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Finally an Easy Way to Apply for ObamaCare
November 13, 2013

By Katie Banks+

As you have probably heard, the ObamaCare website has had some serious glitches, but now there is a way to avoid all that. Medicoverage announced today that they are able to quickly submit paper applications for ACA Bronze, Silver, Gold, and Platinum plans in most states.

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ObamaCare ACA Paper Application

The Affordable Care Act paper application is now available for individuals and families in the following states. This is the easiest way to apply for health coverage. Click on your state below to access the application.

Need Assistance filling out the Application?

You can call an agent to receive help while filling out the app or selecting the right plan by calling 800-930-7956. We are here to help you. Many people don’t realize that there is no fee to work with an agent. With our help and the new paper application you won’t experience the ObamaCare website timing out nor the long wait times for hotline assistance (apparently reported up to 45 mins!). And, not to worry, you will be still be eligible for ObamaCare subsidies if you qualify.

When you’re done with your application fax it to 310-765-4136 or mail it to the address on the cover sheet of your application.

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Fed’s ACA Website Will Not Be Fixed by Dec 1st, CMS Says
November 27, 2013

By Katie Banks+

The federal website, Healthcare.gov, “will not work perfectly on Dec. 1,” per CMS spokesperson, Julie Bataille. The spokesperson went on to say, “periods of suboptimal performance” will still be present due to high traffic and technical difficulties, according to The John and Rusty Report.

The website has been plagued with long wait times and the system timing out when people try to apply for one the new ACA plans: Bronze, Silver, Gold, and Platinum. Bataille’s announcement came after the federal website had an unexpected one hour outage on Monday, November 25, 2013.

aca update

How to Avoid the Federal Website

Many people may not realize that they do not have to use the federal website to be insured and receive federal subsidies on January 1, 2014. Agents and brokers are able to help people enroll in plans without the consumer having to go onto the fed’s site. All federal applications should be in as early as possible to have coverage on January 1, 2014. Below you will find the application:

Healthapplication.com

At anytime if you have a question while filling out your application or to learn about which plan is right for you call 800-930-7956 or contact Medicoverage.

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ObamaCare: Federal Enrollment Extended Till Dec 23rd
November 27, 2013

By Ray Wilson+

The federally run Obamacare plans have received an extension till December 23, 2013 for a January 1, 2014 start date. This gives consumers in those states an extra 8 days to decide on one of the new Bronze, Silver, Gold, or Platinum plans.

aca update

ACA Applications

Go to Healthapplication.com to get your paper application. Once you fill out the application and send it in, you will be contacted to discuss plans and informed if you qualify for subsidies. Remember to fax, scan and email, or snail mail your application in as soon as possible.

To learn if your state has extended its deadline call 800-930-7956 or contact Medicoverage.

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Delaware ObamaCare Premium Pricing
October 02, 2013

By Katie Banks+

‘The First State’ has released its Health Insurance Marketplace premiums. The new Delaware plans are known as the Affordable Care Act plans: Bronze, Silver, Gold, and Platinum.

Delaware ACA Pricing Chart

The chart below details pricing for certain ages in Delaware. It is important to remember that these prices do not include the subsidies, therefore your actual premium could be quite a bit less. For your specific quote and to learn if you qualify for premium subsidies or cost-sharing subsidies call 800-930-7956 or contact Medicoverage. Scroll to the right to see prices.

Click here to see a full screen version of the Delaware ObamaCare prices

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Delaware Affordable Care Act Rates
September 24, 2013

By Amy De Vore+

Delaware announced its rates and providers for the Health Insurance Marketplace. The First State has chosen to partner with the feds rather to build their own Exchange for the Affordable Care Act Bronze Plan, Silver Plan, Gold Plan, and Platinum Plan.

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Delaware ACA Rates

According to Delaware Online, Delaware has a monthly premium range of:

$193-$329

These are of course without federal premium subsidies to help keep the monthly cost of paying your policy. As well as, the Enhanced Silver plan is the only metal plan that offers cost-sharing subsidies for that qualify, to help keep your costs down when you seek medical care.

DE Insurance Providers

There are 19 different plans offered by 3 carriers:

Highmark Blue Cross Blue Shield Delaware
Coventry Health Care of Delaware
Coventry Health and Life Insurance

Dental Plans offered in Delaware

As new ACA plans don’t have to include dental and vision, stand-alone plans are available.

Delta Dental of Delaware
Dentegra Insurance
Dominion Dental Services

Off-Exchange Plans in Delaware

Most people are unaware that they have another option: off-Exchange plans. These plans either can be identical to the metal plans or a provider may offer extra benefits outside of the Exchange. Why would you choose this type of plan? If you qualify for subsidies, you wouldn’t. But if you know that don’t qualify then you can save time and protect your privacy, because Exchange plans require a lot of personal and financial information.

Agents, like the team at Medicoverage, can help with either on or off-Exchange plans, figure out which subsidies you qualify for, and if you qualify how much you will save per month. For further questions call 800-930-7956 or contact Medicoverage.

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How the Affordable Care Act Helps the Uninsured
May 31, 2013

By Amy De Vore+

The Affordable Care Act helps the uninsured in a few ways. For instance, in the LA Times today there was an article about a woman making $12.68 an hour, mother of one child, lives in Los Angeles, and recently choose to forego surgery because she was uninsured. As of January 1st this woman would have options for health coverage.

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How the Affordable Care Act Helps Uninsured

She isn’t qualified for Medicaid, however since she works she may qualify for job-based insurance as 2015. Until then and if her employer doesn’t offer insurance she would qualify for premium subsidies and cost-sharing subsidies, and her daughter would qualify for Medi-Cal.

Costs for Lower-Income Families

The article doesn’t state how old she is, but if she is 30, her Silver plan premium could be as low as $93 a month and her deductible would be reduced from $2000 to $500, and a reduced maximum out of pocket from $6,350 to $2,250. This would apply to any single parent to one child living in the Los Angeles area, making her salary.

How do Lower-Income Families and Individuals Get Insurance?

First, it’s important to remember for anyone purchasing a plan from the Health Insurance Marketplace you need your W2 paperwork and financial information handy like child support, alimony, assets. Then you can either go directly through your state’s newly established call center’s navigators or you can go through your insurance agent. Many don’t realize that agents can help with on and off-Exchange plans.

Lower Income Seniors

Seniors do not have to do anything as of January 1st. Seniors stay on Medicare and do not apply for the new metal plans. Make sure your friends and parents are aware that there is nothing for them to do, because states are vocally expressing their concerns about seniors being tricked by scammers into giving away personal information due to the lack of awareness in regards to the ACA.

To learn if you qualify for a subsidy call 800-930-7956 or contact Medicoverage.

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