What is a network? A network (also called provider network or preferred providers) is a group of medical providers (hospitals, doctors, specialists, pharmacies, etc.) that have contracted with an insurance company to provide medical care at an agreed-upon rate. What is in-network vs. out-of-network care? In-network care is medical care obtained from a provider within your plan’s network. Out-of-network care is medical care obtained from providers outside of your plan’s
Extended Deadline for Health Coverage – What Does it Mean?
The Affordable Care Act (ACA — otherwise known as “Obamacare”) has been front-and-center in the news this month, first for its role in the recent record-long, 16-day shutdown of the US government, and now for the technical glitches that have plagued the online federal health insurance exchange since it opened on October 1. This week the Obama administration announced a 6-week extension of the deadline for signing up for health
Why Should I Buy Health Insurance if I am Young and Healthy?
Why should the young and healthy have health insurance? The glitches and delays experienced with the October 1 roll-out of the online health care exchanges have left many wondering if young, healthy Americans will give up and simply not enroll in a health insurance plan by January 1, 2014. However, the Affordable Care Act (ACA) — aka Obamacare — makes having health insurance mandatory for most Americans beginning on January
Anthem Blue Cross Blue Shield Early Renewal Option
If you are currently covered by an individual Anthem Blue Cross Blue Shield health insurance policy (vs. one you get through your employer) we have some critical information for you. Anthem policyholders either already have received or will receive soon a letter from Anthem explaining the options for complying with the new health care law — the Affordable Care Act (also known as “Obamacare”). Here is a summary: If you have
CareFirst Blue Cross Blue Shield Option to Re-Enroll
If you are currently covered by an individual CareFirst Blue Cross Blue Shield health insurance policy (vs. one you get through your employer) that you purchased or after March 23, 2010, we have some critical — and time sensitive* — information for you. (Update October 31, 2013 – deadline to re-enroll has been extended to November 22, 2013) CareFirst policyholders either already have received or will receive soon a letter from
Will I Be OK Under Obamacare?
If you have somehow missed all recent headlines about the Affordable Care Act (ACA), otherwise known as Obamacare, a quick peek at our Daily News page should convince you that news is coming in fast and furious. With less than a week until Open Enrollment begins, our phone has been ringing off its hook (as well as our email box filling up) with questions, the gist of which are: Will
Will Young Adults Purchase Health Insurance?
Young adults. Traditionally, buying individual health insurance has been low on the priority list for this demographic. Rarely seeking medical attention, many young adults who are not offered coverage from their employer and are too old to be covered on their parents’ plan simply do not have it. There has been much debate about whether this overall healthy and self-described invincible group of younger, uninsured consumers will buy in to
Preventive Health Care Benefits Under Affordable Care Act (ACA)
We’ve all heard this expression: “An ounce of prevention is worth a pound of cure.” The authors of the Affordable Care Act (ACA) are counting on that! The law requires all marketplace and non-grandfathered health insurance plans to provide coverage for certain preventive care services at no cost to the insured. When we say at no cost, that means the services must be provided without charging coinsurance or a copayment,
Understanding Health Insurance Plans – before and after Affordable Care Act
What are the differences between grandfathered plans, non-grandfathered plans, and new plans under the Affordable Care Act (ACA)? Here is a helpful chart with some of the key points. Grandfathered Plans (purchased before 3/23/2010 and still active) Non-Grandfathered Plans (purchased 3/23/2010 or later and active prior to 1/1/14) New Plans Effective in 2014 Annual Coverage Limits Annual dollar limits on coverage are ok Not allowed Not allowed Lifetime Coverage Limits
What Types of Health Insurance are Out There?
How will you make the best choice for your health insurance? By understanding your options! Here is a high-level review of the different types of health insurance plans. The right fit is different for each individual. So please give our office a call to discuss which type of plan may be best for you! Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs) Coverage is limited to a certain list
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