This is a question I have asked myself many times since I became ACA certified back in the fall of 2013. Since last year was filled with so much confusion I will give all of the companies a pass on the chaos from last year. My opinion is based solely on my experience from this year. While I have not provided the names of the companies the following accounts will give you an overview of what to expect from a wide range of health insurance companies.
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During the final weeks of the current open enrollment period, health insurance is at the top-of-mind for individuals of all ages. Seniors and others qualifying for Medicare benefits have been bombarded with mail and TV ads touting comprehensive Medicare Advantage plans, as well as Part D Rx plans and no-network, fee-for-service plans designed to work with traditional Medicare benefits.
As most people in America now know, if you are 64 or younger, you are subject to the new Affordable Care Act. The marketplace can be difficult to navigate, and most folks who are not savvy about the ins and outs of these new health insurance plans or about the ACA itself may become frustrated by the plethora of information available that is not easily consolidated into an understandable format.
Enrolling in health care really is simple. You can go to your insurance agent, insurance company or to the healthcare.gov website. There are some things you should know before you enroll. You also should consider why it's important to have health insurance.
The 2015 Open Enrollment period runs from November 15, 2014 to February 15, 2015. This time frame is your opportunity to get coverage without being charged more for a pre-existing condition, apply for tax subsidies that lower the cost of health insurance, and get guaranteed benefits like prescription drug coverage, preventive services, and emergency care. It’s the time to make sure you and your loved ones have coverage to keep you safe and healthy. Here are the steps you should take to ensure you’re prepared to get the coverage you need.
Before a team goes out to play a game all of the members have to show up at practice. When a player does not show up for practice it can affect the performance of the whole team. The coach expects their star players to be present and well equipped come game day. They would never think of locking them in a closet and barring them for practices until the big day arises.
As I am sitting in the doctor's office waiting for my father to finish cataract surgery on the first day of health insurance Open Enrollment for agents and broker in the state of Maryland I wonder what can I expect.
The Affordable Healthcare Act is a health insurance legislation that is well on its way to directly affecting each and every American citizen. It’s astounding, though, that even a year after its initial debut, how little people still actually know about it, its enrollment options, available plans, and the actual cost of it. After days of researching this Affordable Healthcare Act, what it is, and what it means to the American public, I can say that I am not the least bit surprised that such an overwhelming population of people still feel in the dark about it.
Saturday, November 15th is the first day of open enrollment for the Health Insurance Marketplace. Part of the Affordable Care Act, the Health Insurance Marketplace helps uninsured people find affordable health coverage. Staff and volunteers throughout Orange County are ready to assist people with enrolling in a plan that is right for them.
In March of 2010 The Patient Protection and Affordable Care Act (PPACA / Obamacare) was passed and a monumental shift took place in how health insurance is bought and sold in the United States. Since its inception, there has been a contentious debate over the legality of the law and the societal implications that go with it. The PPACA has polarized our country and partisan lines have been drawn.
In the world of autism getting a diagnosis is just the first step, sometimes the real fight starts after that when parents start looking for affordable health insurance coverage for autism.
The health insurance open enrollment period November 15th is just around the corner. Although many agents are anxious to get started many of us are not quick to forget the frustrations we faced last year. A website that did not work, not being given the tools we needed to work effectively with our clients, and not to mention slow or no commissions for many agents.
I was reading an article on Omaha.com entitled “Insurance Agents Feeling Left Out Of Obamacare” and ran across a statement by Richard Stark who is also an insurance agent. He stated, “They basically didn’t want to work with insurance agents because they felt agents were going to steer a customer toward (a plan) where they think they will make the most money.”
During the last open enrollment season, while working on the healthcare exchanges, many health insurance agents experienced the frustration of having their National Producer Numbers (NPN) and Federally Facilitated Marketplace Identification Numbers (FFM ID) deleted from their clients applications.
There was a survey that was taken of all of the groups that assisted consumers during the first health insurance open enrollment period under the Affordable Care Act or ACA. The only group that was left out were health insurance agents and brokers. The results of the survey were presented on C-span on August 5th 2014, under the title “Health Insurance Navigators and Brokers”. I found the discussion to be both enlightening and disappointing.
Unexpected accidents and illnesses happen to everyone at one time or another. When they do, the resulting costs can leave you and your family vulnerable to out-of-pocket expenses that can often significantly deplete emergency funds and savings accounts.
If you purchased a high deductible health insurance policy you may wonder how can you lower you total out of pocket exposure. High deductible plans can be a blessing or a curse if you do not know how to use them. Here are - tips to help you get the most out of your policy.