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What is a guaranteed issue health insurance plan?

Guaranteed-issue health insurance accepts all applicants. In its pure form, guaranteed issue treats a group of applicants as a group. Upon accepting every applicant, guaranteed issue needs an equal playing field. The insurers must use community rating and offer identical terms, prices, and coverage to each member to promote the ideal of maximum inclusion. Guaranteed […]

What is a grandfathered medical plan?

A Grandfathered health plan is one that existed before the Affordable Care Act, and that the rules excused from meeting all of the requirements of the law. Grandfathered plans may continue to serve the membership existing as of the time Obamacare went into effect. The Individual Mandate The Affordable Care Act required every eligible resident […]

What is “actuarial value” in health insurance?

The Affordable Care Act reformed the insurance industry by requiring better policy coverage for consumers. The law sought to ban flimsy policies that provided far less protection than was needed for prices that far outweighed their value. Congress weighed facts and evidence about cost sharing in major medical coverage among large groups and public employees. […]

What happens if I don’t want health insurance?

If you choose not to purchase health insurance, you will most likely be responsible for paying the individual mandate penalty fine. This is a monthly fee, so you will only pay 1/12 of the annual fee for each individual month that you went without insurance. You have to pay it when you file your federal […]

How do you provide proof of health insurance?

You may have stayed in compliance and good health when it comes to maintaining health insurance, but the process of letting the IRS see the proof is mandatory in some cases. Tax time is what the IRS has set aside as the time to make sure everyone has maintained proper amounts of health insurance, or […]

What is a Cadillac medical plan?

Some health plans provide unusually thorough and complete coverage. They often have no deductibles, charge few if any copays, and ask little or no coinsurance. The benefits are extensive and coverage for nearly every condition or illness. These so-called high-end, or Cadillac plans, reward policyholders with benefits equivalent to $thousands in additional income. As untaxed […]

What is a single payer health insurance plan?

Single payer is a fund that pays healthcare costs for a group. In national healthcare settings, single payer funds pay medical costs for every eligible resident of a state or nation. The single payer fund can work with many types of medical care arrangements. Single-payer national health insurance is an option for the US healthcare […]

What is a medical insurance rider?

A medical insurance rider is an amendment to a standard contract for health insurance. The rider can either add or exclude coverage for some particular condition, body system or body part. The practice of riders was regulated by state insurance authorities. States approved a wide range of additions and exclusions as insurers picked and selected […]

What are the good and bad things about Obamacare?

On balance, millions of uninsured Americans got insurance coverage and a chance at regular medical care. Obamacare was a major change in the health care laws and the industry itself. The law covered the entire population of citizens and legal residents. As a piece of planning and legislation, it was a massive undertaking. The ACA […]

Can I get dental insurance through Obamacare?

Is dental insurance a required benefit under the Affordable Care Act? Dental insurance for adults is not a required benefit under the Affordable Care Act but you can purchase a plan through the healthcare exchange marketplace. You can purchase a stand-alone plan or a health plan with dental coverage included. You are not able to […]

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