Instructions for Enrolling in a 2015 Off-Exchange Policy with Anthem Blue Cross/Blue Shield of Virginia If you have already discussed a plan with us and you are ready to enroll in an off-exchange 2015 plan with Anthem BC/BS, starting on November 15, 2014, you can apply by: Processing an online application directly with Anthem. Click here to begin. Completing a paper application. Click here to access the 2015 Anthem application,
2015 Pediatric Dental Benefit in Virginia
When Open Enrollment for 2015 health insurance plans begins on November 15, 2014, it will be nice to NOT have to explain to individual and small group clients why they must pay for pediatric dental benefits even if they have no children on their policy. It’s not that we are anti-pediatric-dental-care! We love healthy teeth in kids as much as the next guy! The Trouble with Pediatric Dental Benefit in
December 15 is Key Date for 2014 Policyholders
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
How to Apply for 2015 Coverage on healthcare.gov
Open Enrollment for 2015 Health Insurance: November 15, 2014 – February 15, 2015. If you live in Virginia and will be eligible for a health insurance subsidy in 2015, you must purchase your coverage on the federal health insurance marketplace — healthcare.gov — in order to receive the subsidy. NEW! This year we are pleased to offer expedited enrollment for Virginia residents on the exchange. You get the same
What are the Penalties for Not Having Health Insurance in 2015?
If you did not have health insurance in 2014, be prepared to pay a penalty when you file your 2014 income taxes next April. If the penalty for not being covered in 2014 did not seem too high, brace yourself for the dollar amount to rise next year, and the year after. Here are the penalty amounts for 2014, 2015, and 2016: 2014 2015 2016 $95 per adult $47.50 per
Am I Eligible for a Health Insurance Subsidy in 2015?
Eligibility for a subsidy on your health insurance is determined based upon your household income level and the number of people in your household. The eligibility numbers have been adjusted for 2015 coverage. Here is the most recent data: (Click here or on the image to view larger.) Source: healthcare.gov Virginia Medical Plans Can Help Give us a call at 1-800-867-0800 or send us an email at jkatz@vamedicalplans.com. We can
Will Healthcare.gov Be Better This Time?
Kevin Counihan, the new CEO of the Federal Health Insurance Marketplace (aka the Exchange or “healthcare.gov”), is predicting a much smoother roll-out of the ill-fated website than we saw last year. Should we be hopeful? Maybe. After all, Counihan was formerly in charge of Connecticut’s state-run health insurance exchange — one of the more successful exchanges out there. And he is touting the new and improved healthcare.gov as being so
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
How Health Insurance Subsidies Could Impact Your Tax Bill
April 15 may seem far away, but it is not too soon to think about your 2014 tax bill if you purchased health insurance through a state- or federally run health insurance exchange. If you’re getting help paying for your coverage in the form of tax credits that subsidize your monthly insurance premium, you must report any changes that could affect either your eligibility for a subsidy or the amount
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
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