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Ways to Secure Comprehensive Coverage - Right Now!

on Fri, 02/21/2014 - 11:14am

For the last 6 months, there has been a lot of news surrounding the opening of the state - based marketplaces (also known as exchanges) as a new way to purchase health insurance associated with the Affordable Care Act. In addition, widespread discussion surrounding the challenges that many of the marketplace websites have experienced have made people more confused about what options they actually do have to secure coverage. Here are a few ways that you can secure comprehensive coverage right now!

Recently Announced Delays Related to the Small Business Insurance Requirements

on Fri, 02/14/2014 - 6:05pm
The Obama Administration has very recently postponed a requirement until 2016 that all mid-sized employers (50-99 employees) offer health insurance to those employees who work at least 30 hours a week. This mandate was previously delayed until 2015. Also larger employers (100 or more) will only have to provide insurance to 70% of their full-time employees in 2014 and 95% in the next year. This extension has implications for both employers to make the transition and individual employees who would otherwise have benefited immediately from this mandate.

Subscribe to Receive Updates on Health Insurance Marketplaces Through HealthCare.gov

on Fri, 08/02/2013 - 4:17pm

On October 1, the Health Insurance Marketplaces will open in each state and the District of Columbia, and consumers will have the ability to research, compare and enroll in health insurance plans to meet their needs.  As part of the application process, consumers will be provided with information about eligibility for premium insurance tax credits to help pay for premiums.  By subscribing for email or text updates, it will be easy to stay informed about the Marketplace in your state.

More Support for Consumers with Questions on Marketplaces

on Wed, 07/03/2013 - 6:43pm

As the countdown to the opening of the state Health Insurance Marketplaces continues, new resources are available to consumers.  The healthcare.gov website has been re-branded to focus specifically on helping educate individuals and small businesses about the Health Insurance Marketplaces launching in October.

I Already have Insurance through my Work – Can I Still Purchase a Policy through my State’s Marketplace?

on Mon, 06/03/2013 - 3:53pm

Yes, you may purchase health insurance through a Marketplace instead of through your employer.  However, if you purchase health insurance through a Marketplace instead of through your employer, you will no longer receive employer contributions toward your health insurance premiums and you will not be eligible for the Premium Insurance Tax Credit or for assistance with your cost-sharing obligations, regardless of your household income and/or size, if the health insurance offered through your employer is deemed ‘affordable’ (less than 9.5 percent of your annual household income for 2014

What happens if I choose not to purchase health insurance?

on Tue, 05/28/2013 - 7:48pm

If you do not purchase insurance, you may be required to pay an annual penalty if you are uninsured for 3 months or more in a given year. In 2014, the total amount of the penalty is $95 per adult and $47.50 per child, with a maximum penalty of $285 per family, OR one percent of family income, whichever is greater.

In 2015, the penalty is $325 per adult and $162.50 per child, with a maximum penalty of $975 per family, OR two percent of family income, whichever is greater.

Preventive Care under the Affordable Care Act

on Tue, 05/14/2013 - 3:17pm

The Affordable Care Act includes many new measures that will improve patients' health, including the requirement that all insurance plans, including Medicare, cover many preventive services at no out of pocket cost to the patient. 

Preventive services include things like vaccinations, annual wellness visits, and mammograms.  

For more information on which services will be covered, please visit www.healthcare.gov.

Health Insurance Marketplaces – What are they?

on Wed, 01/23/2013 - 4:00pm

You’ve probably been hearing about healthcare exchanges quite a bit in the news lately; so much in fact that it is probably confusing and overwhelming. Referred to as “Exchanges” or most recently rebranded as “Health Insurance Marketplaces”, the media coverage and attention given to these upcoming patient tools is likely to increase in 2013, so getting a basic understanding of what’s coming can be helpful whether you currently have an active insurance policy or not.

Can Patients Change Insurance Plans During the Course of Treatment Without Pre-Existing Exclusions?

on Mon, 08/20/2012 - 12:00pm

Beginning in 2014, the Affordable Care Act prohibits insurance company denials for patients with pre-existing conditions.  Patients will no longer be denied, or charged a higher premium, simply because they have a health condition.  In addition, caps on annual and lifetime benefits will be removed, which means that plans will not be able to stop paying for services you need.

Does the ACA Dictate Which Services are Considered Preventative?

on Fri, 05/11/2012 - 9:00am

Group health plans are prohibited from imposing cost-sharing requirements for the recommended preventive services when those services are provided by in-network providers. If your insurance coverage went into effect after March 23, 2010 (the date the Affordable Care Act was signed into law) the full cost of preventative care such as preventative colonoscopies should be covered.

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