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4 Health Insurance Options for Students Losing Benefits

Posted Apr 15, 2014
By Jenifer Dorsey

4 Health Insurance Options for Students Losing Benefits

As the academic year winds down, some student health insurance plans may, too. Since the policy length may vary by school and the duration selected by a student (e.g., year-round, fall semester only, or spring semester only), college students should check their health insurance plan materials, find out when their policy ends and make plans accordingly. This applies whether the student is graduating or just leaving campus for the summer.

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How Do Temporary Insurance Plan Networks Work?

Posted Apr 14, 2014
By Jenifer Dorsey

How Do Temporary Insurance Plan Networks Work?

I thought temporary health insurance plans did not require you to see network providers, but the plan materials I just received talk about networks. Can you explain?
 
You are correct. The Secure Saver and Secure STM plans sold through healthedeals.com give you the flexibility to choose the doctors and clinics you prefer without network restrictions or benefit reductions. However, these temporary health insurance plans do come with access to discounted medical services through national preferred provider organization networks like:

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Are Obamacare Extensions Available?

Posted Apr 10, 2014
By Jenifer Dorsey

Are Obamacare Extensions Available?

I thought the enrollment deadline ended in March, but now I’m hearing that I can still buy ACA-compliant health insurance. Is this true?
 
It may be true, depending on where you live and why you could not meet the open-enrollment deadline.

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Do I Owe an Obamcare Tax Penalty This Year?

Posted Apr 10, 2014
By Jenifer Dorsey

Do I Owe an Obamcare Tax Penalty This Year?

I know it’s a bit last-minute, but I am now preparing my 2013 taxes and wondered if I will owe a fine. I did not enroll in an Obamcare health insurance plan and do not have health insurance through my employer.

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Uninsured Rate Drops, Those Still Among Them Have Options

Posted Apr 09, 2014
By Jenifer Dorsey

Uninsured Rate Drops, Those Still Among Them Have Options

It would seem Obamacare has been effective in reducing the number of uninsured in America. In the first quarter of 2014, the uninsured rate among those over age 18 reached 15.6 percent, its lowest recorded level since late 2008, according to a new Gallup poll.1 In a report posted at gallup.com, the organization points to the Affordable Care Act as a reason for this decline.

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Filling My April Health Insurance Gap

Posted Apr 07, 2014
By Jenifer Dorsey

Filling My April Health Insurance Gap

I just purchased health insurance through my state’s exchange and learned the policy will not be effective until May 1, 2014. My previous health insurance coverage ends this month. What if I need medical care in April? Do I have any options?
 
Your question is an important one. Some people do not realize that health insurance policies purchased March 16 through March 31, 2014, will not be inforce until May 1, 2014. If you are concerned about the coverage gap, you might consider a temporary health insurance plan.

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What to Do If You Missed Obamacare Open Enrollment

Posted Apr 03, 2014
By Jenifer Dorsey

What to Do If You Missed Obamacare Open Enrollment

The Affordable Care Act’s first health insurance open-enrollment period ended Mon., March 31, 2014, at midnight. Early reports projected Obamacare enrollment would exceed 7 million by Monday’s deadline.1 If you were not among the Americans that bought health insurance on or away from the exchanges between Oct. 1, 2013, and March 31, 2014, and do not have access to employer-sponsored health insurance, today you may find yourself uninsured.

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I Just Bought Health Insurance. Now How Do I Use It?

Posted Apr 02, 2014
By Jenifer Dorsey

I Just Bought Health Insurance. Now How Do I Use It?

With Medicaid expansion and income-based financial assistance for those who purchase health insurance through state-based and federally facilitated exchanges, many Americans may be obtaining and using health insurance for the first time. Your first doctor appointment may not be as simple as calling the clinic, showing up and then expecting the bill to be covered by your health insurance benefits. 
 
Here are a few tips to help you get started when it comes to using and getting the most out of your health insurance.

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Obamacare State Update: Texas

Posted Mar 31, 2014
By Jenifer Dorsey

Obamacare State Update: Texas

Exchange type: Federally facilitated
 
Website: HealthCare.gov
 
Medicaid expansion: No
 
Enrollment update: As of March 1, 2104, federal data showed that 295,025 Texans had selected health insurance via the Health Insurance Marketplace—they may or may not have made their first premium payment.1 Texas is among the 27 states that opted to let the Department of Health and Human Services operate its health insurance exchange.

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What are Special Enrollment Periods for Health Insurance?

Posted Mar 24, 2014
By Jenifer Dorsey

What are Special Enrollment Periods for Health Insurance?

If you’ve wondered what happens if you miss the Obamacare open-enrollment deadline or if you buy an individual health insurance plan and decide you want a different one, you may have heard the words 'special enrollment period' in response.

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