Category Archives: F.A.Q

Nashville 2020 Obamacare Health Insurance – Shop, Enroll, or Renew!

Nashville: December 15th is the last day to secure your Health Insurance coverage. We are here to assist with shopping, enrolling or renewing your 2020 Health Insurance:

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Oscar and Bright Health = More Options for 2020

Mississippi 2020 Health Insurance Plans – Shop, Enroll or Renew your Plan!

December 15th is the last day to secure your Mississippi Health Insurance coverage. We are here to assist with shopping, enrolling or renewing your 2020 Health Insurance:

First Name (required)

Last Name (required)

Gender (required)
MF

Date of Birth (required)

State

Zip (required)

Insurance Type (check all that apply)
HealthDental/Vision

Email (required)

Phone (required)

Online Obamacare Enrollment Was Easy For Me

Obamacare is very easy to sign up with, and you simply head over to their main site and fill out an application with all of your personal data and information. They will look at your application and determine if you qualify for a federal subsidy or not, which if you are not making a great deal of money, you are probably going to get. The way that this works in Georgia is that you will get a certain allotment, which will be taken off of a regular plan that the various health insurance companies offer. In essence, you apply with Obamacare, which will set you up in the system and award you your monthly subsidy, as well as the subsidies that are impacting on all of your medical costs.

At this point, you have the option of going through the various health insurance companies, as well as the individual policies that they offer within their systems and you pick your policy. Each month you will get a bill in the mail that shows the overall costs of the plan, minus your subsidies and you end up paying that amount. There are various coverage options that you can choose when you receive these subsidies, which all involve different amounts of coverage for things like if you need to have a surgery, or if you end up in the hospital for several days or more. This really comes down to an individual decision on your part, based on your overall health situation at the meantime and what you think it will be in the foreseeable future.

I’ve had a few plans in the past, but based on my research and advice from friends and family who also have Georgia Obamacare, I decided to go with Ambetter, where I got a very good plan that has worked out spectacularly. My subsidy was fairly large and I worked my payments out so that they are just under forty five dollars per month. Once you get your subsidy, you can click into the various health insurance companies’ pages and you will have usually three or four options for your coverage and the one I selected just happened to have the figures that I currently pay. The overall costs of going to see the doctor are anywhere from three to five dollars per month and if I have to go see a specialist, it is typically free.

I have used my coverage so far to see the doctor on more than a handful of occasions, spanning across multiple departments and perhaps the best thing about Ambetter is that they are all in one location. You can also purchase your medication at any Ambetter hospital or doctor’s office, meaning if you go in for any appointment you do not have to go to an outside pharmacy and can pick it up in the building. I pay several dollars for my medication and the pickup time is very short. Ambetter is made up of the utmost professionals and if you are looking for an Obamacare plan, you should definitely consider them.

Obamacare Dental Insurance

Many people think Dental Insurance is automatically included in your Obamacare Plan. This is not the case, 99% of the plans offer have NO adult dental insurance. If you want dental insurance it is best to buy private dental insurance.

Can I get dental coverage through the Obamacare Marketplace? 

In the Obamacare, dental coverage is included in a select few health plans. You can also get a stand-alone plan and pay a separate premium.

How do I add dental coverage to my Obamacare plan?

You can buy a dental plan through the Obamacare site ONLY when you enroll in a health plan at the same time. If you’re already enrolled in a Obamacare plan, you can’t add on dental coverage. If YOU do try and add dental coverage at this time, you will have to start and entirely new medical policy, which would mean a new policy number and a new deductible.

How can I see what dental plans and benefits are available?

After you complete your Obamacare application and get your results, you can view health plans that include dental coverage. If you decide you want a stand-alone dental plan, you can choose one after you select your health plan.

Do I have to get dental coverage for my child?

No. Dental coverage for children is an essential health benefit. This means if you’re getting health coverage for someone 18 or under, dental coverage must be available for them either as part of a health plan or as a stand-alone plan.

Can I cancel my dental coverage at any time and still keep my health coverage? It depends on what type of dental coverage you have. If you have a separate, stand-alone dental plan, you can cancel your dental coverage any time during the year by not making payments on the dental plan premium.

Remember your oral health is important. Every year millions of Americans suffer pain, abscess, disease, and even death from poor dental hygiene. The best way to have quality dental is to shop online for a quality dental plan.

Obamacare vs Private Insurance

Here are some examples of when a Short Term Health Insurance Policy may be of use. Short Term Medical is not part of Obamacare and it is offered by private health insurance companies.

An individual was laid off and lost their coverage right before open enrollment began and now they don’t have any income or insurance.

Getting laid off and losing health coverage counts as a qualifying life event which means their open enrollment goes for 60 days from the date their old policy ended However, if they cannot afford an Obamacare plan, then a private short term medical insurance might be a good fit for them to carry them through until they can become covered under their next major medical plan.

An individual did not apply for health insurance through open enrollment, and makes too much money to qualify for Medicaid.

Fortunately, the government realized that the coverage gap is a major problem for individuals who make too much to apply for Medicaid but can’t afford Obamacare plans. Consequently, they are unable to purchase discounted coverage through the exchange. Short Term Medical can bridge the gap until coverage is purchased during the next open enrollment.

An individual is in between jobs and cannot afford Obamacare.

Short term medical insurance is not regulated by the ACA, so there is still underwriting, they don’t cover pre-existing conditions, benefits are capped, and preventive care is not covered. However, STM does cover injuries and illness that can occur after the effective date. Keep in mind the private STM does not meet the individual mandate, but many conditions and injuries are covered under the policy.

Interested? Click here to get a quote on Short Term Health Insurance.

 

Health Insurance Marketplace

Our Health Insurance Marketplace will help you collect Federal subsidy and enroll in an Affordable Care Act (Obamacare) Plan. We also help people renew their coverage.

Our expertise in the Marketplace begins with our licensed enrollment specialists that are highly knowledgeable in individual and family health products. All our agents are Federally Facilitated Marketplace Agents. This means it is no cost for their advice and guidance. The “Obamacare agents” are both certified with the federal government and with the state in which they assist you. We help clients in the enrollment process for both on and off exchange products for both state and Federal exchanges.

We are also certified to assist with any over 65 who need help with Medicare enrollment.

As an added bonus we manage customer service issues for all active enrollments and assist with future renewals, plan changes, and Special Enrollments.

Added Benefits for Marketplace Health Insurance

  • Introductory Overview of ACA
  • Marketplace Phone Calls
  • Subsidy Estimation
  • Subsidy Application
  • Policy Overview
  • Marketplace Conference call Capabilities
  • Income verification assistance
  • Income change assistance
  • Online Marketplace Enrollment Assistance
  • Customer Service
  • Doctor Search / Provider Search / Hospital Network Search
  • Renewal Assistance
  • Special Enrollment Guidance

If you need help please schedule a phone call with a Marketplace representative.

Remember it is best to shop for coverage during Open Enrollment as no extra information is needed to trigger a Special Enrollment.