If you are reading this, you probably know that November 15, 2014 is the first day of Open Enrollment for 2015 health insurance plans. You probably also know Open Enrollment runs through February 15, 2015. However, what you may not realize is the importance of another date — December 15, 2014. That date is important because it is the last day you can enroll in coverage with an effective date
Health Insurance Cancellation Notices
Help! My health insurance is being canceled! Several hundred thousand Americans — reportedly 250,000 in Virginia alone — either have already been notified or will be notified soon by their health insurance company that their plan is being canceled effective December 31, 2014. The canceled plans are those which do not fully comply with the provisions of the Affordable Care Act (ACA), otherwise known as Obamacare. What should I do
9 Simple Facts about Health Insurance
Fact #1 Open Enrollment for 2015 individual health insurance plans begins November 15, 2014. Fact #2: You may apply for coverage outside the dates of Open Enrollment if you have a qualifying event. Fact #3: All individual and small group health insurance plans effective on or after January 1, 2014 must include coverage for 10 essential health benefits — things like preventive care, well visits to the doctor, hospitalization, etc.
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
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
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
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
Understanding Health Insurance Deductibles
What is a health insurance deductible? A plan’s deductible is the amount of money you must pay for your medical care before your health insurance begins to pay. Here are 6 things you need to know about health insurance deductibles: 1. Unlike other types of insurance (e.g., auto or homeowners insurance) where claims are not covered at all until the policy deductible has been met, most health insurance plans do
News for Anthem Individual Health Insurance Policyholders in Virginia
Attention Virginia Anthem Health Insurance Policyholders If you have a non-grandfathered* individual Anthem policy with a December 1, 2014 renewal date, we have some important news. We just received word from Anthem of a change regarding the options you will have when your policy renews this December 1. Until now, we had been told that Anthem would no longer offer your current plan, and you would need to switch to
Which Preventive Services for Women are Covered Under ACA?
Now that you have health insurance, you may be wondering what’s covered and what’s not, specifically for women. By law (namely, the Affordable Care Act — ACA), certain preventive services for women must be covered at 100%. This means no copayment, no coinsurance charge, and regardless of whether or not you have met your annual deductible. You must receive all services listed on this page from an in-network provider for
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