Instructions for Enrolling in an Off-Exchange Policy with CareFirst Blue Cross/Blue Shield of Virginia If you have not yet purchased 2014 health insurance, there is still time and we can help! If you have already discussed a plan with us and you are ready to enroll in an off-exchange plan with CareFirst BC/BS, you can apply by: Processing an online application directly with CareFirst. Click here to begin. Completing a
Enrolling in Innovation Health / Aetna Northern Virginia Health Insurance
Instructions for Enrolling in an Off-Exchange Policy with Innovation Health/Aetna Northern Virginia If you have not yet purchased 2014 health insurance, there is still time and we can help! If you have already discussed a plan with us and you are ready to enroll in an off-exchange policy with Innovation Health / Aetna Northern Virginia, you must complete a paper application. Click here to access the application, and follow the
Enrolling in Anthem Blue Cross / Blue Shield of Virginia Health Insurance
Instructions for Enrolling in an Off-Exchange Policy with Anthem Blue Cross/Blue Shield of Virginia If you have not yet purchased 2014 health insurance, there is still time and we can help! If you have already discussed a plan with us and you are ready to enroll in an off-exchange plan with Anthem BC/BS, you can apply by: Processing an online application directly with Anthem. Click here to begin. Completing a
What Should I do Before I Visit the Doctor in 2014?
January 2014 is here! You purchased new health insurance and you’re ready to visit the doctor, pharmacy, etc. for the first time. The only problem is, you have no paperwork from your carrier to show you’re covered. You are not alone. The technical glitches that plagued the online federal and state health insurance marketplaces have resulted in bigger problems for many Americans who thought they had signed up for a
More on Pediatric Dental Essential Health Benefit
We recently received a well-written brochure about the Pediatric Dental Essential Health Benefit (EHB) — Click here. Although the guide was produced by United Health Care (UHC) and we write dental and health insurance policies with many other carriers, it contains some really useful information about how the pediatric dental EHB will work in 2014 under the Affordable Care Act (ACA). We have put up UHC’s guide under our Free
What is a Drug Formulary and Why Should I Care?
What is a drug formulary? A drug formulary is a list of medicines covered under a health insurance plan. A formulary may also specify tiers of medications and corresponding levels of co-pay or co-insurance. The drug formulary will vary from plan to plan. Why Should I Pay Attention to my Health Insurance Plan’s Drug Formulary? It is important to know the specifics of your plan’s drug formulary — particularly if
How do I Calculate My Income to Find Out if I am Eligible for a Health Insurance Subsidy?
Under the provisions of the Affordable Care Act (ACA), some Americans will be eligible for a subsidy to purchase health insurance through their state’s exchange (or the federal exchange for states like Virginia who have chosen not to run their own exchange). Eligibility for the subsidy is determined in part by household income, relative to the Federal Poverty Level. Click here for details. Some are wondering, however, how to calculate
If Your Health Insurance was Canceled You Can Now Claim Hardship
Just days before the December 23 deadline to purchase health insurance, the government announced that anyone who received a cancellation notice for their individual health insurance policy now has the option to claim a hardship and either not purchase insurance at all or purchase a catastrophic health plan. What does this really mean? What is a Catastrophic Health Plan? Here is the definition of a catastrophic health plan as stated
Pediatric Dental Benefit in Maryland Under Affordable Care Act (ACA)
The Affordable Care Act (ACA) requires coverage for ten essential health benefits (EHB). One of these is pediatric dental care. In order to get the most value from reading this post, we suggest you first read our earlier post about Virginia’s pediatric dental benefit. Click here. States have been given leeway in determining requirements for their pediatric dental EHB. As far as we can tell, Maryland’s pediatric dental benefit will
December 23 Health Insurance Deadline Draws Near
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
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