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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+ 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.

aca update

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 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,, “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.

aca update

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.

aca update

ACA Applications

Go to 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.

Ohio ACA Premium Rates
October 08, 2013

By Ray Wilson+

Ohio’s ObamaCare premium rates are now available. Ohio among other states have chosen to have the feds run their Exchange, rather than create their own. The name of the new Affordable Care Act plans are the Bronze, Silver, Gold, and Platinum plans.

Ohio Exchange Rates

The chart below displays plans available in Ohio for 2014. It is expected that more providers will be available in the coming years. It is important to note when looking over the chart the prices included are for certain ages, and do not include subsidies. For you specific premium or to find out 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 for a full-screen version of the Ohio ObamaCare Rate Chart.

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.

Ohio Healthcare Exchange: Tips for the 2014 Deadline
May 20, 2013

By Katie Banks+

Ohio Healthcare Exchange

The Patient Protection and Affordable Care Act (AKA as ObamaCare or Healthcare Exchange) begins January 1, 2014. If you are a resident of Ohio, are you ready for the changes? We have compiled tips to help ease the transition.

Healthcare Exchange OH
• Everyone must purchase federally approved health insurance during the open enrollment period. If you do not obtain insurance during this time you will be charged a penalty based on your income. Some people will be exempt from penalty such as if you are a member of an Indian tribe. To read more about penalties for the uninsured or to find out if you qualify for an exemption, please read the article Affordable Care Act: Penalties for the Uninsured.

• Nearly 1.2 Mil of the current uninsured residents of Ohio will qualify for federal subsidies, as well as anyone else making less than about 45K. To learn more about subsidies and to learn if you qualify, read the article Health Care Exchange Subsidies: Do You Qualify?

• Beginning October 1, 2013 and ending March 31, 2014, all residents of the Buckeye State must apply for health coverage during this open enrollment. After the first year, the open enrollment period is truncated by 3 months. Contact 800-930-7956 extension 0 for assistance signing up.

• Preexisting conditions no longer exclude citizens from obtaining health coverage. To learn more about this, read the article ObamaCare: Guaranteed Issuance for Everyone.

Next Steps
For Ohioans if you have any questions in regards to ObamaCare please call 800-930-7956 or contact Medicoverage: ObamaCare Ohio.

Ohio UC Health to leave Anthem Network
March 15, 2013

by Katie Banks

UC Health of OHIO has chosen to leave Anthem’s network if a new contract is not reached before April 15, 2013.  This impacts all Anthem plans (including Blue Priority, Blue Preferred, Blue Access, Traditional and Medicare Advantage plans) for the following UC Health facilities and health care providers:

  University of Cincinnati Medical Center
  West Chester Hospital
  UC Health Surgical Hospital
  The Drake Center
  University of Cincinnati Physicians Company-associated multi-specialty physicians & surgeons
  University of Cincinnati Medical Center’s adult liver and simultaneous pancreas/kidney Blue Distinction Center for Transplant agreement



  Children’s Hospital Medical Center
  Mercy Hospitals: Mt Airy, Western Hills, Clermont, Anderson & Fairfield
  Jewish Hospital
  Bethesda North
  Good Samaritan
  Christ Hospital
  Fort Hamilton Hospital
  St. Elizabeth Hospitals: Edgewood, Covington, Grant Co., Falmouth, Ft. Thomas & Florence
  Atrium Medical Center
  Dearborn County Hospital
  Adams County Regional Medical Center
  Southwest Regional Medical Center
  Highland District County Hospital
  Margaret Mary Community Hospital
  McCullough-Hyde Memorial Hospital
  Veterans Administration Medical Center

Other facilities:

  Health South Rehabilitation Hospital of Northern Kentucky
  Gateway Rehabilitation Hospital
  North Key Psychiatric Hospital
  Select Specialty Hospital
  Cardinal Hill
  Bethesda Butler County (formerly Butler County Medical Center)
  TriHealth Evendale Hospital (formerly Evendale Medical Center)

Medicoverage Now Offers Health Insurance Quotes in Ohio and Virginia
May 24, 2012

Katie Banks

Medicoverage announced today that it is now providing health insurance quotes and agent support in the states of Ohio and Virginia. Now you can get instant hassle-free health insurance quotes in your state by just entering your zip and date of birth. Following up with successful service in California, Colorado, Illinois, Texas, Florida and others, the company is excited to offer its free quoting service to these new states.

“We have always planned to expand to Ohio and Virginia and felt the timing was right,” said Medicoverage co-founder Chris Mihm. “We have had a lot of interest from customers in the Midwest and the DC Metro region, so we are excited that we can now service them,” he continued.

Expanding on this decision, co-founder Eric Scheinbaum explained, “We have seen a trend where more and more employers are choosing to not offer health insurance coverage to their employees and dependents so now, more than ever, it is important to have an trusted resource such as to explain your health care options, provide quotes and help you sign up for individual and family medical and dental insurance.

We have a proven record helping thousands of individuals sign up for Anthem Blue Cross, Blue Shield, Aetna, Cigna and United Health at the guaranteed lowest cost in other states and look forward to assisting the residents of OH and VA.”


ObamaCare by State
Find the latest ACA news on your state here

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