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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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Indiana Special Enrollment for Same-Sex Spouses
October 14, 2014

By Amy De Vore+

With the immediate expansion of same-sex marriage in Indiana, a special open enrollment period for same-sex spouses runs from now until November 30, 2014. Here is what this means for same-sex married couples.

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Same-Sex Spouse Special Enrollment

Up until now same-sex married couples did not legally have to be included on their spouses’ health plans. Here are the two new factors for currently married and/or couples who plan to marry prior to November 30, 2014:

A same-sex spouse in Indiana is eligible to be added to their spouse’s health policy
Self-funded group plan sponsors may refer to their own eligibility criteria regarding spouses to determine whether to offer coverage to same-sex spouses.

If You Miss the Special Enrollment Period

If for some reason you did not take advantage of your special enrollment period you can enroll in an on or off-Exchange plan, generally a Bronze, Silver, Gold, or Platinum plan, until your spouse’s company’s health insurance offers open enrollment. Or if you aren’t married prior to November 30, 2014, but plan to marry after you will be allowed a special enrollment period at that time to join your spouse’s plan.

For further questions about joining a health plan call 800-930-7956 or contact a Medicoverage agent.

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Anthem of Indiana Extends Renewals Till Dec 15
November 27, 2013

By Ray Wilson+

Anthem Blue Cross of Indiana just released that they are extending renewals for individual and family health plans until December 15, 2013. This announcement comes after the Indiana Department of Insurance decided to reject President Obama’s offer to reinstate cancelled insurance policies.

In a statement released by Anthem, “We also realize that some customers want to keep their present health plans and benefits into 2014. That’s why back in the fall, we began offering our small group and individual members the choice to renew their current plans early. In doing so, they can keep their current benefits through most of next year.”

aca update

Consumers may still enroll in one of the new Bronze, Silver, Gold, or Platinum plans by going here to fill out an Obamacare Healthcare Exchange Application. To renew your current Anthem Blue Cross policy contact 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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Do you Live in one of the 24 States Not Expanding Medicaid?
November 07, 2013

By Amy De Vore+

24 states have decided not to expand Medicaid to about 5.4 Million eligible residents. The Affordable Care Act presented a plan to the states that 100% of the cost of Medicaid would be covered by the federal government for the first three years, after that the states would pay 10% of the cost in the fourth year. However, some states did not think was advantageous to its citizens. Individuals are still able to purchase the Bronze, Silver, Gold, or Platinum plans, but they would not be eligible for subsidies if they fall below 100% of the poverty line ($11,490 for 2013).

ACA Update

The following states have chosen not to expand Medicaid: Alabama, Alaska, Florida, Georgia, Idaho, Indiana, Kansas, Louisiana, Maine, Mississippi, Missouri, Montana, Nebraska, New Hampshire, North Carolina, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Wisconsin, and Wyoming.

For further questions call 800-930-7956.

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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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Healthcare Exchange Indiana: What You Must Know
May 13, 2013

By Amy De Vore+

ObamaCare Indiana

The Patient Protection and Affordable Care Act (AKA ObamaCare or Healthcare Exchange) begins January 2014. If you live in Indiana are you prepared for the changes? We’ve compiled a list of what you must know.
ObamaCare IN Facts
1) Indiana residents, with few exceptions, must purchase health insurance or face a penalty by federal law. To learn about penalties and/or to learn if you are read the article Affordable Care Act: Penalties for the Uninsured.

2) Under the new Healthcare Exchange preexisting conditions do not preclude any person in Indiana from obtaining health coverage. To learn more about guaranteed coverage read the article ObamaCare: Guaranteed Issuance for Everyone.

3) Currently 16% of IN residents are uninsured, approximately 94% of those will qualify for a federal subsidy to help with health insurance monthly premiums. To find out if you are eligible for a federal subsidy read the article Health Care Exchange Subsidies: Do You Qualify?

4) The initial open enrollment period for ObamaCare is October 1, 2013 to March 31, 2014. For assistance signing up call 800.930.7956 extension 0.

Further Questions
To learn more about ObamaCare and how it affects Indiana contact Medicoverage: ObamaCare Indiana.

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