Now that you have health insurance, you may be wondering what’s covered and what’s not for your dependent child(ren). By law (namely, the Affordable Care Act — ACA), certain preventive services for children through age 18 must be covered at 100%. This means no copayment, no coinsurance charge, and regardless of whether or not you have met your annual deductible. Your child must receive these services from an in-network provider
Which Preventive Services and Immunizations are Covered for Adults Under ACA?
Now that you have health insurance, you may be wondering what’s covered and what’s not. By law (namely, the Affordable Care Act — ACA), certain preventive services 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 these services from an in-network provider for your plan to cover 100% of the charge. Preventive
Preventive vs. Diagnostic Medical Services Under the Affordable Care Act
The Affordable Care Act (ACA) mandates that all qualified health insurance plans (except grandfathered plans purchased prior to March 23, 2010 and still in place) include coverage for ten essential health benefits. That does not mean these medical services are necessarily free, merely that your health insurance will cover some or all of the cost. But certain preventive services are free. This means your health insurance must cover 100% of
Metal Plans Under the Affordable Care Act
The Affordable Care Act (ACA) created four new designs for health insurance policies. You may have heard policies referred to as “metal plans.” This is because each design is named after a metal: Bronze | Silver | Gold | Platinum The four metal plans are distinguished from one another by their actuarial value. Actuarial value (AV) is the average amount of covered health care expenses that will be paid for
My New Job Offers Health Insurance, but Can I Still Stay on My Parent’s Policy?
Yes*. Just because you are eligible for coverage through your employer does not mean you cannot stay on your parent’s health insurance plan — that is, of course, if you are age 26 or younger. If your parent’s plan seems like a better fit for your family’s budget, lifestyle, or health care needs, staying on your parent’s plan may be the best option for you! *Note, the only exception would
Can I Live in a Different State than my Parents and Still be Covered on Their Health Insurance?
Yes, you can live in a different state and still be covered on your parent’s health plan up until age 26. However, keep in mind most health insurance plans distinguish between in-network and out-of-network care. If you live in another state, you may not be able to easily access in-network providers for your medical care. Out-of-network care is typically much more expensive than in-network care, often with its own separate
Short-Term Health Insurance
Now that the window of opportunity to purchase 2014 Affordable Care Act (ACA)-compliant health insurance has closed, many people are wondering how they can be protected in the event of an illness or injury this year. In most cases, if you did not purchase a 2014 policy before the March 31 deadline, your option for the remainder of 2014 is to purchase what’s known as short-term insurance. (*See notes below
Buying Health Insurance After March 31 During a Special Enrollment Period
March 31 has come and gone. And with it has come the end of open enrollment for 2014 health insurance plans. Unless you had already begun an application on or before that date through healthcare.gov (the federal health insurance exchange used by Virginia residents), March 31 was the last day you could purchase non-group health insurance coverage during 2014 open enrollment. However, there may still be an opportunity to purchase
Beat the March 31 Deadline for Health Insurance
You have until midnight on March 31, 2014* to beat the deadline for enrolling in 2014 health insurance coverage. *A qualifying event will allow you to enroll after March 31 Applying for Coverage Without a Subsidy If you are not eligible for a subsidy (click here to find out), you can enroll quickly and easily by filing an application directly with the carrier of your choice: CareFirst BC/BS Anthem BC/BS
Another Health Insurance Extension?
This week’s big news surrounding the Affordable Care Act was the Obama administration’s announcement of a partial extension to the March 31 deadline for enrolling in 2014 health insurance. Another extension? Sort of. Before you believe you now have longer to enroll, remember it is a partial extension. And in fact, the administration is careful to call it a special enrollment period rather than an extension. Who Can Enroll in
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