Finally an Easy Way to Apply for ObamaCare
November 13, 2013
By Katie Banks+
As you have probably heard, the ObamaCare website has had some serious glitches, but now there is a way to avoid all that. Medicoverage announced today that they are able to quickly submit paper applications for ACA Bronze, Silver, Gold, and Platinum plans in most states.
ObamaCare ACA Paper Application
The Affordable Care Act paper application is now available for individuals and families in the following states. This is the easiest way to apply for health coverage. Click on your state below to access the application.
Alabama ObamaCare Application
Alaska ObamaCare Application
Arizona ObamaCare Application
Arkansas ObamaCare Application
California ObamaCare Application
Delaware ObamaCare Application
Florida ObamaCare Application
Georgia ObamaCare Application
Indiana ObamaCare Application
Illinois ObamaCare Application
Iowa ObamaCare Application
Kansas ObamaCare Application
Louisiana ObamaCare Application
Maine ObamaCare Application
Michigan ObamaCare Application
Mississippi ObamaCare Application
Missouri ObamaCare Application
Montana ObamaCare Application
Nebraska ObamaCare Application
New Hampshire ObamaCare Application
New Jersey ObamaCare Application
North Carolina ObamaCare Application
North Dakota ObamaCare Application
Ohio ObamaCare Application
Oklahoma ObamaCare Application
Pennsylvania ObamaCare Application
South Carolina ObamaCare Application
South Dakota ObamaCare Application
Tennessee ObamaCare Application
Texas ObamaCare Application
Utah ObamaCare Application
Virginia ObamaCare Application
West Virginia ObamaCare Application
Wisconsin ObamaCare Application
Wyoming ObamaCare Application
Need Assistance filling out the Application?
You can call an agent to receive help while filling out the app or selecting the right plan by calling 800-930-7956. We are here to help you. Many people don’t realize that there is no fee to work with an agent. With our help and the new paper application you won’t experience the ObamaCare website timing out nor the long wait times for hotline assistance (apparently reported up to 45 mins!). And, not to worry, you will be still be eligible for ObamaCare subsidies if you qualify.
When you’re done with your application fax it to 310-765-4136 or mail it to the address on the cover sheet of your application.
ACA: Fed SHOP Delay, Small Businesses Enroll Through Agents
November 30, 2013
By Amy De Vore+
Healthcare.gov delayed the Affordable Care Act federal SHOP* exchanges purchased through their site till 2015. However, small businesses, if they qualify, may still receive SHOP tax credits when they enroll through insurance agents or brokers for the new ObamaCare small business plans.
*SHOP stands for Small Business Health Option.
This is just one of many delays, including the employer requirement that employers with 50 or more full-time equivalent employees must offer insurance or face a penalty. This was also delayed until 2015.
SHOP Employers Enroll Through Agents
Agents, like the team at Medicoverage, will be able to help employers find a plan(s) and enroll them, even though they cannot use the federal website. For employers to get an idea of plans click here to see the individual and family ACA Bronze, Silver, Gold, and Platinum plans available. Employers will need to contact their agent directly at 800-930-7956 to find out what works best for them.
If Your Employer Chooses Not to Enroll in SHOP
If you are an employee who will not receive job-based health insurance you are still mandated to have health insurance or pay an ACA penalty (tax). If you need your own health insurance go to HealthApplication.com to fill out your individual or family application. Once you send in this application your agent will inform whether you are eligible for federal subsidies and explain the plans to you.
Remember before you do anything, check with your employer to see if they enroll you in a plan. If your employer offers you qualifying insurance you cannot receive subsidies. For further questions contact Medicoverage.
Fed’s ACA Website Will Not Be Fixed by Dec 1st, CMS Says
November 27, 2013
By Katie Banks+
The federal website, Healthcare.gov, “will not work perfectly on Dec. 1,” per CMS spokesperson, Julie Bataille. The spokesperson went on to say, “periods of suboptimal performance” will still be present due to high traffic and technical difficulties, according to The John and Rusty Report.
The website has been plagued with long wait times and the system timing out when people try to apply for one the new ACA plans: Bronze, Silver, Gold, and Platinum. Bataille’s announcement came after the federal website had an unexpected one hour outage on Monday, November 25, 2013.
How to Avoid the Federal Website
Many people may not realize that they do not have to use the federal website to be insured and receive federal subsidies on January 1, 2014. Agents and brokers are able to help people enroll in plans without the consumer having to go onto the fed’s site. All federal applications should be in as early as possible to have coverage on January 1, 2014. Below you will find the application:
At anytime if you have a question while filling out your application or to learn about which plan is right for you call 800-930-7956 or contact Medicoverage.
ObamaCare: Federal Enrollment Extended Till Dec 23rd
November 27, 2013
By Ray Wilson+
The federally run Obamacare plans have received an extension till December 23, 2013 for a January 1, 2014 start date. This gives consumers in those states an extra 8 days to decide on one of the new Bronze, Silver, Gold, or Platinum plans.
Go to Healthapplication.com to get your paper application. Once you fill out the application and send it in, you will be contacted to discuss plans and informed if you qualify for subsidies. Remember to fax, scan and email, or snail mail your application in as soon as possible.
To learn if your state has extended its deadline call 800-930-7956 or contact Medicoverage.
Do you Live in one of the 24 States Not Expanding Medicaid?
November 07, 2013
By Amy De Vore+
24 states have decided not to expand Medicaid to about 5.4 Million eligible residents. The Affordable Care Act presented a plan to the states that 100% of the cost of Medicaid would be covered by the federal government for the first three years, after that the states would pay 10% of the cost in the fourth year. However, some states did not think was advantageous to its citizens. Individuals are still able to purchase the Bronze, Silver, Gold, or Platinum plans, but they would not be eligible for subsidies if they fall below 100% of the poverty line ($11,490 for 2013).
The following states have chosen not to expand Medicaid: Alabama, Alaska, Florida, Georgia, Idaho, Indiana, Kansas, Louisiana, Maine, Mississippi, Missouri, Montana, Nebraska, New Hampshire, North Carolina, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Wisconsin, and Wyoming.
For further questions call 800-930-7956.
Texas ObamaCare Exchange Rates
October 15, 2013
By Katie Banks+
The ObamaCare premium rates for Texas’ Exchange have been released. The rates listed are for the new Bronze, Silver, Gold, and Platinum plans.
Texas ObamaCare Rates
The table below shows the 2014 rates for Texas plans. Take note that not all ages are represented, as well as subsidies are not included. To learn your specific premium or if you qualify for premium subsidies or cost-sharing subsidies call 800-930-7956 or contact Medicoverage. Scroll to the right to see prices.
Click here to see a full screen version of Texas’ ObamaCare rate chart.
ObamaCare: 5.7 Million Left Uninsured
June 06, 2013
By Amy De Vore+
With the Affordable Care Act beginning its Healthcare Exchange January 2014, millions of Americans living below the poverty line will be left without access to the new “metal plans”: Bronze Plan, Silver Plan, Gold Plan, and Platinum Plan.
Who is Eligible for Federal Subsidies?
Federal subsidies begin at the Federal Poverty Line (FPL) of $11,490 and go up to 400% of the FPL at $45,960. These persons may be eligible for federal premium subsidies and possibly federal cost-sharing subsidies.
How many Americans are Ineligible for Subsidies?
Many Americans living below the poverty line will not be able to receive federal subsidies, Medicaid, or other state and federal help with insurance. This leaves an estimated 5.7 million uninsured, because they live in states that have blocked the expansion of Medicaid. Among these states are: Texas, Florida, Kansas, Alabama, Louisiana, Mississippi and Georgia. These Americans are eligible for healthcare insurance help if they lived in a neighboring state.
How the Affordable Care Act Helps the Uninsured
May 31, 2013
By Amy De Vore+
The Affordable Care Act helps the uninsured in a few ways. For instance, in the LA Times today there was an article about a woman making $12.68 an hour, mother of one child, lives in Los Angeles, and recently choose to forego surgery because she was uninsured. As of January 1st this woman would have options for health coverage.
How the Affordable Care Act Helps Uninsured
She isn’t qualified for Medicaid, however since she works she may qualify for job-based insurance as 2015. Until then and if her employer doesn’t offer insurance she would qualify for premium subsidies and cost-sharing subsidies, and her daughter would qualify for Medi-Cal.
Costs for Lower-Income Families
The article doesn’t state how old she is, but if she is 30, her Silver plan premium could be as low as $93 a month and her deductible would be reduced from $2000 to $500, and a reduced maximum out of pocket from $6,350 to $2,250. This would apply to any single parent to one child living in the Los Angeles area, making her salary.
How do Lower-Income Families and Individuals Get Insurance?
First, it’s important to remember for anyone purchasing a plan from the Health Insurance Marketplace you need your W2 paperwork and financial information handy like child support, alimony, assets. Then you can either go directly through your state’s newly established call center’s navigators or you can go through your insurance agent. Many don’t realize that agents can help with on and off-Exchange plans.
Lower Income Seniors
Seniors do not have to do anything as of January 1st. Seniors stay on Medicare and do not apply for the new metal plans. Make sure your friends and parents are aware that there is nothing for them to do, because states are vocally expressing their concerns about seniors being tricked by scammers into giving away personal information due to the lack of awareness in regards to the ACA.
To learn if you qualify for a subsidy call 800-930-7956 or contact Medicoverage.
Healthcare Exchange Texas: 4 Things You Must Know
May 18, 2013
By Katie Banks+
For the 25.6 Mil Texans wondering what the Patient Protection and Affordable Care Act (AKA as ObamaCare or Healthcare Exchange) means for them, we’ve found answers.
1) Under federal mandate all citizens must purchase federally approved health insurance during the open enrollment period or pay a penalty based on your income. Some Texans will be exempt from penalty for reasons such as if the basic coverage’s monthly premium exceeds 8% of your income. To read more about penalties for the uninsured or to learn if you qualify for an exemption, go to Affordable Care Act: Penalties for the Uninsured.
2) The federal government is offering subsidies to help alleviate the burden of high monthly premiums to more than four million Texans. For more information subsidies and to learn if you qualify, read the article Health Care Exchange Subsidies: Do You Qualify?
•3) October 1, 2013 to March 31, 2014 is the open enrollment period in which you must apply for health insurance. For 2015 and beyond, the open enrollment period is a shortened 3 months. Contact 800-930-7956 extension 0 for assistance signing up.
4) Every Texan is guaranteed health coverage under ObamaCare, regardless if you have a preexisting condition. To learn more about this, read the article ObamaCare: Guaranteed Issuance for Everyone.
If you have any further questions in regards to ObamaCare and Texas please call 800-930-7956 or contact Medicoverage: Texas.