The Most Frequently Asked Questions We (Agents) Get In Healthcare

The Most Frequently Asked Questions We (Agents) Get In Healthcare

I purchased health insurance from the ACA in one state but have now moved to a new state. How do I transfer my coverage?

Well, good news – a permanent move to a new state is a qualifying event, meaning you have a special enrollment window to purchase a new plan in your new state. We can help you compare all of the available options in your new area to find the best coverage to suit your needs.

What are the deadlines for the open enrollment period happening now?

In most states, open enrollment for 2021 health plans ended on December 15th, 2020. However, the Biden Administration has opened a Covid-related special enrollment period, running from February 15th, 2021 through August 15th, 2021. Coverage is available for anyone who is eligible, including those who are uninsured or those who already have coverage through the ACA and would like to change their plan. There is no need for a qualifying event in order to purchase health coverage during this enrollment. Fantastic! 

Will my health insurance cover the costs of covid-19 testing and vaccines?

The short answer? It depends. Under the terms of the Families First Coronavirus Response Act, Medicare, Medicaid, and private health insurance plans — including grandfathered plans — are required to fully cover the cost of COID-19 testing for the duration of the emergency period. This includes the cost of lab services as well as the provider fee at whatever office, clinic or emergency room the test is administered in. However — health plans that are not considered minimum essential coverage (i.e. short-term health plans) are not required to cover COVID-19 testing under federal rules.

The CARES Act provides funding to reimburse providers for the cost of administering COVID-19 vaccines to all individuals, regardless of insurance status.

Is there still a penalty for not having insurance?

Although the IRS is not penalizing people who are uninsured as of 2019 and beyond, states still have the option to do so. A handful of states have pursued their own individual mandates and penalties for not having insurance: Massachusetts, DC, New Jersey, California, and Rhode Island.

Do all health insurance policies cover maternity?

The short answer for this? Almost. Almost all plans cover maternity. Since January of 2014, the ACA has required all newly issued and renewal individual and small group plocies to provide maternity coverage.  We can help you compare policies to make sure you’re making the best decision for you and your family.

Should I let my individual health insurance plan automatically renew?

The great answer to this question is — you don’t even have to think about it! We always notify you far ahead of time when your plan Is going to renew, and are ready to go over any questions or concerns you may have about your current policy and see if there is a need to change or add anything. We can let you know if an automatic renewal would result in a change in your monthly premium.

As always, we’re ready and waiting to answer any of your questions and get you the right coverage you need! Our expert agents and superior customer service make us the number one health insurance agency in Coral Springs and Parkland!

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