. If you choose to waive this benefit without having compliant Pediatric Dental coverage, you may be subject to a penalty.
Contact David A. Marcus and Associates, Inc. and speak with an associate if you have any questions, need assistance, or would like additional information.