The press and politicians have confused America with a new vocabulary for health insurance. This presentation was originally meant for the ladies in the Fort Bend chapter of ABWA. It was designed to help them understand the new terms that are being used and ultimately to understand what the press and politicians are actually saying. The goal is to allow them to form their own opinions about the new Health Care Law and not be forced to rely on someone else to make up their minds.

16. NON-FINANCIAL
 PREGNANT WOMEN
 PARENT/GURADIAN < 18
 DISABLED
 > 65
 U.S. CITIZEN or LAWFUL ALIEN
FINANCIAL
 PREGNANT WOMEN &
NEWBORN 185% of FPL
 CHILDREN AGE 1-5
133% of FPL
 CHILDREN AGE 6-18
100% of FPL

17. MEDICAID ALSO
PAYS THE
LARGEST
PERCENT OF
LONG TERM
CARE BILLS FOR
THE ELDERLY

27. $6350 for individuals / $12,700 for families
Only when a network provider is used.

31. 2015 PENALTY
2% of household income above tax
filing threshold
Or
$325/adult & $162.50/child
whichever is greater

35. SUBSIDY
SUBSIDY
QUALIFICATION LEVELS FOR
SUBSIDIES CHANGE EACH YEAR.
THESE ARE WHAT WERE USED FOR
2014.
SUBSIDIES CAN EITHER BE TAKEN AS
AN ADVANCED TAX-CREDIT OR
APPLIED ON A PERSON’S 1040 WHEN
THEY KNOW WHAT THEIR INCOME
ACTUALLY WAS.
ANYTHING THAT THE IRS ADVANCES THAT A PERSON DOES NOT
QUALIFY FOR WILL HAVE TO BE REPAID.

40.  AMBULATORY CARE
 EMERGENCY CARE
 HOSPITAL CARE
 MATERNITY/NEWBORN
CARE
 MENTAL HEALTH AND
SUBSTANCE ABUSE
 PRESCRIPTION
 REHAB
 PREVENTIVE
 LABORATORY
 PEDIATRIC DENTAL
ADULT DENTAL INSURANCE IS OPTIONAL

43.  Accidental Injury
 Scheduled benefit
 Rider
 Hospital Indemnity
 Per day in the hospital
 Lump sum per hospitalization
 Critical Illness
 Cancer
 Heart attack
 Stoke
 Misc.
 Disability Income
 Accident only
 Short Term
 Long Term
 Long Term Care
 Traditional
 Hybrid
 Life

51.  Religious Conscience
 Indian Tribe
 Not Required To File 1040
 Short Coverage Gap
 Health Care Sharing Ministry
 Affordable Plan
 Incarceration
 Not Lawfully Present

52.  Homeless
 Evicted/Foreclosed
 Utilities Shut Off
 Domestic Violence
 Family Death
 Fire/Flood/Significant
Property Damage
 Bankruptcy
 LTC Expenses
 Child Custody Court Order
 Marketplace Error
 State Did Not Expand
Medicaid And You Would
Have Qualified
 Your QHP Was Canceled By
Your Insurance Company
 You Experienced Another
Hardship