Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller / SHOP Marketplace Enroller from Grand Rapids, Michigan.
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Members with Outstanding Citizenship / Immigration Data Issues Could Lose Marketplace Coverage.9/3/2014 The Centers for Medicare and Medicaid Services (CMS) is conducting a final series of outreach efforts to individuals whose eligibility for Marketplace coverage is in question due to missing or inconsistent citizenship or immigration status documentation. Individuals who do not respond by September 5 could have their coverage cancelled as of September 30. CMS expects carriers to work with cancelled members to help them transition to an off-exchange plan. Additional information is available on the Marketplace website or in the CMS press release. A sample of the CMS outreach letter can be found here. CMS will send a notice to individuals whose Marketplace coverage is ending. If you lose coverage as a result of this issue, you have the option to enroll in an individual plan outside of the exchanges. You have sixty days from the date you lose coverage to apply for a new plan. Eligible dependents may be able to retain Marketplace coverage. Contact Jeanine with your questions and concerns. Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller / SHOP Marketplace Enroller from Grand Rapids, Michigan. As you are likely aware, a settlement has been reached in a class action lawsuit against Blue Cross Blue Shield of Michigan (BCBSM) regarding claims that certain clauses in contracts between BCBSM and some hospitals in Michigan violate federal and state laws and inflated prices for medical care at certain Michigan hospitals. The Settlement includes all direct purchasers of health care services from a Michigan General Acute Care Hospital between Jan. 1, 2006 and June 23, 2014. Note: you did not need to be a BCBSM member between Jan. 1, 2006 and June 23, 2014 to be eligible for a settlement reimbursement. We encourage anyone who feels that they may be entitled to reimbursement under this settlement agreement to contact the plaintiffs' legal team at 1.877.846.0588 or submit a claim form online. Please note, to receive a payment, if one is owed, claims forms must be submitted by Nov. 16, 2014. Claim forms are available online or by calling 1.877.846.0588. The lawyers will coordinate the submission of the claim as well as the reimbursement. You will not be charged attorney fees. If you want to be represented by your own lawyer in this case, you may hire one at your own expense. As part of the litigation process, Priority Health shared claims data with the plaintiff law firms, who together with other law firms, are assisting plaintiffs. No other information from Priority Health is needed related to your claims. You will, however, need to submit proof of payment of your out-of-pocket charges in order to make a successful claim. This is outlined in the claims website. The best source of this information is your bank or credit card company through which you paid out of pocket for hospital services or the hospital where the services were provided. The best source for more information about the case, including how to make a successful claim, is to contact Plaintiffs' legal team at 1.877.846.0588 or visit their website. Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller / SHOP Marketplace Enroller from Grand Rapids, Michigan. 2013 Medical Loss Ratio Checks were mailed recently. This money is released after 2013 claims were paid by carriers The PPACA mandates that an insurance carrier who does not spend at least 80% of premiums on claims must provide a refund to the consumers. Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller / SHOP Marketplace Enroller from Grand Rapids, Michigan. Now, more than ever, retirement savings should be a priority. Please consider making retirement savings a priority. I know money doesn't grow on trees now, but it certainly won't in your retirement years either. With all the changes in healthcare reform, it is now recommended that retiring couples have $206,000 saved for their future medical expenses alone! Check out this info-graphic: "Can You Afford to Retire?" Contact us for a brochure on an investment product which offers a lifetime guaranteed income. In addition, we also offer products that guarantee your investment won't lose money, while providing an opportunity for upside growth. After the stock market fall in 2008, most baby-boomers want products like these to feel secure investing again.
 Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller / SHOP Marketplace Enroller from Grand Rapids, Michigan.  There are some health care benefits you can count on getting no matter the plan you choose in 2014. The Affordable Care Act requires that all new plans cover essential health benefits for all individual and family plans and small group plans. I've underlined the benefits which are typically not included in pre-2014 plans. All new 2014 plans offer these required essential health benefits:
Preventive services will be paid at 100 percent with no copay when you see an in-network provider. Other benefit costs apply towards deductible and will be paid for after you meet your deductible. Depending on the plan you choose, you may still be responsible for paying a copay and coinsurance. It is important to note that these benefits come with a higher price of coverage. In addition, approximately 10% of the new monthly premiums are taxes which will help pay for the start up of the Marketplace enrollment system and tax subsidies for eligible citizens. Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller / SHOP Marketplace Enroller from Grand Rapids, Michigan. For those of you who are on a new plan effective 1/1/14 or later, I'm going to briefly share a few key points regarding your current plan benefits. As the government has changed the Affordable Care Act (ACA) laws 35 times, we are finding our more every day which may affect your choices for the future. Initially, not all of the administrative procedures of the 2014 plans were released because they were still writing the legistlation. If you are on a new PPACA 2014 plan, depending on how much you use your insurance, you may not realize how differently the benefits are administered this year.
Open enrollment will begin again November 15, 2014 for a January 1, 2015 effective date. It is expected to run through February 15, 2015. We have no information yet on the 2015 plans and what the enrollment process will be. We have not been told yet if you will need to re-enroll. Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller / SHOP Marketplace Enroller from Grand Rapids, Michigan.  Be sure to purchase coverage before the end of March. If you miss that period, you will have to wait until the next open enrollment period. Please note: you can purchase dental and vision coverage at any time (including outside of the open enrollment period), even if you don't experience a qualifying life event. Here’s a list of life events that qualify you for a special enrollment period:
If you need more information, help understanding special enrollment periods or help choosing a health plan that’s best for you, talk to one of our experienced health insurance experts by calling 888-883-5290. Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller / SHOP Marketplace Enroller from Grand Rapids, Michigan. Recently the Department of Health and Human Services (HHS) extended the Transitional Relief policy for two years to policy years beginning on or before October 1, 2016 with the possibility of adding a one year extension. Thus, individuals and small businesses may be able to keep their non-ACA compliant coverage into 2017, depending on the plan or policy year. As with the earlier Transitional Relief policy, State governments and health insurance issuers will have the option to offer the Transitional Relief or not participate. Contact Jeanine with questions about your plan. |
Jeanine Kinzie
About Jeanine KinzieI love to work one-on-one with my clients to provide safe investment choices which will contribute to the financial success and security of individuals and families. Resources
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