Healthcare.gov Unplugged: Learn what's working and how to apply for a health plan at Healthcare.gov

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This is a condensed version of the 20 minute webinar available for viewing at 10 am, 2 pm, and 7 pm at http://TheMedicalInsuranceExchange.com.

Learn what is and isn't working at Healthcare.gov, and learn how to get the Health Plan You Want (And Find Out if Uncle Sam Will Help You Pay for It! )

For more information or to re schedule a meeting or live presentation to your business or group, contact Mike Chapman at (214)764-6315 or mtchapman@endeavorgroup.net.

Schedule a health insurance enrollment for you, your family or your business by contacting Mike Chapman today.

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Healthcare.gov Unplugged: Learn what's working and how to apply for a health plan at Healthcare.gov

  1. 1. Healthcare.gov Unplugged REGISTER TO ATTEND A 20 MINUTE WEBINAR At http://www.TheMedicalInsuranceExchange.com • Webinars run daily through March 31st at following times: • • 10 am, 2 pm, 7 pm. Register for the webinar date/time that best suits your schedule. • Call (214)764-6315 to schedule a live presentation for your group or company.
  2. 2. • • • • Here are my credentials: Since 2003, licensed TX insurance broker, TX License # 1235220, National Producer #7751382. Certified by Health and Human Services and Center for Medicare Services to help individuals qualify and apply for the IRS health insurance premium tax credit (subsidy), and to help them select and enroll in a plan. In 2013, spoke to 76 different business, civic, professional and religious groups to explain The Affordable Care Act. Ranked in top 1% of all agents in TX for ACA enrollments by the largest health insurance carrier in the state of Texas. I don’t recommend it, but if you decide to enroll yourself, if you enter my name and the information below during your Healthcare.gov application, I will be your broker of record and will be available to assist and support you throughout the year.
  3. 3. My Contact Information: • Mike Chapman, TheMedicalInsuranceExchange.com 6505 West Park Blvd, Suite 306-312, Plano, TX 75093 (214) 764-6315 office, (214) 732-3691 cell, mtchapman@endeavorgroup.net • I am a subject matter expert and frequent public speaker on healthcare and insurance matters and a frequent. I specialize in health, life, and other personal lines of insurance and employee benefits for businesses. • There is no cost for my services; you pay the same rate as you would anywhere else, but I support my clients with expert advice and support throughout the year. And I can save you hours of time and frustration, and prevent you from making a bad decision. • (Note: I am paid a small commission directly from any insurance carrier that you select that enables me that enables me to support my family and continue to support, educate and assist the great people in the community of North Texas.)
  4. 4. Healthcare.gov 10/1/2013-12/7/2013 © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  5. 5. What is a Qualified Health Plan (QHP)? ACA is a GAME CHANGER: • • Guaranteed issue No “Rate Ups” for Risk or Conditions © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  6. 6. What is a Qualified Health Plan (QHP)? Essential Health Benefits Ambulatory patient services Emergency services Hospitalization Maternity and newborn care Mental health and substance use disorder services, including behavioral health treatment • Prescription drugs • • • • • © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  7. 7. What is a Qualified Health Plan (QHP)? Essential Health Benefits, contd.: • Rehabilitative and habilitative services and devices • Laboratory services • Preventive and wellness services; chronic disease management • Pediatric services, including oral and vision care © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  8. 8. What is a Qualified Health Plan (QHP)? Tons of Wellness & Preventative • • • • • 100% paid if go to an in-network provider Adult Women Children + Obesity, smoking cessation, alcohol/substance abuse counseling, + serious mental and emotional. © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  9. 9. Healthcare Reform From Now On… • Individual QHP Health Plans are as comprehensive as employer plans… • Individual QHP Plans Offer wider choices than an employer plan, but you have to choose… • Individual QHP Health Plans are as expensive as employer plans, unless… © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  10. 10. What’s better than Guaranteed Issue? Uncle Sam May Even Help You Pay For It! …But if you don’t buy one, you’ll pay a tax penalty! © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  11. 11. Ever taken a tax deduction for… • • • • • A House? A New Car? Business Expense? Job Search Expense? A Child or Spouse? © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  12. 12. Have You Ever… • Received Unemployment Compensation? • Taken a Student Loan? • Federal Scholarship? © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  13. 13. What’s The Difference? • Between a Deduction and a Grant? • Between a Deduction and a Tax Credit? • Which is Better? © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  14. 14. Remember This? © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  15. 15. Now This: © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  16. 16. What’s The Point? EVERYONE takes deductions and tax credits and receives some form of govt. assistance. © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  17. 17. What’s The Point? Don’t be too proud or afraid to do something that is legal and is in your own and your family’s best interest… © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  18. 18. What’s The Point? • …It may not be around forever! © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  19. 19. What is The ACA Open Enrollment Period? • For 2014, through 3/31/2014, or… • The Following Qualifying Events: • Loss of employer health plan • Loss of Income • (Ins. Costs more than 9.5% of Employee Only Covg. • Death, Divorce, Remarriage, Birth, etc. © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  20. 20. What Open Enrollment Period Means • Means You Can Sign Up for Guaranteed Issue Health Coverage, No Matter How Sick Or Healthy. • BUT NO PREMIUM SUBSIDY IF EITHER SPOUSE IS ELIGIBLE FOR A GROUP HEALTH PLAN OR IF EITHER SPOUSE IS COBRA-ELIGIBLE © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  21. 21. Let’s look at Obamacare Subsidies (IRS Premium Tax Credit)… • IRS premium Tax credit is the subsidy that, if eligible based on household size and 2014 household adjusted income, Reduces the cost of your health insurance. • You can use all, some, or none of the subsidy to reduce the cost of your health insurance premiums. • --99% of applicants choose to use “all” of the subsidy. © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  22. 22. Let’s look at Obamacare Subsidies (IRS Premium Tax Credit)… • The Subsidy (IRS Premium Tax Credit) Is Based on What YOUR WHOLE FAMILY projects as ADJUSTED GROSS INCOME for 2014. • You must project for 2014-- The subsidy is NOT based on your 2012 or 2013 adjusted gross income. © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  23. 23. Let’s look at Obamacare Subsidies (IRS Premium Tax Credit)… Household Income Sources: • W-2 Wages, 1099 income from ALL family members • Self-employment income • Unemployment, Workers Comp, Disability Income • 401k, IRA, Pension Retirement Withdrawals © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  24. 24. Let’s look at Obamacare Subsidies (IRS Premium Tax Credit)… • The Subsidy (IRS Premium Tax Credit) Is Based on Your 2014 ADJUSTED GROSS INCOME: © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  25. 25. Let’s look at IRS Definition of Adjusted Household Gross Income • Line 37 of IRS pub. 1040 IS AFTER SCHEDULE C itemized deductions and other adjustments. © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  26. 26. ACA (Obamacare) Decisions • What Do I Project My Income to be for 2014? • What Level of Coverage do I Need, Want and can Afford? • How Can I Make the Best Decisions for me and My Family? • How and Where Can I Enroll Quickly? • How and Where Can I Get Professional Help? © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  27. 27. Let’s look at rates and plans… • Click on the red icon at http://TheMedicalInsuranceExchange.com • Enter your Name, email, dates of birth and home zip code to view details of all available ACA plans in Texas. • Don’t be fooled by focusing on price alone ….There’s Huge Differences in Doctor/Hospital Networks between carriers and plans. © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  28. 28. Let’s look at rates and plans… • Don’t be fooled by focusing on price alone ….There’s Huge Differences in Doctor/Hospital Networks between carriers and plans: • Humana – Not in Marketplace in N. Texas • Aetna – Has not announced which Drs., Hospitals are in their ACA Network • Cigna – “Skinny PPO network” (Local Plus) • Only in Metro areas of TX, FL, CA, TN • Fewer Drs., Hospitals © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  29. 29. How Can I Enroll? • • • Healthcare.gov – Only place to get a subsidy Health Insurance Carrier Websites Licensed, trained, certified TX agent who specializes in this and services clients year around with advice and support. © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  30. 30. How Can I Enroll? • • • Do it Yourself Navigators, temporary call center agents (most are not in TX) Licensed, trained, certified TX agent who specializes in this and services clients year around with advice and support. © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  31. 31. How Can I Enroll? • • • • Online In Person By Phone Or… © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  32. 32. How Can I Enroll? • By appointment on a private webinar with a Licensed, trained, certified TX agent who specializes in this and services clients year around with advice and support. © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  33. 33. Big Webinar Advantage: • Licensed, trained, certified TX agent who specializes in this and services clients year around with advice and support. • Through screen sharing, you understand better and faster and speed through the subsidy application and plan enrollment. © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  34. 34. Big Webinar Advantage: • • • Maximizes your time, you never have to leave home. Can enroll evenings and weekends, leaving your daytime hours free. Average enrollment time + questions/answers takes 1 to 1 ½ hours, takes much less than if you did it yourself or traveled to meet with a navigator or even an agent. © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  35. 35. Best “Unofficial” subsidy calculator available here: • • • To View Rates and Plans for ALL ACA plans in North Texas: • Click on the • icon on any page at TheMedicalInsuranceExchange.com, and enter your information. To Download TheMedicalInsuranceExchange TroubleFree Guide to Obamacare Enrollment: • • Click on the “Apply for Obamacare Health Insurance Here” banner at http://TheMedicalInsuranceExchange.com and download the pdf document. To schedule an appointment for a private webinar consultation and enrollment in subsidy and/or health plan: • • • http://TheMedicalInsuranceExchange.com/obamacare-subsidy-calculator/ Or http://goo.gl/LbldeU Send email to mtchapman@endeavorgroup.net, with “Obamacare Enrollment Request” in the Subject line. Include your name and best phone #, home zip code and date(s) of birth. Mike Chapman, (214) 764-6315 office, (214) 732-3691 cell, mtchapman@endeavorgroup.net
  36. 36. Don’t Delay!!! Open Enrollment Deadlines: • Apply by 2/15/14 for coverage effective 3/1/14. • Apply by 3/15/14 for coverage effective 4/1/14. • Apply by 3/31/14 for coverage effective 5/1/14. Open Enrollment Ends March 31st © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  37. 37. Obamacare CheatSheet: Click on the “Apply for Obamacare Health Insurance Here” banner at http://TheMedicalInsuranceExchange.com and download the pdf document. (Download and print the paper application on same page but use as an organizer only.)
  38. 38. How Can I Make an Enrollment Appointment? • • • • • Email mtchapman@endeavorgroup.net Put “Obamacare Enrollment Request” in subject line. Include family names, email, phone #, home zip and dates of birth Will send in emails with documents you need, along with rates for your family, plus updates. Will follow up with info on online enrollment and enrollment centers when govt. technology is working. © 2013 Michael Chapman, GroupBenefitsAdvisors.com
  39. 39. My Contact Information: • Mike Chapman, TheMedicalInsuranceExchange.com 6505 West Park Blvd, Suite 306-312, Plano, TX 75093 (214) 764-6315 office, (214) 732-3691 cell, mtchapman@endeavorgroup.net • I am a subject matter expert and frequent public speaker on healthcare and insurance matters and a frequent. I specialize in health, life, and other personal lines of insurance and employee benefits for businesses. • There is no cost for my services; you pay the same rate as you would anywhere else, but I support my clients with expert advice and support throughout the year. And I can save you hours of time and frustration, and prevent you from making a bad decision. • (Note: I am paid a small commission directly from any insurance carrier that you select that enables me that enables me to support my family and continue to support, educate and assist the great people in the community of North Texas.)
  40. 40. Action Steps • Register for the 20 minute webinar at http://www.TheMedicalInsuranceExchange.com • Contact Mike Chapman at (214)764-6315 to speak to your company or group. • Forward This Information to People You Know or What Companies Do You Know That Could Benefit. © 2013 Michael Chapman, GroupBenefitsAdvisors.com

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