Covered California consumers with Silver-tier coverage who do not receive a subsidy to help them pay their premium each month may be able to avoid certain rate increases in 2018 by switching to a different metal tier (Gold or Bronze) or shopping directly with an insurance company. Consumers in this situation are encouraged to contact an expert Certified Insurance Agent or Enrollment counselor for assistance.
“Humana” is the brand name for plans, products and services provided by one or more of the subsidiaries and affiliate companies of Humana Inc. (“Humana Entities”). Plans, products, and services are solely and only provided by one or more Humana Entities specified on the plan, product, or service contract, not Humana Inc. Not all plans, products, and services are available in each state.
The State Children's Health Insurance Program (SCHIP), created in 1997, expands health coverage to uninsured children whose families earn too much for Medicaid but too little to afford private coverage. Through the national "Insure Kids Now" initiative, each state has its own SCHIP program that makes health insurance coverage available to children in working families. For more information, visit www.insurekidsnow.gov or call toll free 1-877-KIDS-NOW (1-877-543-7669). This website and toll free number also provide information on Medicaid.
Incidentally, when the Affordable Care Act was originally passed, you had to pay a penalty tax for going without health coverage unless you met certain exemption criteria, including financial hardship. But going forward, in 2019, there will be no fee if you don’t have health insurance. (If you were uninsured in 2018, you will be penalized on your 2018 tax form for that.)
Non-ACA Plan is a very generalized term that people use to describe anything that is not compliant with the ACA. The problem is that a lot of plans that aren’t actual insurance get lumped in like faith-based cost-sharing plans which are not insurance. There are also a lot of new plans from carriers that no one has ever heard of pushing plans that sound like the greatest thing since sliced bread. None of these have passed our sniff test and as a result, the only non-ACA plan that we recommend is Short Term Medical Insurance (STM). Due to recent changes in the law, these plans are now able to be purchased for 12 months at a time.
When shopping for health insurance, be sure that you pick a reputable Insurance company. Using a no-name insurance company may seem like an inexpensive alternative. However, if you have problems getting your claims paid when you need health coverage, it defeats the purpose of purchasing a health insurance policy. Health Plan One only offers plans with high quality health insurance carriers.
If something unexpected happens to you – like a car accident or a serious illness – hospital expenses can quickly rack up. Individual health insurance can help prevent staggering expenses if you face a medical emergency. Major medical insurance is a type of coverage that provides benefits for a broad range of health-care services, both inpatient and outpatient. This health insurance can save you money on routine doctor's visits, prescription drug coverage, preventative care and other medical services. The plan will typically come with costs such as a monthly premium, an annual deductible, copayments, and coinsurance.