A health insurance deductible is a dollar amount that you must pay towards your medical bills before the insurance company begins paying a significant portion of the bills. Some health insurance companies make you pay the full deductible amount before offering any assistance and some offer benefits before the deductible. In either case, the deductible […]
How to Get Obamacare in 2016
Throughout my blog I have explained many different aspects of health insurance reform under the Affordable Care Act (ACA), or Obamacare. Understanding how Obamacare affects your health insurance is very important but all the knowledge in the industry does nothing if you do not know how to sign up for Obamacare. Many of my clients […]
Does Obamacare Cover Dental?
Is dental insurance included in Obamacare? The short answer: for adults it is not, but at least basic services for children will be included. Provisions under the Affordable Care Act (ACA/Obamacare) require health polices to provide dental for children. Usually, the details of the children’s dental coverage can be found in the same brochure as […]
Will a Short Term Plan Exempt You From Getting Penalized?
Due to health care reform, short term health insurance has gained a lot of popularity. These plans provide great coverage for healthy individuals and families and the plans are typically HUNDREDS of dollars cheaper than long term policies. However, short term health insurance is not considered qualified coverage and therefore could still cause you to […]
How Much Will Obamacare Cost Me?
As always, I think it is important to first recognize that “Obamacare” is simply the colloquial term used to reference many different aspects of the Affordable Care Act (ACA), and healthcare reform in general. The actual health insurance policies are still provided through private insurance companies – United HealthCare, Humana, Blue Cross Blue Shield etc. […]
