One of the earliest-implemented provisions of the Affordable Care Act (ACA) was the requirement that parents be allowed to keep their adult children on their health insurance until age 26. As a result, many families did just that. Even when the adult child was offered coverage through his or her employer, it often made sense for many reasons for the “child” to stay on the parents’ plan. With the next
October 1 — What to Expect
We have been writing for several months urging you to be ready to act on October 1 — the date Open Enrollment begins for health insurance plans effective in 2014. Everywhere you turn, you’re probably hearing that date in conjunction with Obamacare — the Affordable Care Act. Well, guess what? Have you ever stood in line at a popular store on Black Friday (the day after Thanksgiving)? Ever lined up
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
Beware of Health Insurance Scams
Obamacare — the Affordable Care Act (ACA) — is here. In less than 30 days the health insurance marketplaces will be open for business, and Americans will begin shopping for health insurance — some for the very first time. But do people really understand what the Affordable Care Act is all about? A recent poll by the Kaiser Family Foundation found that, for half of the respondents, the answer is
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
7 Easy Steps to Prepare for Health Insurance Open Enrollment
October 1, 2013 marks the start of the Open Enrollment period for health insurance. From October 1 – March 31, 2014, Americans will be able to purchase health insurance with an effective date as early as January 1, 2014. And remember, everyone MUST have health insurance by the first of the year! Are you ready? Here are 7 easy steps you can follow: 1 Understand your options. You will be
How Much Will Health Insurance Cost Me in 2014?
With the Affordable Care Act (aka Obamacare) front-and-center in the news these days, people naturally want to know how much it will cost them when health insurance becomes mandatory on January 1, 2014. The health insurance exchanges (or “marketplaces”) are slated to open on October 1, 2013 for plans with an effective date of January 1, 2014. Until exact figures are released, the Kaiser Family Foundation has a great tool
Employers Must Notify Employees about Health Insurance by October 1, 2013
Some employers may believe that because the employer mandate provision of the Affordable Care Act (ACA) has been delayed until January 1, 2015, they face no new requirements under the law until that date. Not true! While large companies (over 50 full-time employees) have been given an extra year (until 1/1/15) to provide health insurance to their employees, employers are still required under ACA to notify employees about their options
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