Saturday, February 15, 2014

Health Care Insurance Guide Of America With Government Assistance. Get Help Now - Buyheremarket

Through the Health Insurance Marketplace, you can be sure that whatever plan you choose will cover the most important benefits like doctor visits, hospitalizations, prescriptions, maternity and infant care, mental health, and more. Many preventive services are covered, and at no cost to you. March 31st is the last day to sign up, but the sooner you sign up, the sooner your coverage will begin.

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                          What benefits and price are you looking for?




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What Your New Insurance Gets You:
  • Free preventive care
  • Prescription coverage
  • Mental health services
  • Emergency services  and hospitalizations
  • Maternity care
  • Infant care and children’s care
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Examples of Preventive Care:
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What can happen to us...
About  70% Americans over the age 40 will suffer with some kind of chronic or critical illness of their lifetime.

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Under the Affordable Care Act, health plans that cover children must make coverage available to children up to age 26. Young adults can join or remain on a parent’s plan even if they are:
  • Married (coverage does not extend to married child’s spouse)
  • Not living with a parent
  • Not attending school
  • Not financially dependent on a parent
  • Eligible to enroll in their employer’s plan (starting in 2014)
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The following are SOME IMPORTANT components of the Affordable Care Act?
Extension of health insurance coverage to children up to age 26
Prohibition on charging consumers a higher premium based on health status or gender
Prohibition on coverage limitations or exclusions based on pre-existing conditions 
Denying, limiting, or placing additional conditions on the coverage of routine patient
Discriminating against qualified individuals on the basis of their participation in an approved clinical trial
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Pre-existing conditions: A current or past medical condition, illness, or disability that—before the health reform law was passed—could cause a person to be denied or charged more for their health coverage. Beginning in 2014, people can no longer by denied or charged more for their health coverage because of pre-existing conditions.
Premium: The amount of money that you will pay for your health insurance plan. These payments are usually made monthly, quarterly, or yearly.
Preventive Services: Medical services and tests that keep you healthy before you may become sick. These include routine check-ups, patient counseling, screening tests, and immunizations.
Qualifying Life Event: A change in your life that can make you eligible for a Special Enrollment Period to enroll in a health insurance plan. Examples of qualifying life events are moving to a new state, certain changes in your income, and changes in your family size (for example, if you marry, divorce, or have a baby).
Special Enrollment Period: The first open enrollment period for the new Health Insurance Marketplace is October 1, 2013 – March 31, 2014. Outside of this window, someone may qualify for a special enrollment period. This period lasts until 60 days after a qualifying life event, such as a job loss, birth, or divorce

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Special Enrollment Period for Birth or Adoption


Another important SEP exists for the birth or adoption of a child.
The effective date of coverage can be the date of the birth or the official date of adoption as long as the SHOP is notified in a timely manner.
The SHOP would need to be notified within 30 days of a birth or adoption for dependents to be covered. 
If the 30-day deadline is missed, the dependents cannot be enrolled until the plan's annual open enrollment period. Premiums would be pro-rated for the month, based on when the child was added to the policy
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