Ryan Kennelly
I received my ID cards in the mail but they only have my name on them and not my spouse’s. Can I get another ID card with their name on it?
I’m enrolling in a BCBSIL HMO plan. What happens if I don’t select a primary care physician (PCP) or a medical group (MG)?
I am interested in the Blue Precision HMO. Would I be covered if I went to Walgreens for a flu shot? Does the plan include the Walgreens walk in clinics? What Happens if I get sick if I am out of Town?
What Happens if my Insurance Carrier Discontinues the Plan I was on?
In the event that your insurance carrier decides to no longer offer your plan, they will inform you before the next open enrollment period begins. Unless the carrier is exiting the market, they should also “match” you with a comparable plan for next year. Your current plan is always locked in until the end of …
What pharmacies are considered in-network with my BCBSIL Part D Prescription Drug Plan?
The major pharmacies in Illinois part of the BCBSIL Part D pharmacy network are: Albertson’s (Jewel Osco) Walgreens Walmart
What Classifies as a Dependent for Healthcare Coverage?
The New Definition of Dependent The Working Families Tax Relief Act of 2004 (“WFTRA”) went into effect on January 1, 2005 and changed the definition of eligible dependent for purposes of health benefit plans. WFTRA modified IRS Code Section 152, which governs who may receive tax-favored health coverage. Under these rules, to be an eligible …
What is Medicare?
Medicare is a national social insurance program, administered by the U.S. federal government since 1966, currently using about 30-50 private insurance companies across the United States under contract for administration. United States Medicare is funded by a Payroll Tax, premiums and surtaxes from beneficiaries, and general revenue. It provides health insurance for Americans aged 65 …
What is Medicaid?
Medicaid in the United States is a social health care program for families and individuals with limited resources. The Health Insurance Association of America describes Medicaid as a “government insurance program for persons of all ages whose income and resources are insufficient to pay for health care”. Medicaid is the largest source of funding for …
What is a Health Savings Plan? (HSA)
*A health savings account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP). The funds contributed to an account are not subject to federal income tax at the time of deposit. Unlike a flexible spending account (FSA), HSA funds roll over …