Value of Health Insurance
Health Insurance for Children
With the recent twists and turns of the Affordable Care Act, there have been many changes to health insurance. While most people talk about how this will affect the health insurance needs of adults, not many people think about how it can help children. The Affordable Care Act has made it easier than ever for children to be covered with the right health insurance policy.
In order to sign up for health insurance, adults have to wait for an open enrollment period or have a qualifying life event. However, children are able to get covered with the right health insurance plan at any point in the year through Medicaid and the Children’s Health Insurance Program, also known as CHIP. Both federal and state programs offer low cost or free health care to children, which help to bring the number of uninsured children to record lows.
Many private health insurance providers are now offering the same services that CHIP and Medicaid are offering, including various preventive care services that come at no cost. These preventive services include immunizations, autism screenings, depressions screening, obesity screenings, and more to help ensure the health of children across the country.
All health insurance plans are now required to offer 10 services, including vision and dental care for children, as well as maternity and newborn care. It is important to keep in mind that insurance companies do not have to offer dental and vision care to children who are over the age of 19, so look carefully when deciding on the right policy to fit your needs.
Contact the insurance experts at Bernardini & Donovan Insurance Services in Redlands, California for all of your child health insurance needs. We will work with you to ensure that you have the right amount of coverage for everyone in your family, all at the right price.
Free Preventive Care
Under the Affordable Care Act, all health insurance policies that are purchased through the Marketplace allow people to have access to free preventive care. These preventive care options are meant to keep people healthy to help them avoid trips to their doctor and pricey medications.
While they are known as free preventive care services, they are not really free. They are paid for by your insurance company with the money that you pay each month for your premiums. However, there is no out of pocket costs for you when you need these services, meaning you can never be charged a copay, deductible, or coinsurance.
There are many different services that are part of free preventive care, including immunizations, cholesterol and blood pressure screenings, depression screening, and oral health and vision screenings for children. There are also preventive services that are available to women, including prenatal care and contraceptives.
When going in for these free preventive services, it is important to tell your doctor when you make the appointment so that you are not charged for the visit. Keep in mind that while these services are free, there may be some associated costs, such as if you need a follow up visit or a separate treatment.
Keep in mind that most health insurance providers will only pay for preventive care if you go to an in network doctor. If you choose to go to a physician that is out of the network of your health insurance provider, you may be left paying for the services out of your own pocket.
For all of your health insurance needs and to ensure that you are able to take advantage of the free preventive care that is available, contact the insurance professionals at Bernardini & Donovan Insurance Services in Redlands, California.
Health Insurance Special Enrollment Period
If you missed out on signing up for health insurance during open enrollment, do not worry! The Federal government has recently announced that they are opening a special enrollment period for those who were not able to sign up for health insurance during open enrollment. This special enrollment period runs from March 15th to April 30th and is the last time that you will be able to sign up for health insurance coverage for 2015. While this special enrollment period only applies to the 37 states that are covered through the federal marketplace, state-run exchanges are expected to follow.
In order to qualify for the special enrollment period, people will have to prove that they only became aware of the tax penalty for not having health insurance when they were filing their taxes. While the special enrollment period will not reverse the fine for not having health care, it will give people a chance to get the right health care plan for their needs.
Under the Affordable Care Act, everyone is required to have a health insurance plan, or face a financial penalty. However, many people were not aware of the penalty for not having health insurance until they started filling out their tax return for 2014.
The government also recently accounted that the wrong information to help calculate whether they received too much or too little of a subsidy for last year was sent out to 800,000 people. People who have been affected should have already been notified by phone or email, and need to wait to file their taxes until they receive a new 1095-A form, which was sent out in early March.
For all of your health insurance needs and to ensure that you have the right amount of health care under Covered California, contact Bernardini & Donovan Insurance Services in Redlands, California.
Why You Should Work With Bernardini & Donovan
At Bernardini & Donovan Insurance Services, we understand that finding the right health insurance policy can be confusing and difficult, which is why we are here to help. We strive to simplify all of the health care needs of each of our clients to ensure that you and your loved ones are able to get the perfect health care coverage to fit your specific needs.
Health care has been brought to the forefront of the insurance world thanks to the passing of the Affordable Care Act. All of our licensed agents and brokers have years of experience in the health care world, and are here to help you find the right policy to ensure that you have the right amount of coverage. No matter if you are looking for a policy to just cover you, or are looking for coverage for all of your employees, we are here to help.
At Bernardini & Donovan Insurance Services, we do more than just find you the right insurance policy. We work to build strong and long lasting relationships with each of our clients to ensure that they are comfortable talking about their policy and asking any questions that come up about the coverage that their policy provides.
With expertise in Group Health Insurance, California Health Insurance, California Life Insurance, and Long Term Care, we can help you find the policy that best meets your needs.
Contact Bernardini & Donovan Insurance Services in Redlands, California for all of your health insurance needs and to ensure that you invest in the right amount of coverage.
Discerning The Aid You Can Secure For Your Health Insurance
With the Affordable Care Act (ACA) changing healthcare in the United States, it can be difficult to understand exactly what kind of support the government can offer you. According to the ACA, the government now offers subsidies to make healthcare more affordable for eligible parties. These are tax credits that are available for lower income families and individuals.
To qualify for subsidies, you must live in the United States, be a citizen of the US or lawfully residing in the country, not be in jail, and have a household income level of four times the federal poverty level or less. This means that if your Modified Adjusted Gross Income is between 100% and 400% of the Federal Poverty Level you can qualify for tax credits to help you cover the expense of your health care.
How much reimbursement can you expect? The subsidies are based on a sliding scale. The government will determine what percentage the amount you pay for your health insurance is of your income, and offer increased subsidies the higher the percentage is. The sliding scale is based off of the cost of the second least-expensive silver-level plan that is available in your area.
If you would like help from the experts to discern if you qualify for a subsidy, a certified agent like the ones at Bernardini & Donovan Insurance Services is here to aid you. To understand what the ACA means for you, how not to miss an important deadline, and how to save on your premiums, do not hesitate to contact Bernardini & Donovan Insurance Services today. Located in Redlands, we are here to help you secure the best protection for you and your family today.
What Does Your Employers Plan Mean For Your Subsidies?
For most, health insurance options through your workplace are good news. If, however, you had plans to secure subsidies to help you pay for an individual health plan outside of your work, your employer’s offer of coverage may be a problem for you. Make sure you do not opt out of health care through your work only to find yourself without tax credit.
How does qualification for health care subsidies work? According to the Affordable Care Act (ACA), anyone who is at an income level of 400% or less of the federal poverty levels can qualify for tax credits to help them cover the cost of health insurance. These subsidies are available in your specific state and can be applied for during the open enrollment period, which ends February 15th.
If, however, you work somewhere that offers affordable health insurance and you choose not to accept a plan through your workplace, you will not qualify for subsidies. The same is true if you are eligible for coverage through Medicare. The government is committed to helping every American get the health care he or she needs, but if you choose to opt out of perfectly good coverage there will be no aid for you. That is because your job-based plan counts as the now federally mandated minimum essential coverage. Securing a plan through your workplace will also help you avoid the tax penalties that could be assessed if you do not have coverage.
To understand how your employer’s coverage affects your subsidy eligibility and what to do if you want a plan other than the one offered through your workplace, do not hesitate to contact Bernardini & Donovan Insurance Services today. Located in Redlands, we are here to help you secure the best protection for you and your family today. Connect with a certified agent; call us today!
If you are one of the many Americans who missed Obamacare’s first open enrollment period, it is important that you start preparing so that you can be ready when the second open enrollment period arrives. If you miss this second period, you will be forced to pay a penalty for each month that you do not have health insurance. Unless you qualify for the special enrollment period, you could be paying hefty penalties for several months until the third open enrollment period arrives.
The second Covered California open enrollment period starts on November 15, 2014 and will end on February 15, 2015. During this time, you must obtain health insurance in order to avoid the penalty. During the weeks leading up to the second open enrollment period, you will want to gather all important documents such as birth certificates, proof of citizenship, etc. If you find the market exchange confusing, an insurance broker can guide you through this complicated process.
We understand how confusing the laws and regulations surrounding Obamacare can be, especially if you have never purchased health insurance before. Many individuals who are inexperienced in purchasing health insurance benefit immensely by using a broker. Insurance brokers such as the experienced brokers at Bernardini & Donovan Insurance Services guide you through each step of the health insurance process, free of charge. Our experience makes us the perfect candidates to sit down and compare varying plans and policies with you, to ensure that you obtain the most affordable policy possible.
Contact Bernardini & Donovan Insurance Services in Redlands for all of your California health insurance needs. We are extremely knowledgeable in all regulations and laws surrounding the Affordable Care Act, which is why we are the perfect team to guide you in your health insurance endeavors. We can help ensure that your health insurance complies will all new rules and regulations.