If you are moving states and have lived in the country for less than 5 years or are low income you’ll want to be aware of Medicaid and CHIP eligibly in your state.
You can continue COBRA for your allotted time until you elect to obtain coverage from another source including another employer.
The coverage of a transplant depends upon insurance, but ObamaCare can help as many of it’s new protections limit costs and what one can be denied for.
If a spouse moves and thus a dependent loses coverage the other spouse can claim the dependent and use special enrollment to add them to a family plan.
If projected dips below 100% of the Federal Poverty Level and that is reported to the Marketplace then you can lose your tax credits. The same thing happens if you have over 400% FPL.
Employers must give employees at least a 30 day notice prior to recession of a health plan and a 60 day notice for material benefit changes.
Employees of a small business can be covered under a group health plan provided by the business if the business chooses to offer one, but small business owners need to get a private health plan and can’t use the group health coverage provided by the business.
In many states you don’t need an income to get Medicaid or CHIP, if your state didn’t expand Medicaid you can consult a local non-profit hospital, public hospital, or other assistance program for help.
You’ll find form 1095-C here. The 2015 draft should be released before the official version, but we don’t have an exact date on either.
Mental health, including substance abuse disorders (drug and alcohol) are covered on all non-grandfathered plans as part of ten essential health benefits.
If you have TRICARE, including TRICARE prime, it counts as minimum essential coverage and you don’t need ObamaCare coverage and can’t get cost assistance.
Your employer has to offer coverage, but you do not have to accept coverage. You can refuse coverage for a dependent or drop a dependent from the plan.
Under the Affordable Care Act (ObamaCare) there many ways to get covered including the new Health Insurance Marketplace and new Medicaid options. Those aren’t your only options, but are the only options that qualify for cost assistance.
If you didn’t get or lost your health insurance card simply call your insurer and request a copy, an insurer can tell your info and fax a copy to your doctor.
ObamaCare closes the Part D ‘donut hole’ from 2013 – 2020 lowering the amount you pay for generics and brand name drugs in the coverage gap to 25% by 2020.
If you purchase insurance during open enrollment it won’t start until the 1st of January, if you enroll after December 15 it starts February 1st.
The uninsured rate in 2008 was about 15% studies show the current rate at about 12%. Studies are based on real and survey data, so both numbers are estimates.
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.
If you or a family member have access to employer coverage they must take employer coverage and can’t get cost assistance under ObamaCare.
There is no age limit for getting a Marketplace plan, but you must be over 18 to enroll in your own plan and must not have access to Medicare.
You can only add a dependent to a family plan outside of open enrollment if they have a qualifying life event.
Free preventive services are only covered in-network. Some plans may cover part or all of the costs out-of-network, but this is an exception to the rule.
Even states that didn’t expand Medicaid or set up a Marketplace were set to have a tax on high-end health plans. That said, this tax has been pushed back many times and it may never end up being implemented.
When you move you qualify for special enrollment period, but if you have no income you should consider moving to a state that expanded Medicaid. Only states that expanded Medicaid will offer Medicaid to single adults with no income.
An employer can offer coverage to an employee and the employee can simply decline coverage. The mandate says an employer has to offer coverage, not that an employee has to accept it.