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Bảo hiểm sức khỏe, Health Care, Medicare, Long Term Care and Life Insurance

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Common Questions About Medicare Supplement

What does Medicare Supplement insurance cover?

Policies help pay for Medicare Part A & B deductibles, co-payments, and co-insurance. Some policies also include coverage for certain health services not covered by Medicare.

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Care Facts

  • 591,624 (90%) of Colorado’s uninsured and eligible population may qualify for lower costs on coverage in the Marketplace, including through Medicaid.
  • Under the health care law, if your plan covers children, you can now add or keep your children on your health insurance policy until they turn 26 years old.
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IF I GET INSURANCE THROUGH MY EMPLOYER, CAN I GET A TAX CREDIT?

Yes. If you are an employee and you pay more than 9.5% of your household income for your employee-only health plan, you could be eligible to use Connect for Health Colorado to find a health plan.

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HOW DO TAX CREDITS WORK?

When you use Connect for Health Colorado you will be asked to provide household income estimates for the year you plan to purchase coverage. This will let you know how much financial assistance you can receive right away.

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WHAT DOES “ALLOWED AMOUNT” MEAN?

This is the maximum amount on which payment is based for covered health care services.

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HOW DOES AN FSA WORK?

A FSA is a Flexible Spending Account, which is an arrangement through an employer to pay for out-of-pocket medical expenses with tax-free dollars. These expenses include insurance copayments and deductibles, prescription drugs, insulin and medical devices.

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WHAT IS CONSIDERED ANNUAL INCOME?

The annual income is the Modified Adjusted Gross Income of your household. This is one of the factors that help determine your eligibility for the premium tax credits. To determine your household income, the Marketplace uses the “Modified Adjusted Gross Income” or MAGI calculation. You will need to provide your MAGI when applying for up-front financial assistance.

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WHAT IS CHIP?

An insurance program jointly funded by states and the federal government that provides health insurance to low-income children and, in some states,

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WHAT IS A “FLEXIBLE BENEFITS PLAN”?

A benefit program that offers employees a choice between various benefits including:

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WHAT IS CONSIDERED ESSENTIAL HEALTH BENEFITS?

A set of health care service categories that must be covered by Qualified Health Plans and certain plans.

Essential health benefits must include items and services within at least the following 10 general categories:

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HOW IT WORKS: Our 2 Step 2 Minute process if fast and easy:

You can view what plans are available to you along with price quotes. Quotes are presented for all of the major health insurance carriers available to you including Blue Cross, Blue Shield, Aetna, Humana, United, Assurant, Kaiser (in select states), Cigna, along with regional plan providers.

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Obamacare under President Trump: What happens next?

Repealing Obamacare won't be that easy. Replacing it will be even tougher.

President-elect Donald Trump has promised to dismantle Obamacare as one of his first acts after taking office.

 

Yet he can't eliminate Obamacare on day one with the stroke of a pen. Killing the massive program that provides insurance to 20 million Americans would take time to work its way through Congress. Plus, there are many popular provisions that Trump has indicated he would retain in some form, such as covering those with pre-existing conditions.

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Election Results and Questions about the future of the ACA

The election results raise questions about the Affordable Care Act and its future after a new president and Congress take office in January. 

Here is what we know now:

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What's Medicare?

Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).

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What Is The Cost of Healthcare Without Insurance?

The examples in this article featured relatively young and healthy people who most likely would not need a lot of medical care throughout the year. Some very young people may even get away with paying the penalty fee for non-compliance rather than spending money on health insurance they feel they don’t need.

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Real World Cost Of Obamacare For Families

  • Meet the Clarks. The Clark family comprises two adults and two children living in Orlando, Florida. The adults are 42 and 38, and both kids are minors. Neither parent uses tobacco.
  • The total annual income for the household is $110,000, and the parents cannot obtain insurance through their employers.
  • The Clarks have several options on the Marketplace for coverage, but they will not be able to get subsidies or tax credits because they earn more than four times the federal poverty line.
  • For a Bronze plan on the Marketplace, the Clarks will pay $8,013 per year or approximately $668 per month for healthcare coverage. This number represents 7.28 percent of the Clarks’ annual income. The Bronze plan includes insurance for the whole family and covers 60 percent of the Clarks’ medical costs.
  • For a Silver plan on the Marketplace, the Clarks will pay $9,909 annually or $826 per month. Silver plans cover 70 percent of medical costs.
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Obamacare Costs In 2017 – Reasons for the Sudden Spike

Premium rates typically increase each year due to a number of factors, including inflation and enrollee participation. The problem for many insurers over the past three years of Obamacare has been figuring out just how much health care new enrollees would use. With little data available, some insurers may have undercut initial pricing.

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How Much Will Obamacare Cost?

The Affordable Care Act seeks to help people gain access to better and more cost-effective health insurance, a task that the new law has been steadily accomplishing for millions of Americans since the marketplaces opened in 2013.

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Obamacare Explained

What is Obamacare? If you’re not sure or you only have a vague idea, then you’ve come to the right place. We want to set the record straight on the Affordable Care Act, starting with the law’s most important features.

Under the ACA, you can’t be denied health insurance due to a pre-existing condition, and men and women will pay the same rates for the same services. Insurance companies can’t spend more than 20 percent of premiums on overhead costs, and you can’t be dropped from your plan arbitrarily. In short, the ACA holds insurers accountable for their actions and gives you more rights as a consumer. Obamacare also offers improved benefits for all qualified, ACA-compliant health plans. When you purchase a health plan today, you’re guaranteed coverage for:

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An Important Note

Sign up for the marketplace ahead of time and make sure your account is up and running smoothly. Leaving the application process to the last minute could result in missing a chance to get cost assistance until next open enrollment.

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