Health Insurance Plans: Bronze, silver, and gold plans

 Free Quotes: www.MintcoFinancial.com

Call 813 964 7100

What's best for you? 

Which plan is best for you depends on several things, but primarily on whether you have some health or medical problems and expect to need a lot of medical care and services during the year, or whether you are in excellent health and need a health plan just in case something happens.

Keep in mind, all plan levels—bronze, silver, and gold—cover most preventive care, including screenings and immunizations, in full, with little or no out-of-pocket costs to you.

Bronze $

• Lowest monthly premiums
• Higher out-of-pockets costs—deductibles, copays, and coinsurance
• Higher out-of-pocket maximums (the most you'll pay in a year)
• On average, pays 60 percent of your healthcare costs
• May be the best choice if you don’t expect to need much medical care

Silver $$

• Higher monthly premiums than bronze, lower than gold
• Lower out-of-pocket costs than bronze, higher than gold
• Lower out-of-pocket maximums than bronze, higher than gold
• On average, pays 70 percent of your healthcare costs
• The "middle" choice

Gold $$$

• Highest monthly premiums
• Lowest out-of-pocket costs
• Lowest out-of-pocket maximums
• On average, pays 80 percent of your healthcare costs
• May be the best choice if you expect to need a lot of medical care

Plans with HSAs

Another term you’ll see in some plan names is HSA, which stands for health savings account. These plans generally have high deductibles, meaning you’ll pay that amount for medical costs before your health plan’s coverage kicks in. These plans may have special tax advantages, and allow you to set up a special bank account for medical expenses. Because these plans have high deductibles, they generally have lower premiums. You should make sure you understand how these plans work before choosing them.

Other factors that affect the cost of plans 

• The number of people to be covered by the health plan
• The ages of people covered
• Where you live (your county)
• Income—determines whether you are eligible for financial assistance
• Whether you use tobacco

Call us at 813 964 7100 if you have any questions about your health plan or if you need a quote for a health plan.

www.MintcoFinancial.com

Coverage for pre-existing conditions: I have a pre exiting condition...can i get health insurance?

Health insurance companies can't refuse to cover you or charge you more just because you have a pre-existing condition. They also can’t charge women more than men.

Being sick won't keep you from getting coverage

Your insurance company can't turn you down or charge you more because of your pre-existing health or medical condition like asthma, back pain, diabetes, or cancer. Once you have insurance, they can't refuse to cover treatment for your pre-existing condition.

This is true even if you’ve been turned down or refused coverage due to a pre-existing condition in the past.

When you get care for a pre-existing condition, you’ll still need to pay any deductibles,copayments, and coinsurance your plan requires. It doesn’t matter whether you’re being treated for a pre-existing or new health condition.

What can I do if my plan tries to deny coverage because of a pre-existing condition?

Under the Affordable Care Act, you have the right to appeal. To learn more, see Rights and protections.

Five things you must know to understand the cost of your health insurance

Five things you must know to understand the cost of your medical care.

Premium

The amount of money you pay to keep your health insurance plan active. You will pay this amount monthly for  the entire year. Your health plan will remain active as long as you pay all of your monthly premium cost.

Co-Pays

The specified amount you pay for certain medical services. These services include doctors visits,pharmacy prescriptions,diagnostic testing, home care services and other services according to your insurance policy.

Deductible

The specified amount of money you will be responsible to pay before your insurance company starts paying. Your deductible will be met according to the amount of medical care you use during the year.

Co-Insurance

The amount of medical bill you will pay for specified services, after you meet your deductible.Your co-insurance cost is actually sharing the cost of your health care with your health insurance company.

Out of Pocket Maximum

The total cost you will pay before the insurance company pays all of your medical care for that year.

Free quotes: http://www.mintcofinancial.com/health-insurance-obamacare-quote

Call 716 565 1300 or 813 964 7100

Health Insurance for young single individuals: Why should i buy health insurance?

I’m young and healthy. Why should I buy health insurance?

People become seriously ill and injured at all ages. Health insurance protects your financial as well as your physical health. If you need medical treatment, from emergency services to hospital care to rehabilitation, your bills could become overwhelming very quickly.

Another good reason to buy health insurance for young adults: it is the law as of March 31, 2014.

As of March 31, 2014, you should have health care coverage. If you don’t, you will pay a penalty. The IRS will add this penalty to your tax bill at the end of the year.

The Affordable Care Act gives you many more options to find health insurance that fits your needs and your budget.

Need a free quote: http://www.mintcofinancial.com/health-insurance-obamacare-quote

Call 716 565 1300 to speak to our agent Lloyd.

Health Insurance Quotes Online: Can I buy coverage outside of the open enrollment period?

?Can I buy coverage outside of the open enrollment period?

Most individuals may only buy private health insurance doing open enrollment, which runs from November 15 through February 15. However, certain life events will qualify you for a special enrollment period, during which you can buy coverage through the Marketplace. Life events include losing job-based insurance, moving, or a change in family size. HealthCare.gov offers a screener to help determine if you qualify for a special enrollment period.

If you qualify for Medicaid or the Children’s Health Insurance Program, you may enroll at any time. There is no open enrollment period for these programs.

Health Insurance Quote: http://www.mintcofinancial.com/health-insurance-obamacare-quote

Call 716 565 1300

Can I buy coverage outside of the open enrollment period?

Can I buy coverage outside of the open enrollment period?

Most individuals may only buy private health insurance doing open enrollment, which runs from November 15 through February 15. However, certain life events will qualify you for a special enrollment period, during which you can buy coverage through the Marketplace. 

Life events include losing job-based insurance, moving, or a change in family size. 

HealthCare.gov offers a screener to help determine if you qualify for a special enrollment period.

If you qualify for Medicaid or the Children’s Health Insurance Program, you may enroll at any time. There is no open enrollment period for these programs.

Health insurance quote online: http://www.mintcofinancial.com/health-insurance-obamacare-quote

Call 813 964 7100 or 716 565 1300

I have a pre-existing condition. Can I get coverage?

Beginning January 1, 2014, you can get insurance coverage even if you have a pre-existing condition like asthma, cancer or diabetes. Under the new law, insurance coverage will not be denied to those who have serious illnesses or injuries, or who had them in past years.

This is a big change that will help many people who have tried to buy coverage and were rejected because they had a pre-existing condition.

Another important new law provides unlimited annual and lifetime coverage. Beginning in 2014, health plans are not allowed to put dollar limits on what they cover in one year or during your lifetime. So if you need a lot of health care treatment, you don’t have to worry about “running out” of insurance.

Need a health insurance quote? http://www.mintcofinancial.com/health-insurance-obamacare-quote

Call 813 964 7100/ 716 5651300

Call Lloyd to answer your questions! 813 964 7100

Health Insurance Obamacare online quotes: Quick and easy free online quotes

http://www.mintcofinancial.com/health-insurance-obamacare-quote

You won’t be able to purchase health insurance outside of open enrollment unless you qualify for a special enrollment period. Certain life events, like moving to a new state, losing or changing jobs, or a change in family size, will trigger a special enrollment period.

If you have health insurance but want a more affordable plan, start keeping basic records about your household income and spending. You may be able to receive discounts or financial help when buying coverage for next year. You will need to provide income information when you apply for coverage through the Health Insurance Marketplace.

http://www.mintcofinancial.com/health-insurance-obamacare-quote

Call 716 565 1300 to speak to an agent.

http://www.mintcofinancial.com/health-insurance-obamacare-quote

Can I buy coverage outside of the open enrollment period?

Most individuals may only buy private health insurance doing open enrollment, which runs from November 15 through February 15. However, certain life events will qualify you for a special enrollment period, during which you can buy coverage through the Marketplace. Life events include losing job-based insurance, moving, or a change in family size. HealthCare.gov offers a screener to help determine if you qualify for a special enrollment period.

If you qualify for Medicaid or the Children’s Health Insurance Program, you may enroll at any time. There is no open enrollment period for these programs.

What is Obamacare? Understand it in a few words

Obamacare – also known as the Affordable Care Act, or the ACA – is a law enacted to ensure that all Americans have access to affordable health insurance. It does this by offering consumers discounts (known as tax credits) on government-sponsored health insurance plans, and by expanding the Medicaid assistance program to include more people who don't have it in their budgets to pay for health care.

The ACA also changed some of the rules insurance companies have to follow. For example, in the past if you had diabetes or some other preexisting medical condition, you could be turned down for insurance or your cost for coverage would be astronomical. Now you can't be turned down for any reason and the hope is that costs will be contained.

Obamacare is not a plan. It is a group of reforms that private insurers must adhere to in their plans. For example, insurers under Obamacare may not deny coverage or treatment for those with preexisting health conditions. You may buy an Obamacare compliant plan from a private insurer, contact Mintco Financial at 716 565 1300 or go to www.MintoFinancial.com.

If you buy health insurance through your workplace, your employer will inform you about its open enrollment period. The information below is for people buying health insurance on their own.
If your buying health insurance on your own, you have several options for purchasing a policy:

From your state’s health insurance marketplace -- check https://www.healthcare.gov to find yours

Directly from a health insurance company: www.MintcoFinancial.com
From websites like www.MintcoFinancial.com tthat offers health insurance quotes (http://www.mintcofinancial.com/) from multiple carriers
From a health insurance agent: Call 716 565 1300

www.MintcoFinancial.com

When is open enrollment 2016 for health insurance: Obamacare

If you want to buy individual or family health insurance for 2016, now is a great time to start your planning.

Under the Affordable Care Act -- more commonly known as "Obamacare" -- you can sign up for health insurance on your state's health insurance exchange or marketplace only during an annual open enrollment period, unless you have a "qualifying life event," such as getting married or having a baby.

That annual open enrollment period is fast approaching.

If you buy health insurance through your workplace, your employer will inform you about its open enrollment period. The information below is for people buying health insurance on their own.

If your buying health insurance on your own, you have several options for purchasing a policy:

• From your state’s health insurance marketplace -- check Healthcare.gov to find yours
• Directly from a health insurance company: www.MintcoFinancial.com
• From websites like www.MintcoFinancial.com tthat offers health insurance quotes from multiple carriers
• From a health insurance agent: Call 716 565 1300 or 813 964 7100

www.MintcoFinancial.com

Call now for a free quote and consultation:

716 565 1300

813 964 7100

Medicare Special Needs Plan: Helping people with special needs

Who Can Join a Medicare SNP?

You can join a Medicare SNP if you have Medicare Part A and Part B, live in the plan’s service area, and meet the plan’s eligibility requirements, such as one of the following:

• You have one or more specific chronic or disabling conditions (like diabetes, congestive heart failure, a mental health condition, or HIV/AIDS).
• You live in an institution (like a nursing home), or you require nursing care at home.
• You have both Medicare and Medicaid.

Each Medicare SNP limits its membership to people in one of these groups, or a subset of one of these groups.

For example, a Medicare SNP may be designed to serve only people diagnosed with congestive heart failure. The plan would include access to a network of providers who specialize in treating congestive heart failure, and it would feature clinical case management programs designed to serve the special needs of people with this condition. The plan’s formulary would be designed to cover the drugs usually used to treat congestive heart failure. People who join this plan would get benefits specially tailored to their condition, and have all their care coordinated through the Medicare SNP.

Need help? Call 716 565 1300 and ask for Lloyd Schneider, our Medicare Specialist.

www.MintcoFinancial.com