Part of the Affordable Care Act’s mission was to create more health insurance options available to more Americans. Several changes were made to what must be covered in all plans, how premiums are calculated and the ways you can shop for a health insurance plan. More choices mean more decisions to make, including where to […]
Read more
If you or a family member have to undergo a medical procedure, you’re probably already feeling stressed. When an unexpected medical bill arrives afterward, it can feel like the last straw. Especially if it’s an “out-of-network” bill from an “in-network” provider. Read on to learn how to avoid these extra charges if you can, and how to […]
Read more
Let’s say you’re one of the 12 million people who signed up for health insurance during Open Enrollment. You completed your eligibility application and enrolled in a health plan. Then, several months later, your family moves to another city. You might already know you need to report your new address to the Marketplace. But what […]
Read more
You have some control over the quality of the medical care you receive. If you invest time in becoming a participant in your own treatment, rather than a passive recipient, you’ll experience better outcomes. Here are five basic tips to get you started: Don’t Keep Secrets From Your Doctor You may try to maintain a […]
Read more
When you sign up for a Marketplace plan, one of the first steps you take is choosing your primary care provider (PCP). This practitioner is your ally, your first stop for all your nonemergency healthcare needs and usually your gateway to specialty care. Here are a few helpful questions you can ask yourself as you […]
Read more
With the Affordable Care Act came new and expanded options for more Americans to have access to essential health insurance benefits, either through Medicaid or the Health Insurance Marketplace. According to figures released by the Centers for Medicare & Medicaid Services, at the end of 2015, nearly 72 million people were enrolled in either Medicaid […]
Read more
The Medicaid Gap refers to a situation that came in some states as the Affordable Care Act went into effect in 2013. Folks who earn between 138 – 400% of the Federal Poverty Level in affected states are not covered by Medicaid. Additionally, they are not eligible for Marketplace subsidies. This means it’s more challenging to find quality, […]
Read more
When you or your family, including your spouse, children or other dependents, don’t have health insurance that meets the minimum essential coverage requirements, then you might find yourself facing penalties at tax return time. This tax provision goes by many names, including individual shared responsibility payment, individual mandate penalty, and ACA fine. This requirement also has […]
Read more
Choosing the best metal level (ie bronze, silver, gold or platinum) for your needs is critical when it comes to health insurance benefits and savings. Metal levels directly impacts your total healthcare costs throughout the year. To understand what this all means, let’s first define a few things. First, a metal level: Depending on how […]
Read more
Health insurance is important. When you have coverage you can easily receive routine checkups, fill prescriptions, visit a specialist, or take care of anything more serious. However, if you’re looking to enroll in health insurance outside of Open Enrollment, you don’t want to have to wait. In this article, we’re going to go over how Open […]
Read more