If you’re a Medicare beneficiary who’s recently moved, your coverage could be impacted. Fortunately, there is a Special Election Period (SEP) that addresses moving. So you can feel free to move about the country while maintaining the best Medicare plan for you! Identifying the SEP that applies to your special circumstances and making changes to …
You may want to choose a platinum plan if you expect your medical expenses to be substantial and want the lowest deductible possible in order to access your plan benefits as early in the year as possible. Typically, you will pay the most in monthly premium with a platinum health insurance policy, however, nearly all other costs …
You may want to choose a gold plan if you make frequent trips to the doctor, have chronic health conditions that require ongoing medical attention, and want a lower deductible so you can access your benefits earlier in the year. Remember, you’ll be paying a higher premium each month.[1] Not sure if this plan is the …
You might consider a silver plan if you wish to use your health insurance for minimal preventive care during the year but don’t require regular visits to the doctor, such as to manage a chronic health condition. If you qualify for a cost-sharing reduction you will want to select a silver plan from the ACA federal marketplace or your state …
You may want to choose a bronze plan if you tend to use very few healthcare services and primarily want a health plan for serious, unexpected illnesses or injuries. You will pay for more of your routine care out of pocket, and will generally have higher out-of-pocket costs when you need medical care. However, you’ll have a …
The Affordable Care Act’s (ACA) introduced to a new way of selecting health insurance: by actuarial tier, more commonly referred to as “metal level.” Individual major medical health insurance plans on the market today are categorized into four tiers based on how covered medical costs are shared between the health insurance policy and you, the policyholder. It has …
The Department of Health and Human Services (HHS) will open HealthCare.gov for a special Open Enrollment (OE), from February 15, 2021 – May 15, 2021. This special OE will allow individuals and families in states with Marketplaces served by the HealthCare.gov platform to enroll in 2021 health insurance coverage. The special OE will be offered …
Over the course of the pandemic, Cigna has taken bold actions to remove uncertainty and make health care easier offering peace of mind to all of those we serve. As COVID-19 vaccine availability increases, we are moving to normalize benefits to further our mission of affordable, predictable, and simple health care for all of our …
Before opening a Lively HSA, the individual must meet the criteria below: Be covered by a qualifying High-Deductible Health Plan.1 Not be concurrently enrolled in any other non-HSA qualified health insurance plan.2 Not have or be eligible for reimbursement under a general-purpose Flexible Spending Account (FSA). Exception: A limited-purpose FSA for dental, vision, and/or dependent care is allowed if their …
By Kelsey Waddill January 20, 2021 Extending and increasing premium subsidies for COBRA and Affordable Care Act enrollees would cost approximately $57.0 billion over the next three years and may lower insurance. The Biden Administration’s coronavirus relief plan seeks to expand healthcare coverage during the pandemic by increasing and extending COBRA and Affordable Care Act premium …
We’d be happy to have your join our team of independent agents.
JOIN NOW