Health Sharing Coverage Options If you have not heard about health share coverage options, you are not alone, but you should understand what they are and if they are good options for you and your family because many times these plans are more affordable and offer more robust coverage than alternative private and marketplace […]Read the Article
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- Healthshare plans & programs are programs where a community shares the expenses of eligible medical expenses. Instead of paying healthcare premiums, program members will send in shares of money, which is analogous what a health insurance premium is anyways. These shares of money are used to pay the medical costs of all members. It is a form of risk pooling, and insurance at its’ core is also a form a risk pooling. While people are sometimes concerned about Healthshare health programs because they are not aware of them and they are not ‘traditional health insurance’, Healthshare plans typically are very good health coverage options based on the coverage amounts, eligibility, and premiums.
- Short term insurance policies bridge the gap. The time between open enrollment is one, but there are others, and many states have extended health enrollment periods. Special enrollment periods also exist for qualifying events. A person may need short term health insurance between jobs and COBRA is too expensive or their employer provided health coverage may be expensive and inadequate. A dependent child may have turned 26 and is no longer eligible for his or her parent’s health insurance. New employees may need to wait three months or more before the group health insurance plan covers them. Short-term health insurance can protect that person while waiting for the employer’s plan coverage to start, but don’t let the name fool you, you can remain on a short-term health insurance plan for as long as you need or like.
- There was an important reason for the legislation being called the Affordable Care Act (this is what authorized Obamacare in the first place). It was difficult for people living at or below the poverty line to get affordable insurance that would cover medical expenses. It was also challenging to get the right coverage if a person had a pre-existing condition. Pre-existing conditions no longer prevent someone from having health insurance. Moreover, children may stay on their parent’s medical insurance until they reach 26 years of age. The result is that millions of people who had little or no medical protection at all are able to receive it.
- Medicare Advantage is often referred to as an all-in-one Medicare alternative. You always can have the original Medicare, which is Part A, the hospital insurance, and Part B, the medical insurance. Drug coverage would be under the Medicare Prescription Drug Plan, Part D and that is purchased separately. Medicare Advantage is Part C. It comes with both Part A and Part B in the package and, ordinarily, Part D. There are some noticeable differences between the traditional Medicare and Medicare Advantage
- Medicare Supplemental plans are also known as Medigap. Medigap is what covers expenses outside of Medicare part A(hospital insurance) and B(medical insurance). The plans are intended to help you pay for those costs that you would ordinarily cover yourself that Medicare Part A and Part B do not cover. This includes outpatient drugs. When you enroll in medicare, you will do so through your social security office and you will enroll in both Medicare part A and Medicare part B.
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Does the 2021 election affect health insurance enrollment? The 2021 election does not affect health insurance enrollment? Health insurance enrollment periods are still in effect for this enrollment period and that means when they close 12/15 at midnight, if you did not enroll you will not be able to enroll in marketplace coverage without […]Read the Article
Georgia has just been removed from healthcare.gov marketplace exchange Can I enroll in health coverage in Georgia? President Trump just ended healthcare.gov for Georgia and many people are wondering what is next for health coverage enrollment in the state of Georgia. That does not mean that there are no health coverage options in Georgia, […]Read the Article
Answers to your Health Insurance Questions
During open enrollment each year, anyone can enroll in marketplace health insurance for the upcoming year to start on January 1st. Health insurance open enrollment deadline is always December 15th. If you don’t enroll before the deadline, you need a qualifying event. Learn more about special enrollment periods and qualifying events to help navigate your search for health insurance options and regulations.
Health insurance plans have varying levels of coverage and inclusions like remote doctor 24/7 access, preventative care coverage, and even prescription coverage. Many times, prescription coverage is included, or can be added on to your plan. If you need assistance or simply want to save money on your prescriptions, contact us today.