Tag Archives: affordable care act

Taxes: Prepare To File An Extension

This year everyone will need to show evidence of health insurance coverage when we file our taxes. Forms 1095-A, 1095-B or 1095-C will need to accompany W-2s and other tax filing documents. All of us will need to be sure that we have the appropriate form to complete our tax filing whether we have coverage […]

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Supporting Documentation for Marketplace Policies

Many individuals who enrolled in Marketplace policies during the Affordable Care Act open enrollment period may have received notification that supporting documentation (proof of income/citizenship) would need to be forwarded by a specific date to finalize qualification for subsidies. When required, this information is listed on the formal subsidy eligibility notice which is sent to […]

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What Do You Mean My Drugs Are Not Covered?!?!

One of our clients called and was very upset that her new insurance carrier would not cover the prescription she was trying to pick up at the pharmacy. She had filled this particular prescription before the 30-day renewal date and could not understand how the new carrier knew this and was frustrated that they would […]

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ACA Preventive Care Links

We have had many conversations since November 1 helping individuals compare health insurance plans as part of the annual Open Enrollment period. Questions have come up particularly about how routine services are covered.   Benefits can vary somewhat from carrier to carrier, but there are specific preventive benefits that are guaranteed in each contract through Federal […]

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Tick Tock

Websites are freezing at both the insurance carriers and at the federal Marketplace as time is drawing near for the end of the 2016 health insurance open enrollment period.  Phone lines to both sets of providers are busy and disconnects after interminable holds are once again the norm. December 15 marks the last day to […]

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Over 65 and Still Working?

Should you do something about your health insurance? It depends on a few factors. First, are you employed by a company that has 20 or more employees? If you are offered group insurance that you like you are not required to enroll in Medicare because your employer’s insurance plan will provide primary coverage. If you […]

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Should I Apply For Subsidy?

Many individuals will qualify for financial help with their health insurance premiums, but here are some considerations. First, go to www.healthcare.gov to be sure that the modified adjusted gross income for your whole taxable family unit falls within the income range. Be sure to include all family members who will be included in the tax […]

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Marketplace Update

Now that we are in our third year of the Affordable Care Act many of us have prepared ourselves for the ongoing nightmare of working with our clients to qualify for Marketplace subsidies. The last two years have been marked with website crashes when we tried to enroll individuals electronically and interminable time on hold […]

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Do I Really Rarely Use Medical Services?

I have spent a bit of time recently writing about how to determine what type of health insurance plan best suits our needs based on how much healthcare we use. While thinking about this I discovered that who I thought I was is really different from who I really am. If asked, I would say […]

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It’s the Last Quarter of the Year

What does this mean relative to our health insurance and other benefits? We should not postpone any treatment because we don’t think we will meet our deductible for the year. Most health insurance plans credit claims that go toward deductibles in the last quarter of the year into the next year. So, if we feel […]

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