Are you about to turn 65? If so, then you probably have Medicare on your mind. And if you don’t, well — you should! First and foremost, you should know you will NOT be automatically enrolled in Medicare on your 65th birthday. Unless you have already been collecting Social Security benefits, you will have to initiate the enrollment process yourself. So, what is involved? Understanding Medicare can be overwhelming, so
Will Healthcare.gov Be Better This Time?
Kevin Counihan, the new CEO of the Federal Health Insurance Marketplace (aka the Exchange or “healthcare.gov”), is predicting a much smoother roll-out of the ill-fated website than we saw last year. Should we be hopeful? Maybe. After all, Counihan was formerly in charge of Connecticut’s state-run health insurance exchange — one of the more successful exchanges out there. And he is touting the new and improved healthcare.gov as being so
My Doctor Says He is Not Accepting Obamacare
What Should I Do if My Doctor Says He or She Does Not Accept Obamacare? We get this question all the time. The answer is a little tricky. The first thing to point out is that the term “Obamacare” is simply another name for the Affordable Care Act (ACA) which is the law passed in 2010 reforming our country’s health care system. Obamacare is not a type of insurance, or
What Are Key Dates for 2015 Health Insurance?
If you purchase health insurance for yourself or your family (vs. getting coverage through your employer), it will soon be time to begin thinking about your 2015 coverage. Here are some dates to keep in mind: November 15, 2014. The start of Open Enrollment for 2015 health insurance. Open Enrollment is the time when you can apply for new health insurance coverage, or, if you already have coverage, you can
Affordable Care Act and Medicare
The Affordable Care Act (ACA) has sparked a lot of questions from those eligible for Medicare as to how ACA Marketplace plans and Medicare coverage work together. In a nutshell, they really don’t. If you are already on Medicare, nothing changes for you. You are considered covered under the health care law and do not have to explore other options through the Marketplace. In fact, it is against the law
Understanding Your Health Insurance Documents
If you are new to having health insurance (or even if you’re not so new!), you may find yourself trying to make sense of the documents sent to you by your carrier. Here are a few of the documents you may receive: Insurance Card or Other Proof of Coverage This card or other document serves as proof of your insurance coverage. Some plans issue wallet-sized cards, while others provide the
Re-Enrollment for Exchange Health Insurance Policies
Did you purchase your health insurance through the federal health insurance exchange (aka healthcare.gov)? If so we have some important information about what to expect as the end of 2014 draws near. 2015 Re-Enrollment Rule All individual and family policyholders will need to re-enroll in 2015 coverage when the current benefit year ends in December of 2014. (Click here to learn how insurance effective dates work.) Just after Labor Day,
What Should I Do if My Insurer Denies My Medical Claim?
The short answer is: Don’t take no for an answer! When you’re sick, the last thing you want to hear is that your insurance company has rejected your medical claim. But if your insurer denies coverage, the Affordable Care Act guarantees you certain protections: You have the right to appeal your insurer’s decision. Your insurer must inform you of: The reason your claim was denied. Your right to file an
How Health Insurance Subsidies Could Impact Your Tax Bill
April 15 may seem far away, but it is not too soon to think about your 2014 tax bill if you purchased health insurance through a state- or federally run health insurance exchange. If you’re getting help paying for your coverage in the form of tax credits that subsidize your monthly insurance premium, you must report any changes that could affect either your eligibility for a subsidy or the amount
Affordable Vision Insurance
Have you ever heard someone marvel at being able to see individual leaves on trees after putting on eyeglasses for the first time (like in the picture to the right)? Has your child complained about not being able to see the board at school, or getting headaches when reading? When you’re not seeing clearly, things can get kind of … fuzzy. It may be time for a visit to the
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