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New Paths To Health Insurance - How The Affordable Care Act Will Effect You

10/10/2013

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By Jemal R. Brinson and Ryan Haggerty | Tribune graphics
Key part of Affordable Care Act will make health coverage more widely available.

A key part of the Affordable Care Act takes effect Tuesday, when millions of Americans are expected to begin signing up for new health insurance plans, many of which will be subsidized by the federal government. The policies will be sold by various companies through government-run websites called exchanges or marketplaces, where people can compare plans before choosing their best option. The exchanges were created to offer affordable coverage to people who don’t have insurance or who pay too much for their coverage, with most low-income families qualifying for Medicaid or federal subsidies that will help them pay for their policies.

Most people who have coverage through their jobs will likely keep their current policies, although some may be eligible for policies offered through the exchanges. Insurers selling plans through the exchanges cannot deny coverage or charge more to people with pre-existing medical conditions, and they must cover treatments for those conditions. Many preventive services also will be covered at no cost. About 7 million people are expected to use the exchanges to shop for new policies, with coverage beginning in 2014, according to the Congressional Budget Office. With a few exceptions, people who do not have insurance will face a tax penalty, starting next year at $95 or 1 percent of household income, whichever is greater. Here’s a look at how Americans will access health coverage once the exchanges open, plus information about how implementation of the health care law varies across the states.

    DOWNLOAD THIS GUIDE HERE

DOWNLOAD
Affordable Care Act Timeline
SOURCES: Tribune Newspapers reporting, Kaiser Family Foundation, whitehouse.gov, healthcare.gov, University of Illinois at Chicago School of Public Health, Census Bureau, Department of Health and Human Services

Have questions? I can help you navigate through the confusing marketplace. Contact me!
Federally Facilitated Marketplace Enroller #JKINZIE49316@616
National Producer Number #8049289

Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller from Grand Rapids, Michigan.
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Marketplace Notification Guidelines - Updates On The Affordable Care Act

9/30/2013

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No Coverage Options - DOWNLOAD HERE
Group Coverage Options - DOWNLOAD HERE  

It is recommended that you distribute the attached notice above to your employees prior to October 1st. (Future new hires should receive it within 15 days of hire date.) There are no fines for not distributing it prior to October 1st, per the DOL notice dated 09/11/13.
 
This notice is to inform your employees of the opening of the Federally Facilitated Marketplace and their options to purchase insurance through the Marketplace (formerly called Exchange) which is scheduled to open 10/1/13.  We believe the opening may be delayed due to security issues.  As of this date, we still do not have plan designs and rates available for quoting the carriers on the Marketplace, so several areas are running behind schedule.
 
We are registered enrollers for the Marketplace and can assist your employees if they contact us at 888-883-5290 and/or use our FFM Enroller # JKINZIE49316@616  and NPN # 8049289 on their application.  The majority of employees will not be eligible for a subsidy, due to the premium assistance they receive from you, their employer.  However, spouses and dependents may be eligible for a subsidy, depending on several factors.  Part time workers are encouraged to contact us for assistance in purchasing insurance on or off the Marketplace, depending on their situation.  Penalties for not having coverage are 1% of adjusted gross income on 2014 taxes, and increase in subsequent years.

We wish to be the point of contact for your employees in order to ensure they have the proper information regarding your plan and contribution.  If incorrect information is reported to the Marketplace, your business may be subject to a fine for an employee who received a subsidy.  It is easier to prevent a problem than fix it when it comes to fines.  The fines are also not tax deductible.  This is complicated and ever changing.  
 
Please contact us with any questions or concerns you may have.  We are here to help you manage your employee benefits.

Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller from Grand Rapids, Michigan.
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10 Benefits Every Plan Must Offer Under Health Care ReformĀ 

8/27/2013

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Health care reform requires that all individual and small group health plans offer these 10 essential benefits starting in January 2014. Many of the benefits weren't provided or fully covered in the past, so including them means more benefits with more protection for you.

Ambulatory patient services - Care you receive without being admitted to a hospital - such as at a clinic, physician's office or same-day surgery center.

Emergency services - Care for conditions which, if not immediately treated, could lead to serious disability or death.

Hospitalization - Care you receive as a patient in a hospital, such as room and board, care from doctors and nurses, and tests and drugs administered during your stay.

Maternity and newborn care - Care provided to women during pregnancy and during and after labor; care for newly born children.

Mental health and substance abuse disorder services - Care to evaluate, diagnose and treat mental health and substance abuse issues.

Prescription drug coverage - Drugs prescribed by a doctor to treat an acute illness, like an infection, or an ongoing condition, like high blood pressure.

Rehabilitation and habilitation services and devices - Services and devices to help people with injuries, disabilities or chronic conditions gain or recover mental and physical skills.

Laboratory services - Testing blood, tissues, etc., from a patient to help a doctor diagnose a medical condition and monitor the effectiveness of treatment.

Preventive and wellness services and chronic disease management - These services include routine physicals, screening and immunizations. Chronic disease management is an integrated approach to manage an ongoing condition, like asthma or diabetes.

Pediatric services - The other nine essential benefits are provided to children along with dental and vision care.

Resources For Health Care Reform Updates - Websites To Check In With
www.KFF.org

www.AHIP.com  

www.HHS.gov

www.CBO.gov  

www.NAIC.org  

www.statereforum.org/states  

www.ncpa.org       



Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller from Grand Rapids, Michigan.
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    About Jeanine Kinzie

    I 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. 

    As a health and life insurance agent since 2004, I have been active in educating clients and the public about Healthcare Reform benefits and issues. I am also a small business advocate for current tax law and healthcare issues.

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