Here are all the articles I wrote during June, 2013. I hope they're useful to you.

June 27th, 2013

Guaranteed Issue

Starting 1/1/14, guaranteed issue means health insurance companies have to issue health insurance to nearly anyone — no matter what their health or health history. In other words, coverage is guaranteed to nearly anyone.…

Read More…
June 23rd, 2013

Essential Health Benefits

As of 1/1/14, under the Affordable Care Act (ACA) there will be 10 Essential Health Benefits that every health insurance plan must include:

1.  Ambulatory patient services

2.  Emergency services

3.  Hospitalization

4.  Maternity and newborn care

5.  Mental health and substance use disorder services, including behavior health treatment

6.  Prescription drugs

7.  Rehabilitative and habilitative services and devices

8.  Laboratory services

9.  Preventive and wellness and chronic disease management

10.  Pediatric services, including oral and vision care…

Read More…
June 23rd, 2013

Advance Premium Tax Credit (APTC)

As of 1/1/14, under the Affordable Care Act (ACA), this is the amount of help you will get from the federal government to help you pay for health insurance IF you qualify and only IF you buy health insurance through an online Exchange, aka Marketplace or in California known as Covered California.  The APTC is also known as a subsidy.…

Read More…
June 23rd, 2013

Subsidies

As of 1/1/14, under the Affordable Care Act (ACA), this is the amount of help you will get from the federal government to help you pay for health insurance IF you qualify and only IF you buy health insurance through an online Exchange, aka Marketplace or in California known as Covered California.  Subsidies are also known as an Advance Premium Tax Credit (APTC).…

Read More…
June 20th, 2013

Aetna Bites The Dust

Did you  know?  If you are in California and have an individual health insurance policy with Aetna, you are being abandoned on January 1, 2014.   Because of certain provisions in ObamaCare (aka The Affordable Care Act aka ACA), Aetna has decided to get out of the California individual market (can anyone say “profit margin”?) and focus only on employer-sponsored plans.

You are one of approximately 50,000 who will be left to figure it out on your own.    Aren’t you relieved that The Insurance Mom is here to help you!?  What ever will you do?

Fortunately, by the end of this year there’ll be lots of options but you’ll need help to figure them all out.   This health care reform stuff is confusing!    The Insurance Mom is a phone call or an e-mail away.  Let me know your FAQs!

 

 

 …

Read More…
June 17th, 2013

ObamaCare and You

ObamaCare — aka The Affordable Care Act — is set to launch 1/1/14.

For California residents… this summer you’re going to be bombarded with radio and TV ads about the “Health Care Exchanges” or “Marketplaces” — known in California as “Covered California.”

ObamaCare will not necessarily save you money and it will not necessarily get you better coverage.
It will ONLY make sense for you to move to a Covered California plan  (aka The Exchange or Marketplace) IF you are eligible for a subsidy.  The premium assistance offered by California is only for people who earn less than 400% of the Federal Poverty Level.   (We will have a “subsidy calculator” available starting 10/1/13 to help us figure it out for you, but not until then.)
If you’re in California, please e-mail me before you do anything with your current coverage and I will advise you on the best action.  I can and will walk you through every step of the way, whether it’s a Covered California plan or a private one.

 …

Read More…
Contact Mom
menu mobile header