December 23, 2013 is Almost Here It may feel like a race against the clock, but there is still time to enroll in health insurance by the December 23 deadline. Enrolling by that date will ensure you’re covered by January 1, 2014. What Should You do if You Have Not Gotten Health Insurance Yet? First of all, don’t panic! You still have a bit of time! (Note: Maryland residents
Purchasing Health Insurance on the Online Exchange in Virginia, Maryland, DC
UPDATE November, 2014 – The information in this post is from the 2014 Open Enrollment season. Please click here for help with purchasing 2015 health insurance on the Federal Health Insurance Exchange. Here is what you need to know to access the online health insurance exchanges in Virginia, Maryland, and DC. We have also included our broker information which, when entered into your online application, will allow you to benefit
Clarification to HHS Recommendations for Insurance Carriers
In a previous post, we outlined the recommendations made by the Department of Health and Human Services (HHS) last week to encourage health insurance carriers to take steps toward easing policyholders’ transition to new 2014 ACA-compliant health plans. We want to provide clarification on a couple of the points, and dissuade anyone from believing their insurance carrier will simply cover any out-of-network care or off-formulary drugs throughout the month of
If You Enrolled in Health Insurance Through the Exchange, Will You Really Have Coverage on January 1?
This is a question on the minds of many. With the recent tales of “834 errors*” will insurance carriers really have an accurate record of who is covered under plans sold on the exchange? * 834 is the data transmission form sent from healthcare.gov to the carriers containing a policyholder’s information. The 834’s have been plagued with missing, garbled, or duplicate data, casting doubt on whether carriers will receive correct
HHS Announces Changes to Help Americans have Coverage by January 1
In acknowledgement of the difficulties Americans have faced enrolling in health insurance coverage over the past few months, the Department of Health and Human Services (HHS) has asked insurance companies to make some changes to the way they enroll people in January 1 coverage. Of the changes, only one is mandatory: Health Insurance companies must provide coverage effective January 1, 2014 for any person from whom they receive a premium
Getting Help from a Broker on Healthcare.gov
Remember, the price you pay for health insurance already includes help from a broker! You pay the same price whether you enroll through a broker, a carrier, or directly on healthcare.gov. So, why not take advantage of the help a broker can offer! So that we can assist you in the future with coverage questions, billing issues, or claims concerns, please make sure to add our broker information on the
Pediatric Dental Benefit in Virginia under Affordable Care Act
The Affordable Care Act (ACA) requires health insurance plans to cover ten essential health benefits (EHB). One such EHB is pediatric dental care. It sounds simple enough: “pediatric dental care” means providing oral health care for children. But it turns out there are many questions — and few concrete answers — about exactly how the pediatric dental EHB will work in Virginia. Here is some of what we do know:
Another View From the Health Insurance Trenches
It has been about a month since we wrote about our experience “in the trenches” as we help our clients manage the transition to the Affordable Care Act (ACA). Many of you are wondering how things are going. Record High Volume at Virginia Medical Plans We, like most brokers across the country, continue to experience a record high volume of calls and emails. As you can imagine, we are doing
How Much Penalty Will I Pay if I Don’t Get Health Insurance?
The individual responsibility clause of the Affordable Care Act (ACA), also known as the individual mandate, requires all Americans to have health insurance by January 1, 2014, or pay a penalty tax. How Much Will the Penalty Be for not Having Health Insurance? You may have heard the figure $95 per person. That is the basic penalty in 2014 for an unmarried individual, earning less than $19,500/year, with no dependents.
Online SHOP – Small Business Health Options Program – Delayed by One Year
Last week we learned that the Department of Health and Human Services (HHS) has delayed by one year the launch of the online SHOP (Small Business Health Options Program). What is SHOP? SHOP is the federal online health insurance marketplace through which small business owners (employing less than 50 FTEs) can shop group health insurance plans for their employees. The idea behind SHOP is much the same as that of
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