Part of having insurance is peace of mind, so I would like to assure you of a few things about your current and future health insurance:
Frequently Asked Questions
- Is it private health insurance? Yes
- Is it Obamacare? The ACA (Affordable Care Act) affects the entire healthcare system including group and individual policies.
- Will I lose my doctor(s)? Most likely not. The new plans have contracted with most of the local hospitals and doctors. However, out of the network area coverage will be different.
- Will my premium go up? If you make over 400% of the federal poverty level (FPL-see below) then your premium will go up by at least the end of next year. Over 60% of those in SC will have lower premiums.
- What is coverage like on the new plans? Similar to what you have now. Comprehensive major medical, pharmacy, physicians, inpatient and outpatient, ER, rehab, preventative care, x-ray, lab, diagnostic testing, etc. Included will also be maternity, pediatric and dental/vision.
- How soon can I enroll? If you don't qualify for subsidy you can enroll now by calling me or meeting with me. If you qualify for subsidy then you can enroll once your subsidy application is approved. Call Libby at 987-9996 to complete your subsidy application. When the government site and promos say you can "apply now" this subsidy application is what they are speaking of. If you apply directly through the government 800 number then you may not be able to have an agent when you go to actually enroll in a plan.
Terms to Know
Navigators: These are unlicensed people who have not had background checks that the government is advising people to use for enrolling into a new health insurance plan.
Agent/Broker: These are people that are licensed, experienced and have had background checks who can actually assist with a review of different plans, apply for subsidy and service your policy at no additional cost to you.
Marketplace Toll Free Number: Government employees who can take a subsidy application but cannot enroll you into a plan nor offer advice on the different plans
Marketplace Website (www.healthcare.gov): Only necessary to use if household size and income qualify you for a subsidy.
www.healthcare.gov: Where it asks "Are you receiving help?" please include Broker name of Ben Howell and FFM user ID of Howell2 and NPN of 133476.
Choosing a plan: There are 4 private insurance companies and each has a unique make up of plans that fall under names of Gold, Silver and Bronze. The makeup of these plans vary from one carrier to the next. Deductibles, coinsurance, networks and premiums vary. If household income is below 250% of the FPL then your out of pocket cost is less. If FPL is between 100% - 400% of the FPL then your premium may be less.
|Federal Poverty Guidelines
New Health Plans Summary of Benefits
Blue Cross Blue Shield
Have you recently purchased a new home? Acquired valuable artwork or other collectibles? Do you have a teenager that just got a driver's license? If you answered yes to any of these questions, you should contact your insurance agent for a review of your current coverage. Click here to learn about other life events that impact the amount and type of insurance you should have.
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