Federal

I missed the open enrollment for health insurance

I missed the open enrollment for health insurance through the Marketplace, now what? Individuals and families who missed the open enrollment generally need to wait for the next open enrollment period.Since this means you will need to wait for over 10 months or so, it doesn't sound good at all. However, there are ways you can work around this.To get enroll in government-subsidized health insurance even if you miss the open enrollment, you must qualify for the special enrollment period or shortly known as the SEP. This is the only way you can get outside of the November 1 - December 15 open enrollment.There are four reasons to qualify for the SEP and each is a life event. These reasons can be as follows.DeathHaving a child/adopting a child/placing a child in foster careMa...

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Federal

Open Enrollment Period For Health Insurance

If you want to buy a health insurance policy, you can't simply enroll in one. There are certain dates issued for the enrollment period. The open enrollment period for health insurance may seem less important to you, however, there are people who suffer from lots of leg and paperwork because they miss the open enrollment periods.Open enrollment periods may be different based on the plans, people's jobs, and the health insurer's policies. Medicaid or the Children's Health Insurance does not have a specific open enrollment period because you can apply and enroll in both at any time of the year.If you want a specific health insurance plan, you can get it only when it's the open enrollment period. You can also enroll in a Medicare Advantage Plan between the period 3 months before you t...

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Federal

Do I have to buy health insurance through the Marketplace?

Since it's the U.S. we're talking about, there are millions of other options when it comes to thinking of insurance and coverage. Every person wants a good health insurance plan and may want to check every source possible. For example, there is a place called " Health Insurance Marketplace " for those who personally want to build their own healthcare plans. However, they may be some people who may want to ask this question to themselves: "Do I have to buy health insurance through the Marketplace?". Let's try to give a proper answer to this question in our post.The Health Insurance Marketplace program was launched in late 2013 in order to provide an environment in which people can choose their own affordable health insurance policy. People can simply visit healthcare.gov to see the ful...

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Federal

Best Health Insurance Outside of Marketplace

If you've already been through the Health Insurance Marketplace, this means that you already enrolled in the Original Medicare whether with Medicare Part D option. If you want to get the best health insurance outside of the marketplace, Medicare Advantage Plans are the ones that you're looking for.Medicare Advantage Plans, sometimes called Medicare Part C, are health care plans provided by private health care insurers. There are just thousands of different Medicare Advantage Plan providers with affordable offers.There are a couple of reasons for an individual to choose a Medicare Advantage Plan. The biggest reason is always better and more health care services with the lowest expenses.Almost all Medicare Advantage Plans include Medicare Part D option inside the plans' packages...

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Federal

Health Insurance Marketplace Coverage Options

According to the notice announced by the US Department of Labor, people now have a new way to buy a health insurance policy, the Health Insurance Marketplace. You and your family can now benefit from this market to build individualized health insurance. There are many Health Insurance Marketplace coverage options that you can see while navigating.You can personally visit the federal government's healthcare.gov to see every state's own Health Insurance Marketplace. Some states may not have the same UI of HIM and some may not include all kinds of coverage and payment options.What was the Health Insurance Marketplace established for?The reason why Health Insurance was established is mostly associated with people's needs. All people want to get a health insurance plan with good co...

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Federal

Health Insurance Marketplace Drug Coverage

If you are not interested in Medicare Advantage Plans or Original Medicare with prescription drug coverage (Medicare Part D), you can try Health Insurance Marketplace, especially for its good drug coverage options.The Health Insurance Marketplace is a place where private companies and other health care providers share their plans. Many states have their own Health Insurance Marketplace in which multiple private companies offer individualized health care policies.There are a couple of important elements when it comes to getting a health care policy regardless of who is going to be your health care provider. Every person's priority is always the monthly premiums that they're expected to pay for their plan.The second priority is their out-of-pocket expenses. Every consumer wants ...

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Federal

Health Insurance Marketplace Contact

There are a couple of ways to receive a health insurance plan if you live in the U.S. You can stay with Original Medicare and add Medicare Part D to your plan to benefit from prescription coverage. Or, you can enroll in a Medicare Advantage Plan which also has prescription drug coverage ( Medicare Part D) included inside the plans. However, there is also some other way to get a health insurance policy, the Health Insurance Marketplace.You can build your own individualized health insurance plan with the help of the federal government's healthcare.gov. Health Insurance Marketplace contact is not so hard since the government's healthcare.gov 7/24 shares all states' own markets for people to see.Health Insurance Marketplace is not a hard system to follow. It's actually built for peopl...

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Federal

Health Insurance Marketplace Multi-state Plans

If you are interested in private health care plans other than the Medicare Advantage Plan, you can visit the state Health Insurance Marketplace for multi-state plans. A multi-state plan was established under Section 1334 of the ACA, which stands for the Affordable Care Act, sometimes called Obamacare.The federal government agency, Office of Personnel Management administers the Multi-states program. MSP program is a very similar Health Benefits Program issued for the employees of the Federal Government. You can visit healthcare.gov to check MSP options available on the website.There are many reasons for the establishment of the MSP Program. MSP programs are administered by the OPM to:Provide better and affordable care.Create a healthier crowd and communitiesCreate competition i...

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Federal

Non-marketplace Health Insurance

If you want to enroll in a non-marketplace health insurance, you have two common options ahead. You can either buy a Medicare Part D added on your Original Medicare, or you can enroll in a Medicare Advantage Plan provided by private health insurance companies.Non-marketplace health insurance policies are now so common after the great change (Obamacare) in the government's healthcare landspace. If you do not want to deal with lots of extra costs and high amount of out-of-pocket costs, you can choose a good Medicare Advantage Plan.Medicare Advantage Plans are also called Medicare Part C and have Medicare Part D drug coverage included. The Original Medicare does not have Medicare Part D premium so it requires you to enroll in a seperate prescription drug plan.Medicare Advantage P...

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Federal

Individual Health Insurance Marketplace

The Affordable Care Act means that you are allowed to build and buy your own individualized health insurance policy via health insurance marketplace. You can simply visit your state's website for individual health insurance marketplace.The Affordable Care Act (ACA) is sometimes called Obamacare. This completely changed the health insurance and health care policy idea in the country. Multiple individual options mean that everyone can build their own individualized health care plans based on their health care needs.The best thing about this thing is that no health insurer can reject you, this is restricted by the law. You need to take some things into consideration when you build your own individualized health insurance plan:How often do you need to visit your doctor?What kind o...

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