The document provides information about health insurance plans available under the Affordable Care Act (ACA). It explains that the ACA requires plans to cover essential health benefits and offers subsidies to reduce costs for those earning 138-400% of the federal poverty level. It also summarizes the different metal-tiered plan levels (Bronze, Silver, Gold, Platinum) that vary in terms of monthly premium costs and out-of-pocket maximums. Catastrophic plans have very low premiums but only cover high-cost care and are only available for those under 30.
The document provides information about the Affordable Care Act (ACA) and enrolling in health insurance plans. It explains that the ACA provides protections like coverage for pre-existing conditions. It also describes essential health benefits that all plans must cover. The document then gives steps for enrolling including determining income level and whether to enroll on or off the exchange. It provides details on subsidies and how to calculate them. Finally, it outlines the different metal-tiered plan levels (catastrophic, bronze, silver, gold, platinum) and their coverage amounts and costs.
The document provides information about the Affordable Care Act (ACA) and enrolling in health insurance plans. It explains that the ACA provides protections like coverage for pre-existing conditions. It also outlines the essential health benefits all plans must cover. The document then gives steps for enrolling including determining income level and whether to enroll on or off the exchange. It details how subsidies work and how to calculate them. Finally, it describes the different metal-tiered plan levels (catastrophic, bronze, silver, gold, platinum) and their coverage and cost-sharing structures.
The document provides information about the Affordable Care Act (ACA) and enrolling in health insurance plans. It explains that the ACA provides protections like coverage for pre-existing conditions. It also describes essential health benefits that all plans must cover. The document then gives steps for enrolling like determining income and subsidies. It outlines the different metal-tiered plan levels (catastrophic, bronze, silver, gold, platinum) and how they vary in terms of costs and coverage. Finally, it provides contact information for RLee Insurance Solutions which can assist with enrollment.
The document provides information about enrolling in health insurance plans under the Affordable Care Act. It explains that the ACA expands coverage to those with pre-existing conditions and guarantees essential health benefits. It also discusses determining income eligibility for subsidies, how to enroll on or off the exchange, the types of available plans (bronze, silver, gold, platinum), penalties for being uninsured, and contacting an agent for assistance.
The document provides information about health insurance plans available under the Affordable Care Act (ACA). It explains that the ACA provides essential health benefits, consumer protections, and health insurance marketplaces. It also summarizes the different types of plans available - bronze, silver, gold, platinum, and catastrophic - and how they vary in terms of premium costs, deductibles, co-pays, and coverage. The document advises people to choose a plan based on their needs and income level to determine if they qualify for subsidies.
The affordable care act power point (updated) againRobin Lee
The document provides information about the Affordable Care Act (ACA) and enrolling in health insurance plans. It explains that the ACA provides protections like coverage for pre-existing conditions. It also details the essential health benefits that all plans must cover. The document guides readers through determining whether to enroll on or off the exchange marketplace and calculating subsidies. It describes the different metal-tiered plan levels (Bronze, Silver, Gold, Platinum) and their coverage amounts. Lastly, it provides contact information for RLee Insurance Solutions to assist with enrollment questions.
Understanding the ObamaCare North Carolina Health Insurance Plans
As a result of the Affordable Care Act (a.k.a. ObamaCare) the following provisions are now in place for health insurance policies with an effective date January 1, 2014 or after:Individuals cannot be declined for health insurance or charged more due to their health status or gender.
Insurance premiums are based on age, your zip code and tobacco usage.
Coverage limitations or exclusions based on pre-existing conditions are not allowed.
Elimination of annual and lifetime coverage limits.
Prohibition of declining an individual for coverage based on their participation in an approved clinical trial.
Maternity and mental health are included on all policies.
Preventative dental is covered with a $25 copay for members up to age 19. There is also some vision coverage for this age group.
Whether or not your children are students they can stay on your policy until age 26.
Introduction of the Medical Loss Ratio (MLR) which ensures that 80% of the premium dollars paid to the health insurance issuer are spend on providing health care. An insurance company that does not do this must provide rebates to their policyholders
http://www.hisonc.com/obamacare-north-carolina
10 things you must know before enrolling in obamaDuaine Owings
The document provides an overview of important information for enrolling in health insurance plans through the Affordable Care Act for 2015, including:
- Essential health benefits that must be covered by ACA plans
- Premium tax subsidies and cost-sharing reductions that many who apply qualify for
- The need to review current plans as plans may change, be discontinued, or have rate increases for 2015
The document provides information about the Affordable Care Act (ACA) and enrolling in health insurance plans. It explains that the ACA provides protections like coverage for pre-existing conditions. It also describes essential health benefits that all plans must cover. The document then gives steps for enrolling including determining income level and whether to enroll on or off the exchange. It provides details on subsidies and how to calculate them. Finally, it outlines the different metal-tiered plan levels (catastrophic, bronze, silver, gold, platinum) and their coverage amounts and costs.
The document provides information about the Affordable Care Act (ACA) and enrolling in health insurance plans. It explains that the ACA provides protections like coverage for pre-existing conditions. It also outlines the essential health benefits all plans must cover. The document then gives steps for enrolling including determining income level and whether to enroll on or off the exchange. It details how subsidies work and how to calculate them. Finally, it describes the different metal-tiered plan levels (catastrophic, bronze, silver, gold, platinum) and their coverage and cost-sharing structures.
The document provides information about the Affordable Care Act (ACA) and enrolling in health insurance plans. It explains that the ACA provides protections like coverage for pre-existing conditions. It also describes essential health benefits that all plans must cover. The document then gives steps for enrolling like determining income and subsidies. It outlines the different metal-tiered plan levels (catastrophic, bronze, silver, gold, platinum) and how they vary in terms of costs and coverage. Finally, it provides contact information for RLee Insurance Solutions which can assist with enrollment.
The document provides information about enrolling in health insurance plans under the Affordable Care Act. It explains that the ACA expands coverage to those with pre-existing conditions and guarantees essential health benefits. It also discusses determining income eligibility for subsidies, how to enroll on or off the exchange, the types of available plans (bronze, silver, gold, platinum), penalties for being uninsured, and contacting an agent for assistance.
The document provides information about health insurance plans available under the Affordable Care Act (ACA). It explains that the ACA provides essential health benefits, consumer protections, and health insurance marketplaces. It also summarizes the different types of plans available - bronze, silver, gold, platinum, and catastrophic - and how they vary in terms of premium costs, deductibles, co-pays, and coverage. The document advises people to choose a plan based on their needs and income level to determine if they qualify for subsidies.
The affordable care act power point (updated) againRobin Lee
The document provides information about the Affordable Care Act (ACA) and enrolling in health insurance plans. It explains that the ACA provides protections like coverage for pre-existing conditions. It also details the essential health benefits that all plans must cover. The document guides readers through determining whether to enroll on or off the exchange marketplace and calculating subsidies. It describes the different metal-tiered plan levels (Bronze, Silver, Gold, Platinum) and their coverage amounts. Lastly, it provides contact information for RLee Insurance Solutions to assist with enrollment questions.
Understanding the ObamaCare North Carolina Health Insurance Plans
As a result of the Affordable Care Act (a.k.a. ObamaCare) the following provisions are now in place for health insurance policies with an effective date January 1, 2014 or after:Individuals cannot be declined for health insurance or charged more due to their health status or gender.
Insurance premiums are based on age, your zip code and tobacco usage.
Coverage limitations or exclusions based on pre-existing conditions are not allowed.
Elimination of annual and lifetime coverage limits.
Prohibition of declining an individual for coverage based on their participation in an approved clinical trial.
Maternity and mental health are included on all policies.
Preventative dental is covered with a $25 copay for members up to age 19. There is also some vision coverage for this age group.
Whether or not your children are students they can stay on your policy until age 26.
Introduction of the Medical Loss Ratio (MLR) which ensures that 80% of the premium dollars paid to the health insurance issuer are spend on providing health care. An insurance company that does not do this must provide rebates to their policyholders
http://www.hisonc.com/obamacare-north-carolina
10 things you must know before enrolling in obamaDuaine Owings
The document provides an overview of important information for enrolling in health insurance plans through the Affordable Care Act for 2015, including:
- Essential health benefits that must be covered by ACA plans
- Premium tax subsidies and cost-sharing reductions that many who apply qualify for
- The need to review current plans as plans may change, be discontinued, or have rate increases for 2015
Navigating Health Insurance in the Health Care Reform Era lkennon
A presentation for large employers, small employers and individuals without employer-based insurance. The slides present the current state of health insurance for each group and the impending changes of Health Care Reform and their potential effects.
Did you know the Tax Benefits to Private Health Insurance?Diversifi
The document summarizes the tax benefits of private health insurance in Australia. It discusses the private health insurance rebate program, which provides a rebate on premiums that varies based on income and age. It also outlines other tax advantages, such as avoiding the Medicare Levy Surcharge and Lifetime Health Cover Loading by holding an appropriate level of private health insurance. Eligibility for the rebate requires having a private health insurance policy, meeting the income threshold, and qualifying for Medicare. The document provides information on calculating rebate entitlements and where to find additional details.
Economic alliance health care reform update march 5-2013Michelle Hundley
The document summarizes upcoming changes to health care reform regulations beginning in 2013, including limits on flexible spending accounts, new reporting requirements for employers, comparative effectiveness research fees, exchange notices for employees, individual mandates, employer pay or play rules, and independent contractor classifications. It also outlines additional reforms taking effect in 2014, such as state health insurance exchanges, premium subsidies, individual and employer mandates, rating limits, and cost sharing limits.
The document provides an overview of various federal, state, and local benefits programs available to individuals with disabilities or low incomes. It summarizes the eligibility requirements and services provided by key programs like Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), Medicare, Medicaid, housing assistance, food stamps, and fuel assistance at both the federal and Vermont state levels. Contact information is provided for learning more about various Vermont health programs.
This document provides information about the tax consequences of the Affordable Care Act for individuals. It discusses two new taxes enacted by the ACA - the additional 0.9% Medicare tax on wages and self-employment income and the 3.8% Net Investment Income Tax. It explains how to report minimum essential health coverage, exemptions from the coverage requirement, and how to calculate the individual shared responsibility payment for those without qualifying coverage.
Get ready for the Affordable Care Act. The light you see is the oncoming train!
Lot's of things happening, not too many answers and it will take a few years to flesh it all out.
Medicare is not free and will not cover all health care costs in retirement. A 65-year-old healthy couple can expect to spend over $200,000 on Medicare premiums alone over their retirement. Medicare has multiple parts (A, B, C, D) that cover different services, and all have premiums, deductibles, and coinsurance costs. What Medicare does not cover can be substantial, including long-term care, dental, and vision. Enrollment windows and penalties apply if not signing up during initial enrollment periods at age 65. Planning is essential to understand costs and coverage options when retiring.
Guidelines for the Colorado Health Benefit Exchange and our Federal Exchange are still up in the air. What do these various funding, administration, and oversight issues mean for employers and how will plan pricing, availability, and benefits be addressed? This presentation is designed for the Colorado business leader who needs to understand the current state of the exchanges. In this session, we’ll go over the very latest developments and how they could impact local businesses, discuss how you can create a proactive multi-year benefits strategy, and introduce resources to help you stay on top of this constantly changing landscape.
The document discusses the key provisions and impacts of the Affordable Care Act (ACA or Obamacare) including the individual mandate requiring health insurance, subsidies available for individuals and small businesses, and the different types of insurance plans that will be available through exchanges. It also provides details on how the ACA affects individuals, small businesses, penalties for failing to obtain coverage, and a small business tax credit available to help cover premium costs.
Health insurance has a language all its own.
Understanding how your insurance plan works
is something every American needs to master.
These terms are important to know to get the
most out of your health care coverage.
Health insurance marketplace waco rotary club 10.7.13WacoRotary
The document summarizes key aspects of the Affordable Care Act (ACA) and the Health Insurance Marketplace. It notes that the ACA mandates health insurance coverage and the marketplace allows individuals and small businesses to purchase plans online. It provides details on plan types, subsidies available, penalties for non-compliance, and timelines. It also discusses Texas' decision to not expand Medicaid and the impact. Finally, it proposes an education campaign by Providence Healthcare to increase awareness and enrollment in the marketplace.
This document provides information about health care exchange plans and eligibility for 2015. It outlines income thresholds for qualifying for lower premiums or Medicaid based on household size. For 1-6 person households, it lists the yearly income ranges to qualify for lower premiums or premiums and out-of-pocket costs on marketplace plans. It also provides income thresholds for Medicaid eligibility if the state expanded Medicaid. It details the individual shared responsibility payment amounts and calculations for 2014 and 2015. It lists exemptions from the individual responsibility requirement and circumstances qualifying for hardship exemptions.
This webinar focused on what the new healthcare law, the Affordable Care Act, means for small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Helping Job Hunters Navigate Their Health Insurance Optionsdpomer99
The document provides an overview of health insurance options for job hunters in Massachusetts, including COBRA, state subsidy programs, MassHealth, and the state's 2006 health reform law. It summarizes eligibility and contact information for these programs, emphasizing the importance of maintaining health insurance coverage.
These slides were part of a South Central Alabama Development Commission Facebook live training 08/21/20 describing the State Health Insurance Services provided by that agency.
Although the Affordable Care Act has benefited the health insurance consumer in many respects, it has also added to the confusion. This presentation, Given by Wanda Stephens in Raleigh, North Carolina, details some of the many facets to Obamacare in NC.
for more information visit http://www.hisonc.com/obamacare-north-carolina/
This document provides information about new health insurance options through the Health Insurance Marketplace beginning in 2014. It summarizes that the Marketplace allows people to compare and purchase private health insurance, and may offer premium tax credits. While the Marketplace is an option, employer-provided health coverage could affect eligibility for savings. Contact information is provided to learn more about options through the Marketplace or employer plan.
Health Care Reform After The Supreme Court Rulingwisdomjl
The document summarizes key aspects of the Supreme Court ruling on the Affordable Care Act and the expected impact of health care reform. It discusses the individual mandate being upheld under the taxing power, changes to insurance plans and exchanges beginning in 2014, penalties for employers not providing coverage, and increased costs and regulations for insurers, providers, and consumers. The document aims to help financial advisors and brokers understand and explain health care reform to their clients.
President Johnson signed the Medicare program into law in 1965, establishing a national health insurance program for Americans aged 65 and older. Originally, 19 million people signed up in the first year. Today, over 64 million people are enrolled in Medicare. As life expectancies increase, enrollment is projected to rise to 80 million by 2030. The document provides details on eligibility, enrollment periods, costs, and coverage under Medicare Parts A, B, D, and recent changes and options under current laws.
RLee Insurance Solutions provides information to help seniors make the right decisions about their insurance needs. The company was founded with the goal of treating seniors with respect and giving them all the facts to make well-informed choices. The document then provides details on Medicare costs, coverage, and recent changes including: 1) The Qualified Individual program is now permanent to help low-income seniors with Part B costs. 2) Social Security numbers will be removed from Medicare cards by 2019. 3) Therapy caps exceptions are extended for two years. 4) Part B premiums are projected to increase over $50 by 2023.
Navigating Health Insurance in the Health Care Reform Era lkennon
A presentation for large employers, small employers and individuals without employer-based insurance. The slides present the current state of health insurance for each group and the impending changes of Health Care Reform and their potential effects.
Did you know the Tax Benefits to Private Health Insurance?Diversifi
The document summarizes the tax benefits of private health insurance in Australia. It discusses the private health insurance rebate program, which provides a rebate on premiums that varies based on income and age. It also outlines other tax advantages, such as avoiding the Medicare Levy Surcharge and Lifetime Health Cover Loading by holding an appropriate level of private health insurance. Eligibility for the rebate requires having a private health insurance policy, meeting the income threshold, and qualifying for Medicare. The document provides information on calculating rebate entitlements and where to find additional details.
Economic alliance health care reform update march 5-2013Michelle Hundley
The document summarizes upcoming changes to health care reform regulations beginning in 2013, including limits on flexible spending accounts, new reporting requirements for employers, comparative effectiveness research fees, exchange notices for employees, individual mandates, employer pay or play rules, and independent contractor classifications. It also outlines additional reforms taking effect in 2014, such as state health insurance exchanges, premium subsidies, individual and employer mandates, rating limits, and cost sharing limits.
The document provides an overview of various federal, state, and local benefits programs available to individuals with disabilities or low incomes. It summarizes the eligibility requirements and services provided by key programs like Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), Medicare, Medicaid, housing assistance, food stamps, and fuel assistance at both the federal and Vermont state levels. Contact information is provided for learning more about various Vermont health programs.
This document provides information about the tax consequences of the Affordable Care Act for individuals. It discusses two new taxes enacted by the ACA - the additional 0.9% Medicare tax on wages and self-employment income and the 3.8% Net Investment Income Tax. It explains how to report minimum essential health coverage, exemptions from the coverage requirement, and how to calculate the individual shared responsibility payment for those without qualifying coverage.
Get ready for the Affordable Care Act. The light you see is the oncoming train!
Lot's of things happening, not too many answers and it will take a few years to flesh it all out.
Medicare is not free and will not cover all health care costs in retirement. A 65-year-old healthy couple can expect to spend over $200,000 on Medicare premiums alone over their retirement. Medicare has multiple parts (A, B, C, D) that cover different services, and all have premiums, deductibles, and coinsurance costs. What Medicare does not cover can be substantial, including long-term care, dental, and vision. Enrollment windows and penalties apply if not signing up during initial enrollment periods at age 65. Planning is essential to understand costs and coverage options when retiring.
Guidelines for the Colorado Health Benefit Exchange and our Federal Exchange are still up in the air. What do these various funding, administration, and oversight issues mean for employers and how will plan pricing, availability, and benefits be addressed? This presentation is designed for the Colorado business leader who needs to understand the current state of the exchanges. In this session, we’ll go over the very latest developments and how they could impact local businesses, discuss how you can create a proactive multi-year benefits strategy, and introduce resources to help you stay on top of this constantly changing landscape.
The document discusses the key provisions and impacts of the Affordable Care Act (ACA or Obamacare) including the individual mandate requiring health insurance, subsidies available for individuals and small businesses, and the different types of insurance plans that will be available through exchanges. It also provides details on how the ACA affects individuals, small businesses, penalties for failing to obtain coverage, and a small business tax credit available to help cover premium costs.
Health insurance has a language all its own.
Understanding how your insurance plan works
is something every American needs to master.
These terms are important to know to get the
most out of your health care coverage.
Health insurance marketplace waco rotary club 10.7.13WacoRotary
The document summarizes key aspects of the Affordable Care Act (ACA) and the Health Insurance Marketplace. It notes that the ACA mandates health insurance coverage and the marketplace allows individuals and small businesses to purchase plans online. It provides details on plan types, subsidies available, penalties for non-compliance, and timelines. It also discusses Texas' decision to not expand Medicaid and the impact. Finally, it proposes an education campaign by Providence Healthcare to increase awareness and enrollment in the marketplace.
This document provides information about health care exchange plans and eligibility for 2015. It outlines income thresholds for qualifying for lower premiums or Medicaid based on household size. For 1-6 person households, it lists the yearly income ranges to qualify for lower premiums or premiums and out-of-pocket costs on marketplace plans. It also provides income thresholds for Medicaid eligibility if the state expanded Medicaid. It details the individual shared responsibility payment amounts and calculations for 2014 and 2015. It lists exemptions from the individual responsibility requirement and circumstances qualifying for hardship exemptions.
This webinar focused on what the new healthcare law, the Affordable Care Act, means for small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Helping Job Hunters Navigate Their Health Insurance Optionsdpomer99
The document provides an overview of health insurance options for job hunters in Massachusetts, including COBRA, state subsidy programs, MassHealth, and the state's 2006 health reform law. It summarizes eligibility and contact information for these programs, emphasizing the importance of maintaining health insurance coverage.
These slides were part of a South Central Alabama Development Commission Facebook live training 08/21/20 describing the State Health Insurance Services provided by that agency.
Although the Affordable Care Act has benefited the health insurance consumer in many respects, it has also added to the confusion. This presentation, Given by Wanda Stephens in Raleigh, North Carolina, details some of the many facets to Obamacare in NC.
for more information visit http://www.hisonc.com/obamacare-north-carolina/
This document provides information about new health insurance options through the Health Insurance Marketplace beginning in 2014. It summarizes that the Marketplace allows people to compare and purchase private health insurance, and may offer premium tax credits. While the Marketplace is an option, employer-provided health coverage could affect eligibility for savings. Contact information is provided to learn more about options through the Marketplace or employer plan.
Health Care Reform After The Supreme Court Rulingwisdomjl
The document summarizes key aspects of the Supreme Court ruling on the Affordable Care Act and the expected impact of health care reform. It discusses the individual mandate being upheld under the taxing power, changes to insurance plans and exchanges beginning in 2014, penalties for employers not providing coverage, and increased costs and regulations for insurers, providers, and consumers. The document aims to help financial advisors and brokers understand and explain health care reform to their clients.
President Johnson signed the Medicare program into law in 1965, establishing a national health insurance program for Americans aged 65 and older. Originally, 19 million people signed up in the first year. Today, over 64 million people are enrolled in Medicare. As life expectancies increase, enrollment is projected to rise to 80 million by 2030. The document provides details on eligibility, enrollment periods, costs, and coverage under Medicare Parts A, B, D, and recent changes and options under current laws.
RLee Insurance Solutions provides information to help seniors make the right decisions about their insurance needs. The company was founded with the goal of treating seniors with respect and giving them all the facts to make well-informed choices. The document then provides details on Medicare costs, coverage, and recent changes including: 1) The Qualified Individual program is now permanent to help low-income seniors with Part B costs. 2) Social Security numbers will be removed from Medicare cards by 2019. 3) Therapy caps exceptions are extended for two years. 4) Part B premiums are projected to increase over $50 by 2023.
RLee Insurance Solutions provides seniors with information to help them make the right decisions about their Medicare coverage. The company was founded with the goal of treating seniors with respect and giving them all the facts they need to choose options that best suit their individual needs and budgets. The document provides an overview of Medicare costs, coverage details, and upcoming changes that seniors should be aware of when planning for their healthcare needs.
RLee Insurance Solutions provides information to help seniors make informed decisions about their insurance needs. The document discusses Medicare basics such as costs for Parts A, B, and D. It explains coverage for hospitalizations, skilled nursing facilities, medical expenses, and prescription drugs. The text also summarizes recent changes from the Medicare Access and CHIP Reauthorization Act, including permanently replacing Medicare's physician payment system and extending certain benefits. It addresses impacts on premiums and out-of-pocket costs for beneficiaries in the near future. The document aims to inform seniors about their Medicare options such as supplements, Advantage plans, and prescription drug plans.
RLee Insurance Solutions provides seniors with information to help them make the right decisions about their healthcare and insurance needs. The document discusses Medicare basics such as costs, coverage, and recent changes including the permanent replacement of Medicare's sustainable growth rate system. It also explains options like Medigap supplemental plans, Medicare Advantage plans, and Part D prescription drug plans. The goal is to give seniors the facts they need to choose solutions that best suit their individual situations.
RLee Insurance Solutions provides information to help seniors make decisions about their insurance needs. The document discusses Medicare costs and coverage, including that Part A costs $407/month for some, Part B costs vary from $104.90 to $335.70 based on income. It also summarizes what Medicare covers for hospital stays, skilled nursing facilities, medical expenses and more. The document notes gaps in Medicare coverage and increasing costs pressures on doctors from rising overhead and decreasing reimbursement rates.
RLee Insurance Solutions provides senior insurance solutions and aims to give seniors the right information to make the best decisions for themselves. The company was started because seniors were often pressured into unsuitable products. The document discusses Medicare history and costs, gaps in Medicare coverage that supplemental plans can fill, and options for Medicare Advantage plans versus original Medicare plus supplements. It emphasizes evaluating needs, costs, and doctor networks when choosing a plan.
RLee Financial Solutions provides financial solutions and insurance products to help consumers make the best decisions for their needs. The company was founded with the goal of giving people all the necessary facts and information to choose options that make the most common sense for their situation. Rather than pressure clients, the company believes in empowering people to make choices on their own when given the right guidance. The president had previously seen consumers treated as incapable and pushed into unsuitable products in his insurance career. RLee Financial Solutions aims to operate with transparency to find common sense solutions for clients.
RL Senior Consultants provides information to help seniors make informed healthcare decisions. The company was founded with the goal of treating seniors with respect and giving them all the facts needed to choose options that best suit their needs. Over the years, Medicare has expanded to cover more people and more services, but gaps still exist which supplemental insurance plans can fill. The document discusses Medicare parts A, B, and D in detail and outlines options like Medigap supplemental plans and Medicare Advantage plans that can help cover expenses. It stresses the importance of considering an individual's specific healthcare needs and usage when selecting a supplemental plan.
Michigan HealthTech Market Map 2024. Includes 7 categories: Policy Makers, Academic Innovation Centers, Digital Health Providers, Healthcare Providers, Payers / Insurance, Device Companies, Life Science Companies, Innovation Accelerators. Developed by the Michigan-Israel Business Accelerator
Let's Talk About It: Breast Cancer (What is Mindset and Does it Really Matter?)bkling
Your mindset is the way you make sense of the world around you. This lens influences the way you think, the way you feel, and how you might behave in certain situations. Let's talk about mindset myths that can get us into trouble and ways to cultivate a mindset to support your cancer survivorship in authentic ways. Let’s Talk About It!
MBC Support Group for Black Women – Insights in Genetic Testing.pdfbkling
Christina Spears, breast cancer genetic counselor at the Ohio State University Comprehensive Cancer Center, joined us for the MBC Support Group for Black Women to discuss the importance of genetic testing in communities of color and answer pressing questions.
International Cancer Survivors Day is celebrated during June, placing the spotlight not only on cancer survivors, but also their caregivers.
CANSA has compiled a list of tips and guidelines of support:
https://cansa.org.za/who-cares-for-cancer-patients-caregivers/
PET CT beginners Guide covers some of the underrepresented topics in PET CTMiadAlsulami
This lecture briefly covers some of the underrepresented topics in Molecular imaging with cases , such as:
- Primary pleural tumors and pleural metastases.
- Distinguishing between MPM and Talc Pleurodesis.
- Urological tumors.
- The role of FDG PET in NET.
Unlocking the Secrets to Safe Patient Handling.pdfLift Ability
Furthermore, the time constraints and workload in healthcare settings can make it challenging for caregivers to prioritise safe patient handling Australia practices, leading to shortcuts and increased risks.
Trauma Outpatient Center is a comprehensive facility dedicated to addressing mental health challenges and providing medication-assisted treatment. We offer a diverse range of services aimed at assisting individuals in overcoming addiction, mental health disorders, and related obstacles. Our team consists of seasoned professionals who are both experienced and compassionate, committed to delivering the highest standard of care to our clients. By utilizing evidence-based treatment methods, we strive to help our clients achieve their goals and lead healthier, more fulfilling lives.
Our mission is to provide a safe and supportive environment where our clients can receive the highest quality of care. We are dedicated to assisting our clients in reaching their objectives and improving their overall well-being. We prioritize our clients' needs and individualize treatment plans to ensure they receive tailored care. Our approach is rooted in evidence-based practices proven effective in treating addiction and mental health disorders.
Stem Cell Solutions: Dr. David Greene's Path to Non-Surgical Cardiac CareDr. David Greene Arizona
Explore the groundbreaking work of Dr. David Greene, a pioneer in regenerative medicine, who is revolutionizing the field of cardiology through stem cell therapy in Arizona. This ppt delves into how Dr. Greene's innovative approach is providing non-surgical, effective treatments for heart disease, using the body's own cells to repair heart damage and improve patient outcomes. Learn about the science behind stem cell therapy, its benefits over traditional cardiac surgeries, and the promising future it holds for modern medicine. Join us as we uncover how Dr. Greene's commitment to stem cell research and therapy is setting new standards in healthcare and offering new hope to cardiac patients.
Healthy Eating Habits:
Understanding Nutrition Labels: Teaches how to read and interpret food labels, focusing on serving sizes, calorie intake, and nutrients to limit or include.
Tips for Healthy Eating: Offers practical advice such as incorporating a variety of foods, practicing moderation, staying hydrated, and eating mindfully.
Benefits of Regular Exercise:
Physical Benefits: Discusses how exercise aids in weight management, muscle and bone health, cardiovascular health, and flexibility.
Mental Benefits: Explains the psychological advantages, including stress reduction, improved mood, and better sleep.
Tips for Staying Active:
Encourages consistency, variety in exercises, setting realistic goals, and finding enjoyable activities to maintain motivation.
Maintaining a Balanced Lifestyle:
Integrating Nutrition and Exercise: Suggests meal planning and incorporating physical activity into daily routines.
Monitoring Progress: Recommends tracking food intake and exercise, regular health check-ups, and provides tips for achieving balance, such as getting sufficient sleep, managing stress, and staying socially active.
INFECTION OF THE BRAIN -ENCEPHALITIS ( PPT)blessyjannu21
Neurological system includes brain and spinal cord. It plays an important role in functioning of our body. Encephalitis is the inflammation of the brain. Causes include viral infections, infections from insect bites or an autoimmune reaction that affects the brain. It can be life-threatening or cause long-term complications. Treatment varies, but most people require hospitalization so they can receive intensive treatment, including life support.
About this webinar: This talk will introduce what cancer rehabilitation is, where it fits into the cancer trajectory, and who can benefit from it. In addition, the current landscape of cancer rehabilitation in Canada will be discussed and the need for advocacy to increase access to this essential component of cancer care.
Under Pressure : Kenneth Kruk's StrategyKenneth Kruk
Kenneth Kruk's story of transforming challenges into opportunities by leading successful medical record transitions and bridging scientific knowledge gaps during COVID-19.
2. How does the ACA improve my health
care?
• Provides health insurance to those that were once considered ‘uninsurable’ with pre-
exiting health conditions.
• Provides for certain protections and rights to make your coverage fairer and easier to
understand.
• Provides for a health care Marketplace for an easier shopping experience.
• Holds insurance companies accountable for rate increases.
• Makes it illegal for health insurance companies to arbitrarily cancel your health
insurance.
• Covers young adults under 26.
• Provides free preventive care.
• Ends lifetime and years dollar limits.
• Guarantees your right to appeal
Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)
3. What will my new policy cover?
All private health insurance plans offered in the Marketplace will offer the same set of essential health benefits. These are
services all plans must cover.
The essential health benefits include at least the following items and services:
• Ambulatory patient services (outpatient care you get without being admitted to a hospital)
• Emergency services
• Hospitalization (such as surgery)
• Maternity and newborn care (care before and after your baby is born)
• Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and
psychotherapy)
• Prescription drugs
• Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or
chronic conditions gain or recover mental and physical skills)
• Laboratory services
• Preventive and wellness services and chronic disease management
• Pediatric services
4. OK so how do I start ?
First thing you need to figure out if you qualify for a federal subsidy…
• If your income is between 138% - 400% of the federal poverty level then you may qualify for
a federal subsidy, premium assistance tax credit. It was put into place to help reduce the cost
of premiums; this subsidy may only be applied to “on exchange” plans. Since you can only
use your subsidy with plans that are “on exchange” and you must enroll through the
government website Healthcare.gov or go enroll through a third-party site that has a broker
link to the federal site. In some case if the mid-level silver plans in your area are below
certain guidelines, (2.03%-9.66%) of the applicant's wages, it could affect their ability to
qualify for a subsidy.
• If your income is above 138% - 400% of the federal poverty level, you may apply for either
“on exchange” or “off exchange” plans. If you choose to enroll in a “on exchange” plan, then
you must go through the Healthcare.gov or a broker linked site to enroll. Plans that are “off
exchange” may be purchased through various web sites.
• Lastly if your income is below 138% of the poverty level you do not qualify for a subsidy and
in many cases, you can enroll for Medicaid through Healthcare.gov or your State web site.
You may also choose to buy an “off exchange” plan since no subsidy is involved.
5. Just what is a subsidy?
The ‘subsidy’ or Advance Premium Tax Credit (APTC) is actually an advance on next years
tax return based on your ‘projected’ income for this year. You can choose to use this tax
credit in any one of 3 different ways.
1. You can use the entire monthly credit to reduce your out-of-pocket expense for you
monthly health premium.
2. You could use only a portion of your credit and pay more out of pocket for your health
premiums each month, you would then get the remainder at the end of the year with a
high tax return, this is a good option if you are unsure of the coming year’s income.
3. You could choose to not use your monthly tax credit at all and receive the entire amount
at the end of the year on your tax return.
*Keep in mind if you misjudge your income for the year, you could be a position where you
would owe part of your APTC back to the government. Always report any change in income
levels as soon as possible the Federally Facilitated Marketplace at 1-800-318-2596, they
can adjust your monthly APTC to the appropriate amount for you.
6. How to calculate my subsidy?
• First determine how many in your
family/household.
• Second calculate your modified
adjusted gross income(MAGI).
• Third use a subsidy calculator to
enter these numbers and find
your subsidy.
**IMPORTANT** It's important to remember that
qualifying incomes levels are linked to the price of
silver plans in YOUR area. If more affordable silver
plans are available the amount you can make and
still get a subsidy will be reduced.
Family size 100% 138% 250% 400%
1 $13,590 $18,347 $33,975 $54,360
2 $18,310 $25,268 $45,775 $73,240
3 $23,030 $31,781 $57,575 $92,120
4 $27,750 $38,295 $69,375 $111,000
5 $32,470 $44,809 $81,175 $129,880
6 $37,190 $51,322 $92,975 $148,760
7 $41,910 $57,836 $104,775 $167,640
8 $46,630 $64,349 $116,575 $186,520
2022 Federal Poverty Levels based on number in household
7. Where do I find my MAGI?...
1040A
Basically, this is the income you make before
all of your deductions, and adding back a few
that you have taken, like interest from
student loans and IRA contributions.
8. What are Federal Cost-Sharing Subsidies?
Individuals with a household income of 138-250 percent of the federal poverty line,
who enroll in a plan through the exchange, Healthcare.gov, are eligible for a cost
sharing subsidy. Under the 2022 federal poverty guidelines, the annual income
thresholds to qualify are: $18,754 for individuals; $25,268 for couples; $31,781 for a
family of three; and $38,295 for a family of four.
Cost sharing subsidies are designed to minimize out-of-pocket costs by reducing the
amount individuals have to pay for deductibles, co-payments or co-insurance, and
maximum out of pocket expenses. The amount of the reduction depends on the
insured’s household income.
For those with incomes between 138% and 200% of poverty, a 2/3 reduction applies.
For others, the reduction in the limit is either ½ or 1/3, depending on income. The
precise amount by which an individual’s out of pocket maximum is reduced by this
assistance depends on what the maximum is for the plan in which they are enrolled.
• To receive a Cost-Sharing subsidy you have to have a Silver Plan, as these are the
only eligible plans for this subsidy.
9. My spouse is offered health insurance at work,
but it is unaffordable for the whole family. Do
we qualify?
This scenario is referred to as the “Family Glitch”. Employers often cover at least 50%
of the health premium for the employee, but not the spouse or whole family. This can
leave insurance premiums outside the reach of many of their employee’s families.
• Starting November 1st, 2022, the HHS issued new guidance for applying the
affordability rule to families. If the cost of the employer offered plan exceeds 9.12%
of the employee's gross income the employee can applying for a subsidy on the
healthcare exchange.
• If the employer plan is within the 9.12% for the employee, the employee would not
qualify for a subsidy, BUT if the cost for a spouse and/or family plan exceeds 9.12%
of the HOUSHOLD income the spouse and family WOULD qualify for a federal
subsidy and buy a plan from the Marketplace.
• If the employer offers more than one plan, the least expensive plan would be the
one used in testing for affordability.
10. But which plan?
The new plans will be labeled with “metallic” names, bronze, silver,
gold, and platinum. There is also one more plan labeled “catastrophic”
but only certain folks may apply for them.
• Each plan will have a deductible, an amount you must pay before
benefits are triggered.
• After you have satisfied the deductible, you will have to pay a co-pay,
or coinsurance, a set percentage of your bill.
• The good news each plan does have a maximum amount listed that
you would have to pay. Should your health expenses exceed the
maximum out of packet amount your plan will generally pay all
remaining medical expenses.
11. The Plans…
Catastrophic Plans
A catastrophic plan generally requires you to pay
all of your medical costs up to a certain amount,
usually several thousand dollars. Costs for
essential health benefits over that are generally
paid by the insurance company.
These policies usually have lower premiums than
a comprehensive plan, but cover you only if you
need a lot of care. They basically protect you
from worst-case scenarios.
• Only people under 30 may apply for them.
• You may apply for a hardship exemption if
over 30
*Not a subsidy eligible plan
Bronze Plans
Generally speaking, the Bronze Plan is
intended to have the lowest premium of the 4
new categories of plans but charge the
highest out-of-pocket costs for healthcare
services. For people without group insurance
from an employer or other group, the Bronze
plan is the minimum health insurance plan in
which they can enroll that will satisfy the
Affordable Care Act’s mandate for people to
purchase health insurance.
• Plans often have high deductibles.
• Co-pay is at the 60/40 level
12. The Plans…
Silver Plans
The Silver Plans have lower out-of-pocket
costs than the Bronze Plans but higher out- of-
pocket costs than both the Gold and Platinum
Plans. All Silver Plans share the same
minimum health benefits but the way they
charge out-of-pocket costs can differ
significantly.
• Subsidies in your state are based on Silver
plans in your state.
• Co-pay is at the 70/30 level
Gold Plans
The Gold Plan is one of the two plan types
that an insurance company must offer in
order to participate in a health insurance
exchange. A health insurance exchange is a
state marketplace for health insurance plans
meeting the ACA requirements.
One of the issues that the government intends
to monitor is whether Gold and Platinum
plans attract more sickly enrollees and drive
up premiums.
• These plans have the second lowest out-of-
pockets of the metallic plans.
• Co-pay is at the 80/20 level
13. The Plans…
Platinum Plans
Since the Platinum Plan has the most
generous cost-sharing for enrollees, it is
expected that these plans will typically have
the highest premiums when compared to the
Bronze, Silver, and Gold plans.
It will be important to compare premiums
among different insurance companies
offering Platinum Plans. Moreover,
deductibles and copayments will also differ
among Platinum Plans. This is perfectly
acceptable as long as the Platinum Plan
covers 90% of healthcare expenses for a
standard population.
• Co-pay is at the 90/10 level
Platinum
Gold
Silver
Bronze
Catastrophic
Most
Expensive
Least
Expensive
Most
Coverage
Least
Coverage
14. RLee Insurance Solutions
Located just off IN 26 in Lafayette
Indiana, we are easy to find with ample
parking and our facility is handicapped
accessible. Click here for easy Directions
34 Executive Dr.
Suite C
Lafayette, IN 47905
Phone: 765-746-6459
Web: https://rleeinsurancesolutions.com
Email: robinlee@robinleeins.com
Our office Location