All of the categories of health insurance premium assistance – Individual and Family, Medicare, Employer Sponsored – can also help with out-of-pocket health care expenses. The programs will cover expenses that accrue to meeting the maximum out-of-pocket amount of the health plan. These costs include copayments, coinsurance, and deductibles, all of which add towards the maximum out-of-pocket amount.
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Health Insurance Options after a Divorce
Not all the below options may be available to you because some are contingent on your age, employment, or income. Those health insurance alternatives available to you are worth investigating and considering if they meet your budget or adequately address health care challenges you may be facing.
Acute Obamacare Fraud in Florida Report Alleges
The Paragon Health Institute report on fraud in the ACA enrollments is flawed and biased. The report does highlight the desperate need for affordable health insurance in many states that have not expanded Medicaid.
Jericho Share Health Care Sharing Ministry Fined, Ordered to Shut Down
Jericho Share, a purported Health Care Sharing Ministry, fined and ordered to cease operations in California.
Compare Delta Dental Enrollment Channels and Rates
The progressive cost-sharing structure rewards the plan member for persistence. The plan member continues to stay enrolled in the dental plan and is rewarded with progressively lower dental costs. The trade-off of the higher cost-share in the first couple of years is a lower monthly rate for the dental plan.
Medi-Cal Income Eligibility Increases 3% for 2024
A single adult can now have a monthly income of $1,732 per month and retain their Modified Adjusted Gross Income (MAGI) Medi-Cal. The higher monthly income, an increase of $55 over 2023, is based on 138 percent of the federal poverty level.
Blue Shield, Fix Your Billing System
Had you been near this family’s home, it would have sounded like an explosion as the Blue Shield member vented to me about the incompetent billing system of Blue Shield.
Which Metal Tier Health Plan Is Best For You?
Platinum plans can save money because they have health care and prescription drug costs half of the Gold and Silver plans. The Platinum plan only makes sense if you can reliably predict the health care and prescription drug utilization in the next year. For everyone else, without that crystal ball, a Silver or Bronze plan work better at containing health care costs.
Medi-Cal Asset Test Eliminated Beginning January 2024
Starting on January 1, 2024, assets, such as bank accounts, cash, a second vehicle, and homes, will no longer be counted when determining Medi-Cal eligibility. Income and income from assets, such as income from property, will continue to be counted. If you’re already a Medi-Cal member, this rule applies to you now, and you don’t need to report assets during your renewal.
Insurance For Your Health Plan Deductible
There are a couple of different models of the deductible insurance plans. All of the designs require the individual to meet a deductible between $1,000 to $2,000. The plan’s deductible are health care expenses you must pay before the deductible insurance is triggered. Also with the models are two different maximum benefits of either $4,000 or $6,000. In other words, the plan will cover either $4,000 or $6,000 in health care expenses in a calendar year.