 No obligation to enroll. Not all plans offer all of these benefits. Availability of benefits and plans varies by carrier and location. Deductibles, co-pays, coinsurance, limitations, and exclusions may apply. Enrollment in the described plan type may be limited to certain times of the year unless you qualify for a special enrollment period. I live alone and rarely have visitors. So when I slipped and fell in the kitchen last month and couldn't get to a phone, I knew I was in trouble. Help! I could barely move. Help!