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The HealthCare.gov Enrollment Deadline is Past…But It’s Still Not Too Late!

march-31-deadlineIn Line” But Still Waiting? We Can Help!

In light of the March rush for people to enroll before the HealthCare.gov Enrollment Deadline, CMS anticipates that a significant number of people who may have tried to or begun the process may not have finished it. If this is your situation, do no despair now that the intial deadline has past. CMS knows this and wants to help make sure that you can complete the application process in order to get covered. Continue reading

The Enrollment Countdown Rages On!

sony_vegas_pro_countdown_clock_tutorialOkay folks! We are getting down to the wire here. The last day to enroll in a 2014 health plan is approaching fast. The deadline is March 31, 2014. What this means to you is that if you have not acquired a health insurance plan by then, you will have to wait until November to apply without a qualifying event (such as a divorce, change of employment, relocation, etc.). Continue reading

{Last Session} Affordable Care Act Educational Sessions at Mount Carmel

Next Session:

Last Event of 2014

Mount Carmel East Hospital (new location)
Wednesday, December 11, 2013, 2:00 p.m. – 4:00 p.m., Bruce E. Siegel Center
5975 E. Broad Street, Columbus, Oh 43213

 

 

If you are confused – and maybe even a little intimidated – by what’s happening with the Affordable Care Act, I want to tell you about this great opportunity to get your questions answered.

In the coming weeks, I will be sharing information and answers about the changes in health insurance at the three Mount Carmel hospital locations. (The specific dates, times and locations are shown below.)

I am personally inviting you to come to one of these free presentations.anatomy of the exchange

Here are some of the topics I plan on covering:

• What is the cost? (And can I get money to help pay the cost?)
• What options are there for networks and providers?
• How can I find the plan that’s best for me?
• How do I enroll? Just how hard is it to sign up?

And of course, I will answer any other questions you may have.

These sessions are at a variety of dates, times, and locations. I hope you’ll find one that fits your schedule. This is a great educational opportunity with no cost or obligation.

Please join me!

Answers to Questions about Health Care Reform
Learn how the Affordable Care Act affects you

No advance registration is necessary. Simply arrive 10 minutes before the start time and go the the main reception desk for directions to the meeting space.

Last Event:

Mount Carmel East Hospital (new location)
Wednesday, December 11, 2013, 2:00 p.m. – 4:00 p.m., Bruce E. Siegel Center
5975 E. Broad Street, Columbus, Oh 43213

For more information, call (614) 344-4093.

At MyhealthQuoter.com, we are here to guide you and help you get informed and make the right decisions, and we will continue to do so in the advent of healthcare reform and as these different choices become available.

matt_81x106Matthew Byrne has made a career helping people find affordable health insurance in Ohio. He is the founder of MyHealthQuoter.com, a Dublin-based brokerage providing Ohio health insurance quotes and services for individuals, families and corporations. Mr. Byrne is a subject matter expert speaking frequently about Health Care Reform, Defined Contribution Programs, COBRA, and Medicare. He can be reached at (614) 336-3636, and online at www.MyHealthQuoter.com.

Need a Health Reform Speaker? Find it here, Business Fi

Seven Tips to Navigate Health Reform

The time approaching fast! Are you ready? Here are seven vital tips to navigate health reform. Be sure to download the PDF flyer with this information to print and share.

ONE:  On January 1, 2014- All plans on or off the federal exchange marketplace will be guarantee issue with no exclusion of pre-existing conditions which means the insurance company cannot deny you for coverage and they can’t exclude any of your medical conditions. Continue reading

DEC Presents: Affordable Care Act 101 (Live Event from Sept 19, 9-11am)

DEC Presents: Affordable Healthcare Act 101

Join us on Thursday, September 19 from 9:00am – 11:00am in the 1st Floor Training Conference Rm.

Program:

“Health Reform – Navigating the Changes in Healthcare”

PPACA

Learn about The Affordable Care Act

The newly enacted federal Patient Protection and Affordable Care Act makes sweeping and dramatic changes to how employers manage their employee benefits. It is crucial that employers stay abreast of changes that will immediately impact their businesses as well as begin preparation for future requirements that will have financial and administrative impact. Join us as we map out how reform affects businesses and individuals alike. The seminar will inform business owners, employers and human resource professionals on the latest information about health reform and how it will directly impact businesses.

 

Topics Covered:

· Employer Mandates

· Individual Mandates

· Coverage Expansion to Dependents

· Small Business Health Insurance Tax Credit

· Exchanges

· Medical Loss Ratio (MLR)

· Grandfathering

· How to stay in touch with new developments

· Early retiree reinsurance program

This Presentation will provide:

1. Deconstruction of the Bill and Its Provisions

2. A Timeline of Provisions and Employer Responsibilities

3. Practical Steps to Comply with the Law

4. Anticipated Changes to Benefit Plan Design, and the Role of Wellness Programs

This seminar will examine these impacts, analyze the options and opportunities and present what this means to you, your employees and your company. This conference will be useful for business owners, human resources professionals who are responsible for managing their employee benefit programs, health care providers and others involved in the health care industry.

Presenters: Matt Byrne & Barry Darryl Peel

Barry Darryl Peel is an Economic Development Specialist, Veteran Representative and Affordable Care Act Specialist with the U.S. Small Business Administration, Columbus District Office. Barry is responsible for creating and maintaining relationships with banks, chambers, economic development agencies, small businesses and small business assistance agencies. Barry brings over 15 years’ experience working with small businesses, especially Minority, Women and Immigrant owned.

Matt Byrne is President of MyHealthQuoter.com, a division of Spiralight Group, a health insurance brokerage specializing in affordable solutions for individuals, families and employer sponsored plans. Matt has a Bachelor of Arts degree from Boston University and holds a life and health insurance license.

He serves on the board of Central Ohio Professional Education Council (COPEC) and the Foundation Board of Trustees for First Community Church.

Location:

The Dublin Entrepreneurial Center is located at 565 Metro Place South, Suite 300, Dublin, Ohio 43017. For more information visit our website or even better join the conversation on twitter, facebook, or LinkedIn.

10 Tips You Need to Know About Health Reform (federal exchange marketplace)

You have questions and we have answers.  Because we value your time, we’ve quickly summarized the 10 things we believe you need to know to help you navigate health reform. For those who want a deeper look, access to a recording of our hour long webinar, a link is provided at the end of this post.

#1) On January 1, 2014 – All plans on or off the federal exchange marketplace will be guarantee issue with no exclusion of pre-existing conditions which means the insurance company cannot deny you for coverage and they can’t exclude any of your medical conditions.

#2) If you want a 01/01/2014 effective date, your broker will help you enroll in a plan between October 1-December 14, 2013.  Applications submitted on 12/15/2013-01/14/2014 will be effective 02/01/2014.

Marketplace subsidies available to those under 400 FPL

Marketplace subsidies available to those under 400 FPL

#3) The deadline to enroll in a 2014 health reform compliant plan, be it on the federal exchange or through the private market is 03/31/2014. If you miss this window, you will not be able to enter the system until 01/01/2015, unless you qualify for a special enrollment.

#4) Anyone making under 45,960 (single), $62,050 (couple) or $94,200 (family of 4) will receive federal subsidy to help you pay for your health insurance. If you are eligible for a subsidy, your broker will assists you in purchasing your health plan on the exchange marketplace and you will receive an immediate premium discount at the time of purchase, no extra forms, no waiting.

#5) If you are eligible for subsidy, you will buy your insurance on the federal exchange marketplace, with help from your broker.

#6) If you are NOT eligible for subsidy you will buy your insurance, with the help of your broker, OFF the federal exchange marketplace.

#7) All Americans will be required to purchase health insurance or pay a fine.

#8) You may keep your current plan but upon its renewal in 2014, it will be converted to a more costly Health Reform compliant plan.  Speak with your broker to determine if early renewal is right for you.

Community Rating Changes How We Are Charged for Health Insurance

Will my health claims affect my rate?

#9) The amount you pay for insurance will NOT be determined based on your health history.  Everyone of the same age, in the same zip-code, will pay the same amount. Except for smokers who will pay a lot more.

#10) Prices for 2014 plans are expected to cost significantly more than plans today due to Health Reform mandates.  The 2014 plans are richer plans, more robust than 2013 plans and therefore will cost more.

 

 

Before you take the next step you need to consider your health, age, income and current coverage options to determine if you should move quickly into a Reform compliant plan or take steps to delay your entrance into the world of Obamacare.

Feel free to call or email MyHealthQuoter.com, so that we can schedule a time to analyze your unique situation.

 

Some other resources for your review:

If you know anyone who has questions about Health Reform, please share this 2 minute animated YouTube video we created to help, http://youtu.be/-YUAPJssBOc

War Stories from Health Reform (Webinar Recording); www.anymeeting.com/myhealthquoter/EE55DD888747

Our website; http://www.myhealthquoter.com/ (A Private Health Insurance Exchange)

Our Blog; http://www.ohioindividualhealthinsurance.net/?p=625 (7 part Blog about Health Reform, among other things)

Facebook: http://www.facebook.com/pages/MyHealthQuotercom/31908081738?fref=ts

LinkedIn; www.linkedin.com/in/matthewsbyrne/

Twitter;  https://twitter.com/myhealthquoter

 

About The Author…

matt_81x106 Matthew Byrne has made a career helping people find affordable health insurance in Ohio. He is the founder of MyHealthQuoter.com, a Dublin-based brokerage providing health insurance quotes in Ohio, and additional services for individuals, families and corporations. Mr. Byrne is a subject matter expert speaking frequently about Health Care Reform, Defined Contribution Programs, COBRA, and Medicare. He can be reached at (614) 336-3636, and online at www.MyHealthQuoter.com.

 

How to Save Money by Navigating Health Reform: Next Webinar Fri 08/23/2013 at Noon.

We are hosting our monthly webinar on Friday, August 23rd, at 12 noon. I’d love for you to attend, it’s a great way to get a crash course in Health Reform!

Your Meeting URL  www.anymeeting.com/myhealthquoter1
Your Free Conference Call  Phone Number: 213-416-1560
Guest Access Code: 813 608 369

Ohio Health Quotes

How to save with health reform

If you know anyone who may benefit from this content, please forward this or share this link with a friend or on your facebook/twitter feed.
www.anymeeting.com/myhealthquoter1

“Mastering Obamacare: How to Save Money by Navigating Health Reform”
July 12th at Noon (Webinar)

No pre-registration required, just show up.

About The Author…

matt_81x106 Matthew Byrne has made a career helping people find affordable health insurance in Ohio. He is the founder of MyHealthQuoter.com, a Dublin-based brokerage providing health insurance quotes in Ohio, and additional services for individuals, families and corporations. Mr. Byrne is a subject matter expert speaking frequently about Health Care Reform, Defined Contribution Programs, COBRA, and Medicare. He can be reached at (614) 336-3636, and online at www.MyHealthQuoter.com.

 

Will congress defund health reform?

Defund or Delay? Don’t Count On It.

National Health Underwriters reports,

It’s been widely reported that when Congress returns from August recess, some Republican lawmakers hope to tie defundreform defundinging of health reform provisions to the overall federal government funding continuing resolution that needs to be passed by September 30. Many of these lawmakers have proclaimed defunding as their last and best hope to stop health reform implementation. As an alternative, some conservative groups have endorsed a one-year delay of all of the provisions of the law slated to take effect on January 1, 2014.

Not everyone in the GOP agrees. Many conservative thought leaders and political leaders, including Representative Paul Ryan, Senator Tom Coburn, Mitt Romney among others, have said they think the defunding plan is a bad one. Representative Tom Cole, who before being elected to Congress was a national GOP pollster and political operative, has even predicted that going forward with a defunding strategy could cost the GOP the House of Representatives in the 2014 midterm elections. Polling data bears that out—a recent health policy tracking poll shows that by a 2-1 margin voters say they will be less likely to vote for their member of Congress in 2014 if they support a health reform defunding effort tied to a government shutdown.

It’s important to know that the train has left the station.  Health Reform and 90% of its major provisions will spring to life on 01/01/2014. It’s important to get a game plan to determine how you will navigate health reform.  All politics aside, there are some critical decision (with potentially long term impact) that each of us must make this fall. Finding the right health insurance quotes in Ohio will take time and a clear understanding of where you fit into the system.

Here is a partial list of the provisions set to arrive in 2014.

  • All health products will be guarantee issue with no pre-existing condition exclusions.
  • No health status rating; ratings limited to
    • Age 3:1
    • Tobacco 1:5:1
    • Family Size
    • Geography (notice how your medical claims history and prescription use has no impact on how much you pay)
  • Health Insurance products must exhibit at least 60% “actuarial value”, must cover “essential health benefits”
  • Employer mandate (penalty delayed until 2015 but measurements for penalty will occur in 2014)
  • Individual mandate (all individuals are required to have health insurance, starting 01/01/2014)
  • Exchanges – an online marketplace where those eligible for federal subsidy will buy health insurance (starts 10/01/2013)

Many individuals are more comfortable with professional assistance when making decisions that involve detailed and confusing material.  Evaluating Health Reform coverage, federal subsidy money available and the complex enrollment on the exchange marketplace is unlike any other healthcare program you have evaluated in the past.  Mistakes can be costly.  This is why we developed our Health Advocate Program.

A Health Advocate will provide one on one consulting is designed to provide you the information and assistance you need as you navigate through all your options so you can confidently choose what is best for your personal situation.

About The Author…

matt_81x106 Matthew Byrne has made a career helping people find affordable health insurance in Ohio. He is the founder of MyHealthQuoter.com, a Dublin-based brokerage providing health insurance quotes in Ohio, and additional services for individuals, families and corporations. Mr. Byrne is a subject matter expert speaking frequently about Health Care Reform, Defined Contribution Programs, COBRA, and Medicare. He can be reached at (614) 336-3636, and online at www.MyHealthQuoter.com.

 

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