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Paying for Preventive Services such as Mammograms

on Thu, 03/29/2012 - 8:00am

Thanks to the Affordable Care Act, many preventative services, including mammograms, are now available to patients at no additional cost.

As of January 1, 2011, a number of preventative services are covered at no cost to you under Medicare, if they are administered by a doctor or other health care provider.  Covered services include  mammograms, annual wellness visits, tobacco cessation counseling,  vaccinations, cholesterol chekcs, and certain cancer screenings.  

What is the Uniform Summary of Benefits?

on Thu, 03/15/2012 - 10:00am

As of September 2012, insurers and employers who offer health coverage will have to provide a six page form that summarizes the insurance plan, such as information about deductibles and co-pays, and costs associated with using an in-network and out-of-network medical service.

With these changes, consumers will be able to estimate their out-of-pocket cost amoung different insurance policy options, simplifying the process of evaluating health plans.

What resources exist for those who are uninsured today?

on Tue, 11/29/2011 - 12:00pm

Patients who are uninsured can seek coverage through employment, individual insurance market or state Medicaid programs.

Beginning October 1, 2013, with coverage effective January 1, 2014, consumers can also purchase insurance on the new Health Insurance Marketplace, and may qualify for premium assistance based on income.

I have Medicare, what should I know about the Affordable Care Act?

on Mon, 08/01/2011 - 7:00am
Under the Affordable Care Act there are 5 areas of importance. It makes prescription drugs more affordable. It gives you preventative care services for free. It provides incentives for your doctors to work together for you. It strengthens Medicare Advantage and it helps ensure your access to care. For more detailed information, Centers for Medicare & Medicaid Services developed an online brochure, Medicare and the New Health Care Law – What it Means for You. (PDF - 314KB).

I’m on my parents plan now, but am turning 26 soon so am scheduled to lose coverage soon. What are my options?

on Wed, 07/27/2011 - 2:00pm

Beginning October 1, 2013, you will be able to purchase insurance through your state's Health Insurance Markeplace, with coverage effective January 1, 2014.  You will be able to compare plans and choose the best coverage for your needs.  In addition, depending on your income, you may qualify for premium assistance, or subsidies.  For more information, visit www.healthcare.gov.

I am a military dependent who lost TRICARE eligibility due to age, do I qualify for insurance under ACA?

on Wed, 05/04/2011 - 9:00am
Qualified dependents who lose TRICARE eligibility and are under age 26 can purchase TRICARE Young Adult coverage based on the uniformed service sponsor’s eligibility. The premium for the 2011 calender year is $186 a month. Three months worth of premium is required when you submit your application to the regional contractor or the overseas contractor for processing. TRICARE Standard/Extra is the only plan option at this time. Cost shares, deductibles, and catastrophic caps vary based on the TRICARE plan selected and the sponsor’s status.

I just graduated from college. What are my coverage options?

on Thu, 02/24/2011 - 10:00am

If you are still under the age of 26 you could be eligible for coverage under your parents’ health care plan. Other options for coverage can be found in Health Insurance Marketplaces. 

Can my adult child be covered on my insurance?

on Thu, 12/23/2010 - 11:00am

Children can be covered by their parents' insurance up to age 26. You can check with your insurance company and see if they'll let your child join now, or if not, when an open enrollment period is.

For more information on Young Adults and coverage under their parents' plan: http://www.cms.gov/CCIIO/Resources/Files/adult_child_faq.html

My employer will be dropping spousal coverage with exception of if my spouse's employer does not offer coverage. However, my coverage is more affordable. Help!

on Mon, 11/29/2010 - 3:00pm

This at times is done to lower the cost to the employer. If this occurs and your spouse's coverage is unaffordable, you may appeal to the HR department of your employer (if the plan is self funded) and seek a waiver. However, it is not mandated for employers to offer waivers or exclusions. 

Will coverage caps be eliminated?

on Mon, 11/29/2010 - 1:00pm

The Affordable Care Act prevents insurance companies from setting a dollar limit for the length of time you're enrolled in a plan (lifetime limit) on the amount of coverage you receive for all Essential Health Benefits. In 2014, health insurance companies will also be prevented from setting annual dollar limits on Essential Health Benefits for all new plan years. 

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