Three Options For Shopping For Health Insurance under the Affordable Care Act To shop for coverage you can go direct to HealthCare.Gov for Marketplace plans, to a Marketplace approved broker for Marketplace and short term plans, or to a non-approved broker for short term plans only. In other words, there are a couple of different…
In general, if you have been enrolled in health insurance for at least one day and then lose coverage for due to losing full-time status or due to termination, you qualify for COBRA. This is true even if you elect to go from full-time to part-time or are fired.
Open enrollment is a general term for health insurance that describes the period in which you can sign up for a plan without qualifying for a special enrollment period.
Medicare for all describes a general concept of a single payer healthcare system. Right now the US has a multi-payer healthcare system, that means people pay different insurance companies but have a choice in healthcare providers. With single payer, there is one insurer, but you keep the choice in providers. Also, as the “for-all” part implies, every citizen would have access to Medicare-for-all.
You can use your HSA to pay for Medical debt any time after the HSA was opened. You cannot use your HSA to pay for debt incurred before the HSA was open.
If you cancel a plan by mistake, the best thing to do is to quickly appeal. In many cases appealing a health insurance decision or marketplace decision will lead to a resolution in favor of the customer.
What is the Difference Between a HMO, PPO, EPO, and POS? Which One Should I get HMO, PPO, EPO, and POS are all different types of health insurance provider networks offered by health plans. Of those HMO and PPO are the two most common. Below we help you understand HMOs, PPOs, EPOs, and POSs, each of…
How Can I Get Free or Low Cost Healthcare and/or Health Insurance? Free or low-cost healthcare options include marketplace insurance with cost assistance, V.A., Medicaid/CHIP, and Medicare. Sometimes people qualify for medical care because of membership in other groups or they can use clinics. TIP: If you don’t find what you are looking for, see…
Do Incarcerated Individuals Get Healthcare? Incarcerated Individuals and Marketplace Health Coverage, Private Health Coverage, Medicaid, Medicare, and SSI We explore the rights of incarcerated individuals to Medicaid, Medicare, and SSI, which provide continued care for incarcerated people after confinement. All incarcerated people have a right to medical care and attention. However, incarcerated individuals don’t have the…
About 35% of the insured in the U.S. are covered under single payer systems. The VA System, Medicare, and Medicaid/CHIP are single payer systems.
Some defenders of the AHCA (the American Health Care Act) say “what good is health insurance you can’t use due to cost?” We address this question.
EPOs (or “Exclusive Provider Organization” plans) are plans where you can ONLY use doctors and hospitals within the EPO network, but cannot go outside the network for care. With an EPO there are no out-of-network benefits.
A major medical health insurance plan generally describes any private individual or family plan sold after 2014 that follows the ACA’s new guidelines. This means it is a plan that counts as minimum essential coverage, offers the ten essential health benefits, follows guidelines for deductible and out-of-pocket maximum limits, and covers “major expenses” associated with serious illness…
Does Everyone Have to Get Coverage Under the Affordable Care Act? Under the Affordable Care Act (ObamaCare) anyone making above the tax filing threshold must obtain and maintain health insurance or an exemption throughout each year. While this is the gist, there are some important specifics that apply depending on family size, income, state, and…
Setting up auto-pay on your health plan is a smart option, but there are a few things to know first.
Typically a person would only need one policy that counts as minimum essential coverage under ObamaCare, but can have more than one if they choose.
The cheapest plan is typically $200 – $400, cost assistance caps the cost between 2% – 9.5% of MAGI. It’s rare that someone would pay over $600 for individual coverage, let alone $800.
A coverage family can include any tax dependent so a grandchild can be covered, but only if the natural parent isn’t living in the same household.
Only people who file taxes together can be covered under a family plan together, even if two people share a child or live together.
A student health plan counts as Minimum Essential Coverage for ObamaCare for ObamaCare if it’s fully insured or self insured, paying for university medical or counseling services doesn’t necessarily count as a student plan.
The key to working and getting affordable health insurance, with serious medical conditions is cost assistance and taking all available tax deductions.
To have maternity coverage in a state when moving you can enroll via special enrollment or get Medicaid. For traveling your current insurance covers emergencies.
If you are charged for covered in-network services not subject to cost sharing. Don’t pay, call your insurer and healthcare provider and have them recode and resubmit the bill to the insurer.
Most medical expenses are HSA eligible, but some things like cosmetic surgery aren’t. Since this is related to trauma or disease it should be covered.
If coverage ends due to non-payment you don’t qualify for special enrollment and can’t get a plan until next open enrollment. That doesn’t mean you have no options