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.
Health insurance can only drop you during your policy year for non-payment, fraud, or misrepresentation. You can appeal any insurer decision.
Health insurance can only be obtained during open enrollment. This applies to coverage inside and outside of ObamaCare’s Health Insurance Marketplace.
Unmarried domestic partners may be able to share health coverage (domestic partner benefits) depending upon the state, employer, and filing status.
If you attend college you can get a Marketplace health plan with assistance or get a student health plan through your school, Medicaid may also be an option.
If ObamaCare is repealed those who get cost assistance and those with preexisting conditions could lose coverage options.
Travelers health insurance and short term health insurance can start as soon as the insurer allows after the payment is processed. This can mean getting coverage within 24 hours in some instances.
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.
If you have a plan you don’t like, for instance due to cost, you can switch plans via special enrollment or look into supplemental options. That being said for private insurance there isn’t really a supplemental option that makes financial sense.
If someone travels often inside and outside the US, but lives in the US they still need health insurance. We suggest a multi-state plan, that will cover the person no matter which state they travel in. BCBS offers multi-state plans for example. The person should also get some sort of travelers insurance for when they travel outside of the US (although that part isn’t required by law).
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.
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.
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.
If you need temporary coverage, but want minimum essential coverage that can protect you from the fee, go with a Marketplace plan.
You cannot change your health plan outside of open enrollment unless you qualify for special enrollment. Typically once you enroll in a plan you’ll need to keep it
If you enrolled in a plan and paid your premium, but don’t have your insurance card yet, you can call your insurer and collect the information you need.