Health Insurance Information
Health Insurance- Bellefontaine, Marysville, Columbus OH
With the passage of the Affordable Care Act several years ago, EVERYTHING that had to do with health insurance changed. And if you're like most people we speak to, it became a lot more complicated to understand- what time of the year coverage was available, what other important timelines apply, how you obtained coverage, provider network changes and lots more.
Health insurance has always been a specialty of ours and when it changed, we had two choices: quit working with it or dig in and learn about the changes so we could properly advise our clients. We chose Option 2.
Our process is straightforward:
- Discuss your situation.
- See if you qualify for any premium assistance based on family size and household income.
- Search plans based on the above.
- Discuss plan options with you to find the best plan based on your situation and budget.
- Get you enrolled in a minimum of time.
Sound easy? It is when you have proper guidance. Going alone can be a nightmare- we've gotten those calls- people not understanding plan benefits or networks and picking an option that won't work or has no local doctors or hospitals (and who wants to travel 2 hours to see a doctor just so your insurance will pay better?). We're also available after the sale, in case you have any issues with claims or just have questions about your plan. We're specialists and can help. Don't go it alone when you can have professionals that will help you make the right decision for you and your family.
Frequently Asked Questions about Healthcare Reform, Affordable Care Act, Obamacare, Health Insurance
What is Healthcare Reform?
It is federal legislation passed in 2010 that requires all individuals to have health insurance. If you don't, you will have to pay a penalty.
The law took effect January 1, 2014. The penalty starts out small for 2014 and increases in subsequent years based on family size and income.
What is the health insurance marketplace (exchange)?
The marketplace is nothing more than a set of government-regulated and standardized health insurance plans. Each state will have its own, either operated solely by the state, solely by the feds, or as a partnership between the two. Ohio has decided to allow the federal government to run the exchange in its state.
Is it true that if I qualify, I could get financial help for paying my premium or reducing my out-of-pocket costs in the marketplace?
Yes. The SOLE purpose of the marketplace is to offer a way for people to get “financial aid” for their health insurance.You can get a rough estimate of the amount of financial aid you would qualify for by visiting the Henry J. Kaiser Family Foundation subsidy calculator at http://kff.org/interactive/subsidy-calculator/.
What is Open Enrollment?
It is a guaranteed time of year where you can apply for and get health insurance. You can also make a change to your current plan. The dates change every year, but it usually starts in November and ends in January.
If I miss Open Enrollment, what options do I have for health insurance?
1. Short-term health insurance (6 months max with option to re-apply for one additional 6 month time period).
2. Wait until the next open enrollment period. Coverage would begin based on the date the application is submitted.
3. Coverage via a special enrollment situation. See examples below........
Examples of Special Enrollment Situations
• Losing other health coverage (for example due to a job loss, divorce, loss of eligibility for Medicaid or CHIP, expiration of COBRA coverage, or a health plan being decertified). Note: Voluntarily quitting other health coverage or being terminated for not paying your premiums are not considered loss of coverage. Losing coverage that is not minimum essential coverage is also not considered loss of coverage.
• Change in marital status
• Change in dependent status (adoption, birth, etc.)
• Permanently moving to a new area that offers different health plan options
• For people already enrolled in Marketplace coverage, having a change in income or household status that affects eligibility for tax credits or cost-sharing reductions
Most special enrollment periods last 60 days from the date of the qualifying life event. Job-based plans generally allow special enrollment periods of 30 days.
Contact Alan Galvez Insurance Today
Request your health insurance quote with Alan Galvez Insurance NOW- Just a few QUICK questions will get you started! Note: By submitting this form you won't get an "instant" rate- instead you get a team that will shop our companies to find the best policy for you at the best premium. We have several companies in-house and access to MANY more. So you can stop shopping and leave the hard work to us! A member of our helpful team will contact you within one business day, but usually much sooner!
Tip: We can help you with auto, home and life insurance as well. We're a one stop shop for most people, saving you time and money!
Carly S. says "We came to Alan Galvez Insurance scared and worried about finding Health Coverage for our family. Carrie sat down and gave us one to one care that we had not experienced at other offices. That was several years ago and since then we have transferred our home and auto policies as well. Recently we had a claim on our car and again she was there for us- no hassles, no worries. Thank YOU!" (Read more testimonials)
Check out more Bellefontaine, Columbus and Marysville Ohio Health Insurance Resources-Many of your Frequently Asked Questions are answered on our blog!
What You Need to Know Before Choosing an Obamacare plan
On Exchange vs. Off Exchange: How do I know which Ohio health insurance to choose?
Ohio Health Insurance: What type of plans are available and what do they cover?
What's the Premium Tax Credit and how does that apply to my Ohio health insurance?