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
Under ObamaCare when studying abroad you can get a PPO with coverage outside of the US, a student health plan, an employer plan, or some foreign insurance to avoid the fee, travelers insurance won’t avoid the fee.
If you need a specific drug you should contact insurers that sell plans in your region and find out what plans sold on the Marketplace cover it.
Missionaries living outside of the US for more than 330 days in a 12 month period are not required to get coverage but can get coverage.
When you move to a new state you can enroll up to 30 days before the actual move so your new coverage starts on or close to the date the old coverage ends. This helps avoid a gap in coverage.
You can switch plans mid-treatment but cost sharing doesn’t carry over from plan to plan so in most cases you should stick with the plan you are on until the end of the policy period.