Why Should I Have to Pay a Deductible Twice?
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If your medical treatment extends over two policy periods you’ll have to meet the deductible twice, even if it’s for the same condition.
About Health Insurance
Just Got out of Prison, How Do I Get Health Insurance?
When you get out of prison you qualify for a special enrollment period in the Health Insurance Marketplace, or may qualify for Medicaid based on income.
Why Do I Need a PCP Referral for My Dermatologist?
In a Health Maintenance Organization (HMO) you’ll typically need a referral from a primary care physician (PCP) to see a dermatologist.
Can I Apply for ObamaCare in Another State?
You can only apply for coverage in a state you reside in. You can however get a multi-state plan if you want coverage outside your state.
Can I Get Obama Care if I Already Have Insurance?
Generally you can only get cost assistance through ObamaCare’s Health Insurance Marketplace if you don’t have other coverage options.
How Do I Get Coverage Before I Get My Card?
If you have coverage, but don’t have your card yet, call your insurer and get the information. You’ll need your member ID, group number, and insurer at least.
When Can I Add a Dependent to My Insurance?
A dependent can be added to coverage during open enrollment or a special enrollment period, this is the same for a spouse.
Does My Insurance Need to Cover Me Out-of-State?
Only multi-state plans cover you outside of your state. Other than that only emergency services and drugs are covered.
How to Pay Health Insurance Premium?
In most cases can pay your premium through the Marketplace, or through your insurer. Payments can be made online, by the mail, or over the phone.
Why Are Deductibles So High?
One of the ways that premiums can be affordable, and plans can be comprehensive, is by having rather high deductibles. The PPACA limits all deductibles
Do I Need ObamaCare with My Veterans Coverage (VA)?
Veterans coverage (Veteran’s health care program) counts as Minimum Essential Coverage under ObamaCare so you don’t need to get other coverage.
Can I Get Marketplace Coverage in the US Virgin Islands?
I currently live in the US Virgin Islands and I see there is no coverage option here however, I used to reside in NY and have a family address there. Can I qualify for coverage?
What are Health Insurance Networks?
How Health Insurance Networks Work With Health Insurance The general types of networks are HMOs and PPOs. A given provider will then either be “in-network” or “out-of-network” for a given plan. You and your insurer save money by using “in-network providers.” You’ll almost always have different cost-sharing when you use a provider “out-of-network,” so you’ll… Read More
What Are Covered Benefits?
Covered benefits are the items your plan covers with cost sharing in it’s network. Uncovered benefits, or covered benefits out-of-network cost more. ObamaCare’s Essential Benefits vs. Covered Benefits Under the ACA all major medical plans must offer at least one covered service from ten categories of essential health benefits. That makes all essential benefits covered… Read More
Multi-State Health Plans
Everything You Need to Know About Multi-State Health Plans If you travel out-of-state often, you may want a multi-state health plan through the Health Insurance Marketplace. Most plans are regional, so consider a multi-state plan even if you only plan to travel between two states. Ask this youtube video on “tricky plan issues” explains, you… Read More
Platinum Plan
ObamaCare’s Platinum Plan is a type of Metal Plan on the Health Insurance Marketplace. Platinum Plans qualify for Tax Credits and have the highest premiums. Other Metal Plans include Bronze, Silver, and Gold. Also, a Catastrophic Plan is available to young adults and to some people with hardship exemptions. Platinum plans have the highest premiums and the lowest cost-sharing. They only make… Read More
Gold Plan
ObamaCare’s Gold Plan is a type of Metal Plan on the Health Insurance Marketplace. Gold Plans qualify for Tax Credits, have high premiums, and generous cost-sharing. Other Metal Plans include Bronze, Silver, and Platinum. Also, a Catastrophic Plan is available to young adults and to some people with hardship exemptions. Gold plans mean higher premiums, less Tax Credits, but much… Read More
Bronze Plan
ObamaCare’s Bronze Plan is a type of Metal Plan on the Health Insurance Marketplace. Bronze Plans qualify for Tax Credits and have low premiums. Other Metal Plans include Silver, Gold, and Platinum. Also a Catastrophic Plan is available to young adults and to some people with hardship exemptions. All plans offer basic benefits and minimum cost-sharing, Bronze Plans tend… Read More
Silver Plan
ObamaCare’s Silver Plan is a type of Metal Plan on the Health Insurance Marketplace. Silver Plans qualify for both Tax Credits and Cost-Sharing subsidies. Other Metal Plans include Bronze, Gold, and Platinum. Also, a Catastrophic Plan is available to young adults and to some people with hardship exemptions. HealthCare.Gov, or your state’s Marketplace in states that don’t… Read More
Health Plan Types: HMO or PPO?
Understanding the difference between HMO Health Maintenance Organization and PPO Preferred Provider Organization health plan types helps you compare plans to get the right coverage for you and your family. You can learn about the less common EPO Exclusive Provider Organization plans here. Under ObamaCare most plans are either HMOs or PPOs. Knowing which one is… Read More
Health Insurance Quotes
Get health insurance quotes and find out if you qualify for cost assistance from CMS approved brokers and on HealthCare.Gov. Below we will discuss the best ways to get health insurance quotes (HINT: Start at ObamaCare’s Health Insurance Marketplace sometimes called “the Marketplace” AKA HealthCare.Gov). We’ll also give you lots of helpful advice to help ensure you get… Read More
Health Insurance Coinsurance
What is Health Insurance Coinsurance? In health insurance, coinsurance is your share of costs of the allowed amount for a covered service after you reach your deductible. Coinsurance is different from a copay which is a fixed dollar amount for services and is not typically dependent on meeting your deductible. How does Coinsurance Work? Each service or drug that is subject… Read More
Health Insurance Copay (Copayment)
What is a Health Insurance Copay? In health insurance a copay (copayment) is a fixed amount you pay for covered services, typically when you get the service. Copays differ from coinsurance (the percentage you pay for covered services, usually after reaching your deductible). Each plan treats copays and coinsurance differently, so it’s important to understand if… Read More
Health Insurance Deductible
What is a Health Insurance Deductible? Your health insurance deductible is the amount you have to pay out-of-pocket for covered services before your insurance begins to pay. It doesn’t include premiums or costs that aren’t covered by your plan. Once you meet your deductible, your plan will pay its share of your coinsurance. TIP: Your maximum deductible… Read More
Health Insurance Premium
What is a Health Insurance Premium? Your health insurance premium is the amount paid to an insurer, typically per month, for a health plan. Tax Credits are available to lower monthly premiums through the Health Insurance Marketplace. If you have coverage through work, your employer typically pays part of your premium. Let’s look a little more… Read More