Welcome; here we simply offer a simple powerful tool to get you started in your search for the right plan by creating a list of Licensed Insurance Agencies or brokers that can answer your many questions and help find the plan that best fits your needs.
Just put in your zip code and set the age parameter to view agents near you.
Please note that we are not a licensed insurance agency or are we affiliated with any insurance agencies. This site is not connected with or endorsed by the United States government of the federal Medicare Program.
Please use this information to help in educating yourself on some of the basic information and facts you need to help ask the right questions.
Remember always talk directly with a licensed insurance agent before making any final decisions.
Our goal is to make the process of identifying and selecting a Health Insurance plan simple and hassle-free. You will be working with licensed insurance agents representing top, reputable insurance carriers. Our service is easy to use, free and with no obligations to purchase – ever.
Under the Affordable Care Act (ACA), it’s possible for many more people to get insured, including those with pre-existing conditions and those who used to have no coverage option that fit their budget.
Did you know the average cost of a three day hospital stay is $35,000? Or did you know that fixing a broken leg can cost up to $8,500? Having health coverage can help protect you from high, unexpected costs like these.
Your insurance policy/summary of benefits and coverage will show what types of care, treatments, and services your plan covers, including how much the insurance company will pay for different treatments in different situations.
The healthcare gov’s website open enrollment period started
November 15, 2014 and will end February 15, 2015
However, you can get health insurance anytime on this site.
Tens of thousands of people who discovered that HealthCare.gov made mistakes as they were signing up for a health plan are confronting a new roadblock: The government cannot yet fix the errors.
HEALTHCARE.GOV SECURITY ‘A BREACH WAITING TO HAPPEN
Dec 20, 2013: HealthCare.gov Goes Down Days Before Deadline
Site Was Restored, But Applications Were Stalled By Heavy Traffic (Wall Street Journal)
“Stay away from Healthcare.gov for at least another month if you can” Consumer Reports Oct 22
“Obamacare’s Website Is Crashing Because It Doesn’t Want You To Know How Costly Its Plans Are”
Forbes Oct. 14
“Obamacare will actually lead to many families paying more for their healthcare than they were before the law went into effect.” Forbes, Sept 30, 2013
Facts about HealthCare.gov,
The Health Insurance Marketplace and ObamaCare.
How to Get Affordable Health Insurance Coverage in 201.
Under ObamaCare – every one of you must have health insurance, or you will have to pay a penalty. Pretty well any type of coverage will meet the requirement of the mandate. Private insurance, employer insurance, Medicare, Medicaid, CHIP, Veterans Affairs, the Indian Health Service or Tricare.
People who do not have a qualified health insurance policy will have to pay a tax penalty – starting at $95/individual, $285/family or 1 percent of income. Whichever is the greater for 2014. The incredible thing is, those penalties rise to $695 per individual, $2,085 per family or 2.5 percent of income in 2016. If you have low enough income you won’t have to pay a penalty.
HealthCareGov is a U.S. Government website launched Oct 1, 2013. The Health Insurance Marketplace is a novel way to seek out health insurance coverage that will fit your budget and meet your needs as well. You only have to fill out one application and you can then see all your options and enroll into a health insurance plan.
Basically, it is simply a place for private insurers to apply for, and if they qualify – meeting stringent rules – they will be able to list their policies on healthcare.gov.
HealthCareGov – Health Insurance MarketplaceNovember 15 – using the Healthcare Gov/Health Insurance Marketplace you will fill out an application and then be able to see all of the health-plans available in your area by zip code.
Can you get lower costs on your monthly premiums for private insurance plans? Maybe. Time will tell. We think that the private insurance companies will want to remain competitive. Health insurance plans are very lucurative for insurers.
NOTE: If you are already on Medicare (65 years or older), there is no need to apply on the Health Insurance Marketplace. You are already covered.
HOWEVER, you may wish to get Medicare Supplemental Insurance, which helps pay for expenses Medicare won’t cover. Such as Medicare Advantage.
“We want to reassure Medicare beneficiaries that they are already covered, their benefits are not changing and the marketplace doesn’t require them to do anything,” said Michele Patrick, Medicare’s deputy director for communications.
Better health insurance choices: The Marketplace is a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll.
Most folks using healthcare gov will qualify to save some money. To find out how much you are eligible for when you apply, it will help to have these things close by:
The Health Insurance Exchanges (by state) mandated by the new HealthCare Reform Act will create an online marketplace where individuals and businesses both can buy healthinsurance coverage. Each states’s exchange will act as a clearing-house for health insurance plans that are offered. The exchange is created to:
You can apply for Insurance Marketplace coverage three ways. Online, by mail, or in person with the help of a Navigator or other qualified helper. Telephone help and online chat will be available 24/7 to help you complete your application.
Health Insurance plans will be offered by private companies, and they cover the same core set of benefits called essential health benefits. No plan can turn you away or charge you more because you have an illness or medical condition. They must cover treatments for these conditions. For example, plans cannot charge women more than men for the same plan.
If you have a pre-existing condition, you cannot be refused under this plan. Insurers also cannot charge you more just because you are, or have been sick. Once you get insruance coverage, companies can’t not treat you for any conditions you may have had prior to your application and approval. Amazingly enough, this holds true even if you have been refused coverage and/or treatments in the past.
Dental Insurance is also available as part of a general insurance paln, or more likely – a separate dental insurance plan. You need to know that the health care law states that dental insurance is treated differently if you are an adult or a child under 18. For individuals under 18 dental insurance is considered essential health services and are covered by most plans. This is not the case for adults. It is difficult to get a dental plan for adults since insurance companies are not obliged to provide dental insurance to adults like they are for kids.
If you are unemployed you may also qualify for a lower cost on Marketplace insurance. This is depends on your household income. The fact that you are unemployd really doesn’t matter much. It’s all based on income. Pending on the income, you might qualify for several programs such ad Medicaid, CHildren’s Health Insurance Program (CHIP) and/or lower cost Marketplace insurance.
Lower cost premiums also depends on your income. It is possible to qualify for a lesser premium if your household income is below a certain level.
The Affordable Care Act allows all US Residents to get comprehensive healthinsurance, and offers new rights and protections. Some of the law have already taken effect, while other sections will be implemented in future years.
Can you keep your own physician?
That depends on the type of plan you choose. Many, if not most of the plans offered have their own network of doctors, specialists, pharmacies and various health care providers. It’s sort of a clique. They look after themselves first. If you really want to stay with your own doctor, and you want to wither get, or change the health care plan you have – check to see if your doctor is included in the plan’s network.
Subsidies for Individuals. Do you worry that you can’t afford health insurance? On your state’s marketplace, as an individual – you may actually qualify for a subsidy. But only if your household income is between 100% and 400% of the U.S. federal poverty level. This subsidy money will be a new sort of a tax credit that you can use immediately to lower the costs of the insurance premiums.
HealthCareGov Open Enrollment 2015 | Health Insurance Marketplace | www healthcare gov | health care .gov | healthcare gov Marketplace
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