I wanted to write and say how thankful I am for OBAMA Care!!! About 6 years ago I had gotten Toxic Shock Syndrome. This involved being in a coma for 2 1/2 weeks, kidney failure, a heart attack, and many other complications. By the time I woke from the coma, I had a pick line,… Read More
The Affordable Care Act (ObamaCare) bans insurers from denying coverage or charging more for coverage for preexisting conditions like epilepsy.
Under the ACA you can be charged a tobacco surcharge for smoking of up to 50% of your premium after subsidies, regardless of where you get coverage. Typically won’t be charged the full amount and some insurers may not charge anything at all.
If a doctor doesn’t accept ObamaCare (doesn’t accept Medicaid or a private plan you bought on the Marketplace), then they are considered out-of-network for purposes of cost sharing.
I wanted to share my story since so many people were affected by what just happened to myself and my coworkers yesterday. I was hired in as a full-time non-career employee. This meant that I had the ability to work 40 hours a week while learning about working for the State Of Michigan while I… Read More
If you switch plans mid-year what you paid toward your deductible or out-of-pocket maximum will reset. This can be avoided with a multi-state plan.
To switch to an individual plan from a family plan outside of open enrollment you need to have a qualifying life event that triggers a special enrollment period.
Last week a story went viral about a guy in South Carolina who didn’t get ObamaCare and ended up needing it.
You have until April 30, 2015 to enroll in a Marketplace plan if you don’t have coverage and would owe the fee from 2014.
You qualify for special enrollment on the day you lose coverage. The new coverage can start as early as the day you lose coverage, but you can apply early.
Short term and travel insurance are sold by private companies, they don’t count as coverage under the ACA, but if you’ll have a less than three month gap you won’t owe a fee.
If you projected a higher annual household income then you claimed, you may owe tax credits you received in advance up to the repayment limit for your income when you file 8962 at tax time.
If you go less than three months in a row without coverage or if you get covered during open enrollment, you can claim an exemption on form 8965 and avoid the fee
Social Security Disability (SSD) counts as income for getting cost assistance on the Marketplace. If your household income is between 100% – 400% of the Federal Poverty Level then you can get cost assistance.
My families health Insurance thru HEALTHCARE MARKETPLACE: BC/BS of NC has been Fraudulently CANCELLED by the Licensed Independent Agent that originally set it up in May of 2014. Background information: I contacted a recommended Authorized Licensed Agent in May of 2014 to see if my family would qualify for insurance thru the Healthcare Marketplace. We… Read More
I have spent the last ten years paying more for less coverage, till my HMO added up to a nice car payment. After losing my job for the first time in thirty years, I had no coverage. Due to the changes president Obama has made I was able to get affordable PPO insurance. One month… Read More
If you know your going to move, get a multi-state health plan. If you don’t have a multi-state plan moving qualifies you for special enrollment.
The ACA doesn’t create new dental, it just extends existing dental plans (either as stand-alone or as part of a medical plan). So nothing changes in regard to how a dentist would handle billing and claims under the ACA.
Before the ACA I was unable to get health insurance because I had a diagnosis and thus a pre-existing condition.
Employer payment plans are valid under the ACA, count as group health plans, and are subject to market reforms (no pre-exiting conditions, no dollar limits, etc).
You can use any 330 day period outside the US for ObamaCare’s travel exemption. This means you can have two exempt periods in the same year of 12 months each.
US citizens can enroll in ObamaCare’s Health Insurance Marketplace via Special Enrollment when retuning to the US after living abroad.
Those who are incarcerated are exempt from the requirement to have health coverage, once a person leaves incarceration it triggers a special enrollment period to use the Marketplace.
Under the ACA full-time status is 30 hours a week. Employers can use a look-back period of up to 12 months. Employers typically use 27 hours as a safe harbor to ensure employees qualify as part-time status.
If you are in a situation where child dental doesn’t have to be offered right away, you can buy a stand-alone dental plan yourself.