Topics Covered and Questions Answered: Explanation of the ACA (Affordable Care Act) provisions ACA Terminology How to choose a plan? Who is eligible for a government subsidy? How to apply for a government subsidy and what questions to expect? Before you enroll in a Medicare Supplement or Advantage plan you must be enrolled in Medicare A and B. Medicare A covers inpatient care in a hospital or nursing facility as well as hospice.
If you're turning 65 or becoming Medicare eligible, one of your challenges is choosing a drug plan. Many are confused by the term "Donut Hole" (also called the Coverage Gap). Medicare Prescription Drug Plans have four parts or phases, Initial Deductible, Initial Coverage, Donut Hole and Catastrophic. Whether you are losing health insurance coverage due to a job loss, turning 26, moving to a new area or becoming Medicare eligible, we can help you find a plan suitable for your health needs, lifestyle and pocketbook.
We can also help you explore your options if you want more coverage, a lower premium or simply need a Short Term Medical, dental or vision policy.
If you're turning 65 or becoming Medicare eligible, one of your challenges is choosing a drug plan. Many are confused by the term "Donut Hole" (also called the Coverage Gap). Medicare Prescription Drug Plans have four parts or phases, Initial Deductible, Initial Coverage, Donut Hole and Catastrophic. Whether you are losing health insurance coverage due to a job loss, turning 26, moving to a new area or becoming Medicare eligible, we can help you find a plan suitable for your health needs, lifestyle and pocketbook.
We can also help you explore your options if you want more coverage, a lower premium or simply need a Short Term Medical, dental or vision policy.
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I am a Raleigh native who has lived in North Carolina my entire life.
After completing my degree in Education at North Carolina State University, I taught high school for several years before returning to school to attain my MBA at East Carolina University.
For over 20 years I was employed by large corporations in sales, business development and account management before starting my own company.
Now my mission is to help my clients understand their choices and find insurance plans that fit their needs and pocketbook.
After completing my degree in Education at North Carolina State University, I taught high school for several years before returning to school to attain my MBA at East Carolina University.
For over 20 years I was employed by large corporations in sales, business development and account management before starting my own company.
Now my mission is to help my clients understand their choices and find insurance plans that fit their needs and pocketbook.
BCBSNC is the only insurance company that offers plans that are compliant with the Affordable Care Act a.k.a.
ACA in all NC counties.
They have 5 medical provider networks which are Blue Advantage, Blue Value, Blue Local and Blue Home.
The Blue Advantage network has the largest medical network in North Carolina.
BCBSNC plans allow you to go out of their medical, but you will have to pay more for your medical services unless your medical care is coded as an emergency.
Referrals are not required to see a specialists.
ACA in all NC counties.
They have 5 medical provider networks which are Blue Advantage, Blue Value, Blue Local and Blue Home.
The Blue Advantage network has the largest medical network in North Carolina.
BCBSNC plans allow you to go out of their medical, but you will have to pay more for your medical services unless your medical care is coded as an emergency.
Referrals are not required to see a specialists.
Thanks to the passage of the Affordable Care Act applying for health insurance no longer involves medical underwriting (an evaluation of your medical records).
The premiums you are shown are exactly what you will pay with one exception.
Tobacco users pay more for their policies.
Since not all doctors and hospitals are in-network with all plans, it is important to give your insurance agent the names of your doctors and preferred hospitals.
This allows your agent to research which company will be accepted by your healthcare providers and keep the overall amount spent on healthcare as low as possible.
The premiums you are shown are exactly what you will pay with one exception.
Tobacco users pay more for their policies.
Since not all doctors and hospitals are in-network with all plans, it is important to give your insurance agent the names of your doctors and preferred hospitals.
This allows your agent to research which company will be accepted by your healthcare providers and keep the overall amount spent on healthcare as low as possible.
Health Savings Accounts (HSA's) provide a tax-free way to help pay for current or future out-of-pocket health care expenses.
They have similar characteristics to a 401 (k) or an IRA but are specifically for qualified medical expenses.
To be eligible to set up an HSA you must enroll in an IRS-qualified high-deductible health plan (HDHP).
You, your employer or anyone else can contribute to your HSA.
These HSA funds can be used to cover the deductible of your health plan as well as for prescription drugs, over-the-counter medication, laser eye surgery and other qualified medical expenses.
They have similar characteristics to a 401 (k) or an IRA but are specifically for qualified medical expenses.
To be eligible to set up an HSA you must enroll in an IRS-qualified high-deductible health plan (HDHP).
You, your employer or anyone else can contribute to your HSA.
These HSA funds can be used to cover the deductible of your health plan as well as for prescription drugs, over-the-counter medication, laser eye surgery and other qualified medical expenses.
Dental insurance is intended to help offset the costs associated with dental care.
The mere thought of out-of-pocket expenses prevents many Americans from receiving routine and necessary dental treatment.
Most dental care coverage places an emphasis on regular preventive care by covering small routine costs.
A thorough examination by the dentist and a set of x-rays are all it usually takes to diagnose a problem.
Common FAQs in Deciding the Best Dental Insurance for Your Needs according to key studies from many noted journals, regular trips to the dentist can prevent serious and costly dental and medical conditions.
The mere thought of out-of-pocket expenses prevents many Americans from receiving routine and necessary dental treatment.
Most dental care coverage places an emphasis on regular preventive care by covering small routine costs.
A thorough examination by the dentist and a set of x-rays are all it usually takes to diagnose a problem.
Common FAQs in Deciding the Best Dental Insurance for Your Needs according to key studies from many noted journals, regular trips to the dentist can prevent serious and costly dental and medical conditions.
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