Tag Archive: Mark Shuster UGA Health Insurance


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Suddenly uninsured?  If you think you’re eligible for a special enrollment period (SEP) for health insurance, be ready to prove it.  New regulations effective June 23, 2017, require 100 percent of consumers seeking an SEP in states served by the federal website platform to provide pre-enrollment verification.[1]Previously, about half of consumers requesting an SEP were required to do so.

The crackdown, which stems from a final rule issued April 18, 2017, aims to curb “misuse and abuse of special enrollment periods” by those who decided to enroll in coverage after they find out they need healthcare.[2]

Don’t Qualify for Special Enrollment?

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Consider this Long-Term Solution[3]

 

To help you understand how health insurance special enrollment periods will be handled from now on, here are five key things to know:[4]  

1.  You must have a “qualifying life event” to become eligible for special enrollment. Click here for an in-depth look at qualifying life events from CMS

2.  Documentation will be required. If you have a qualifying life event, you will need to submit documentation that confirms it as requested by the exchange through which you enroll.

3. A deadline will apply. You will have 30 days to provide the requested information.

4. Roll-out of pre-enrollment verification will happen in two phases. The first phase starts June 23, 2017, and the second begins sometime in August.

On June 23, 2017, pre-enrollment verification begins for those who experience the following qualifying life events:

a.) Loss of qualifying health coverage (i.e., minimum essential coverage)

  • Job-based coverage – yours or someone else’s
  • Medicaid or Children’s Health Insurance Program (CHIP) coverage including pregnancy-related coverage and medically needy coverage
  • Some student health plans – check with the school to verify that the plan counts as qualifying health coverage
  • Individual or group health plan coverage that ends during the year
  • Dependent coverage through a parent’s plan

b.) A permanent move

  • Gained access to new health insurance plans due to a change in primary residence and
  • Had qualifying coverage for at least one of the 60 days preceding the date of the move or
  • Lived in a foreign country or in a U.S. territory for at least one of the 60 days preceding the date of the move

In August 2017, pre-enrollment verification will be added for those who experience the following qualifying life events (more details will follow later this summer):

a.) Marriage

b.) Gaining or becoming a dependent through adoption, placement for adoption, placement in foster care, or a child support or other court order

c.) Medicaid/CHIP denial

5. If you can’t prove you qualify for an SEP, you could remain uninsured. And, if you are not exempt from having minimum essential coverage, that means you could owe a tax penalty.

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Read the CMS Overview

What if I’m denied special enrollment?

It is possible to file an appeal. However, you could find yourself without health insurance coverage and, as mentioned above, may owe a tax penalty if you are not exempt from the Affordable Care Act’s individual mandate.

Find Temporary Coverage

You may need to consider short term coverage, a hospital indemnity plan or another type of health benefits to help pay for healthcare until you have minimum essential coverage.

How do I begin the special enrollment process?

Visit www.HI4E.Org to get started.   You will then be able to “Request-A-Free-Quote” or request extra guidance and assistance with finding coverage until your new Obamacare plan begins January 2018.   We can also help you shop and price-out the available plans that may be left within your state.

 

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Find A More AFFORDABLE Health Plan That Is Still Being Offered Within Your State, When You Shop At:  www.hi4e.org          HealthInsurance4Everyone & Health & Life Solutions LLC  –  Over 54,000 Combined Fans/Followers & We’re Growing Daily!!

 

 

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The number of health insurers participating in the ‘Affordable’ Care Act exchanges has declined by 24 percent from 2016 to 2017, according to data from the Kaiser Family Foundation.

 

In 2016, there were 287 insurers who offered insurance on the Obamacare exchanges and in 2017 that number dropped to 218. There were 34 states that saw the number of insurers decline, 15 states have the same amount of insurers from 2016 to 2017 and only one state added an insurer in 2017.

Five states, ALABAMA, ALASKA, OKLAHOMA, SOUTH CAROLINA, and WYOMING, have only one insurer operating on the exchanges, leaving consumers with little choice.    

In one-third of counties in the United States, about one in five enrollees, or 21 percent, have access to only one insurer operating on the exchanges. This is a significant increase from the 2 percent of enrollees in 7 percent of counties that had access to only one insurer last year.

“In 2017, insurance company losses led to a number of high profile exits from the market,” the study explains. “In 2017, 58% of enrollees (living in about 30% of counties) had a choice of three or more insurers, compared to 85% of enrollees (living in about 63% of counties) in 2016.”

As larger commercial insurers such as Aetna and United Healthcare have dropped out of Obamacare, many areas will only have regional insurers to choose from, said Ed Haislmaier, an expert in health care policy at the Heritage Foundation.

                           

“The reality is that the individual market even pre-Obamacare was a very small part of their business,” said Haislmaier. “So those companies have basically dropped out and what that leaves are a couple of companies with broader footprints but not more than about 10 or 12 states.”

“What you’re down to is basically in most cases your dominant Blue Cross plan and then depending on the size and location you may have regional players and by regional it could mean either across two or more states or just within a state,” he said.       

Haislmaier and the Heritage Foundation, who originally created the methodology for this type of study earlier this year, said that the ‘Affordable’ Care Act has left consumers with less competition and choice than ever before.

“One of the stated aims of the ‘Affordable’ Care Act was to increase competition among health insurance companies,” said Haislmaier.

“That goal has not been realized, and by several different measures the ACA’s exchanges offer less competition and choice in 2017 than ever before. Now in the fourth year of operation, the exchanges continue to be far less competitive than the individual health insurance market was before the ACA’s implementation.”

Diana Furchtgott-Roth, a senior fellow at the Manhattan Institute, said that Congress needs to repeal and reform Obamacare without delay. 

“The Obamacare death spiral is continuing,” she said. “As rates rise, healthy people drop out and the share of sick people rise, causing further increases in rates. Since these rates are capped then the insurance business becomes less profitable and companies leave the business.”   

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