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What is the difference between Health Insurance and Healthcare?
Healthcare is a health care plan that allows the patient the ability to see a doctor for minor medical issues such and colds, shots, prescription, blood work… Read More
What are copays, deductibles, and coinsurance?
Co-pays are the flat fee to see the doctor consultation or the flat price you pay for generic prescriptions located on your insurance card. Deductibles are the amount the client has to pay before the… Read More
Do I have to sign up for an ACA plan to not be penalized on my taxes?
Signing up for ACA plans from healthcare.gov during open enrollment and paying for the plan for ten months satisfies the tax penalty for the IRS… Read More
Are plans available with no deductibles?
Insurance companies offer fixed benefit amounts and first dollar benefits. This product pays you a specific dollar amount you can sign over to the healthcare provider and the network discount… Read More
When is open enrollment?
Open enrollment is the period that you can sign up for ACA plans for the coming year. It also is the time when companies allow its employees… Read More
Are plans available outside open enrollment?
Health Insurance is available all year around. ACA approved plans can be purchased outside of open enrollment when and if a customer qualifies for a particular enrollment… Read More
What is the difference between ACA and Obamacare?
ACA stands for Affordable Care Act and is also known as Obamacare because it was President Barak Obama that passed the Affordable Care Act… Read More
How does the subsidy work on healthcare.gov?
The subsidy is financial assistance to help lower the cost of health insurance from Healthcare.gov, and it works by calculating your gross yearly income for that year, and if you… Read More
Do all plans cover Pre-existing conditions?
All plans that are ACA approved plans which will be employer plans, and State and federal exchange will cover pre-existing conditions… Read More
What is considered pre-existing condition?
Insurance companies set up a rate up system before Obamacare and most rate ups were for pre-existing conditions. Most of these Insurance companies consider any treatment medical… Read More
If I move states can I keep my Health Insurance plan?
Health Insurance markets are set up state by state. If you have a PPO plan it might still be beneficial to keep but in today’s marketplace most are HMO plans, and the in-network doctors… Read More
What are my options for health insurance if I leave my current employer?
Your employer has to offer you COBRA. COBRA will be the same coverage you currently have with your employer, but you are paying 102% of the cost instead with the employer that… Read More
How do Health Savings Accounts (HSA) work?
HSA accounts work as a tax-advantaged medical saving account. They are high deductible plans that allow the funds you add to the account not subject to your federal income… Read More
What is the difference between HMO, PPO, and EPO plans?
Health Maintenance Organization (HMO) plans to limit your dr network by restricting whom you see for doctors and hospitals. They also require you to chose a… Read More
What is meant by max out of pocket?
Max out of pocket refers to the total amount you are required to pay for the year you have your Healthcare plan. Any charges above and beyond covered in full… Read More
How do I know if my doctor is on the network?
Your network provider list labeled on the Insurance card you receive in the mail will contain a phone number and also a website you can look up to see if a doctor… Read More
What is the difference between Whole Life and Term Life Insurance?
Term life insurance gives you a money premium that, at the end of the term, has no monetary value but if you pass during that time awards a benefit to your beneficiary… Read More