Health Insurance

Bruce Gardner Insurance Agency is certified to provide you with health insurance from Anthem HealthKeepers and the Health Insurance Marketplace. We have 8 years experience providing these services. We can also assist with Medicare Plans.

We are here for you throughout the year. If you have a question about the paperwork you receive, let us know. We can help explain these reports and letters.

Current Health News:

Extended Access Opportunity to Enroll in More Affordable Coverage through

Under the American Rescue Plan, many people who buy their own health insurance directly through the Marketplace will become eligible to receive increased tax credits to reduce their premiums. Starting April 1, 2021, consumers enrolling in Marketplace coverage through will be able to take advantage of these increased savings and lower costs.

Building on the success of the current 2021 special enrollment period (SEP) in response to the COVID-19 Public Health Emergency, and acknowledging that the COVID-19 public health emergency (PHE) continues to constitute exceptional circumstances that are sufficient to qualify individuals for an exceptional circumstances SEP, CMS will extend access to a 30-day SEP on until August 15, 2021. This action will allow individuals and families more time to access the SEP and enroll in Marketplace coverage with the increased tax credits to reduce their premiums, and for current enrollees to change plans in response to the availability of increased tax credits if they wish to do so.

Additionally, beginning in early July on, consumers who have received or have been determined eligible to receive unemployment compensation for any week during 2021 may be able to get another increase in savings when enrolling in new Marketplace coverage or updating their existing Marketplace application and enrollment. These savings will be made available starting in early July for eligible consumers and are in addition to the increased savings available to consumers on starting April 1.

To read the full HHS press release, visit:

See the fact sheet at:

2021 Special Enrollment Period for Healthcare Coverage OPEN NOW

Anthem is offering a Special Enrollment Period through the Health Insurance Marketplace from February 15 to May 15, 2021. This is an opportunity for you to get affordable coverage so nothing prevents you from seeking the treatment and services you need. Find out more.

Anthem Members Get COVID-19 Vaccination at No Cost

Anthem Members won’t have to pay out-of-pocket costs for COVID-19 vaccine during this national public health emergency. All Anthem plans also cover medically necessary COVID-19 testing and the care visit where the test takes place. Find out more details about these benefits of Individual & Family and Employer Group Plans with Anthem.

COVID-19 Frequently Asked Questions for Aetna Members:

Please bookmark this page to refer back for the most updated information for Aetna members regarding COVID-19. Aetna Member COVID-19 FAQs

Coronavirus Facts and News (COVID-19):

The recent outbreak of the Coronavirus in Wuhan, China has been all over the news. Here are a couple articles to provide you with the known facts of this illness and steps you can take to stay healthy.

Worried About the Coronavirus? Here's What You Need to Know. - Anthem

Novel Coronavirus: What You Need to Know. - Hartford Insurance

CVS Health Announces COVID-19 Resources for Aetna Members

In response to the COVID-19 outbreak, CVS Health announced a series of steps designed to support the health and well-being of Aetna members, ensure patient access to medication, and remove barriers to care. Find out what Aetna members will have access to, effective immediately: CVS Health Newsroom.

Optima Health Covers Coronavirus for Members

Optima Health is helping its members manage testing and treatment for COVID-19. See what's covered here:

Other Health News:

Attn: Virginia Employers in Anthem Balanced Funding (ABF) Small Group Plans

The 1095-B form tells how long employees had minimum essential coverage for IRS reporting purposes. Virginia employers in ABF Small Group plans have until February 28, 2020 to file these forms with the IRS.

The IRS requires that filed forms include full employee Social Security numbers (SSNs) and Employer Identification Numbers (EINs). Please check all forms to make sure they display complete SSNs and EINs before filing with the IRS. Some forms previously posted on EmployerAccess may include truncated numbers -- employers can give these to employees with no issue.

Updated 1095-B forms for all ABF Small Group plans will soon be posted on EmployerAccess. However, employers do not need to wait for these to be posted; they may manually add the full numbers before filing.

Employers can follow these instructions and re-submit corrected forms if they already filed them with incomplete numbers. The same document tells how to request a filing extension past the February 28 deadline, as needed.

Attn: Plan Update for Anthem Clients!

The following Plan Update was made available on February 24, 2020... Anthem has not reached an agreement with Pediatric Specialists of Virginia LLC. That means Pediatric Specialists of Virginia LLC will leave Anthem plans on March 31, 2020.

Because of this change, you may pay more for care from Pediatric Specialists of Virginia LLC starting April 1, 2020. See the complete list of pediatric doctors and health care facilities that are in your plans.

Anthem will continue to work with Pediatric Specialists of Virginia LLC and let you know if they reach an agreement. Get updates at Contact your sales rep with any questions.


Let's Talk Health Insurance

Individual Health Insurance Policies:

Individual health insurance policies can be purchased directly from Anthem with no income-based subsidies, or they can be purchased through the Marketplace, which offers income-based subsidies and reduced deductible limits.

The open enrollment window for both methods begins November 1, 2020 and closes December 15, 2020. “Special Enrollment” exceptions to this window apply only if you meet certain conditions, such as marriage, divorce, adoption, loss of employment, etc. These exceptions will be looked at closely.

December 15, 2020, is the cut-off day for coverage starting January 1, 2021. This is 45 days in total to enroll in health insurance coverage! Start early to avoid the rush!

Review Your Health Insurance Options:

To talk about health insurance coverages, please contact us. We are happy to help you review your options and answer your questions before you apply.

For a record of your health insurance payments from the last year, please contact your current insurance provider and ask for a Payment History Report.

Ready for the Next Step?

If we’ve already helped you review your health insurance options, please provide this information to the Marketplace representative so it can be included in your application and file:
FFM ID: BruceGardner    (with no space)
NPN: 7436916