The following are topics that come up from day to day, and we are sharing them here for everyone's knowledge.
You can also find information on the Health Ins Solutions Facebook page.
Telemarketers of health insurance
I've had several people to contact me and ask my opinion (usually after they've had a bad experience) about an insurance plan that they bought from a telemarketer. These telemarketers tell people that they can save money; that they have other choices than Obamacare; and that their plans will cover their medical expenses and prescriptions. Please, always ask if these plans are ACA-approved. Chances are they are not which makes them not true health insurance. They are more than likely discount plans or indemnity plans. There's a big difference. Don't fall for it. If it's too good to be true, it's probably not.
Employer insurance vs subsidies
Please be aware that if you are offered group health insurance by an employer, you do not qualify for assistance (or a subsidy) from the government. There is a question on the healthcare.gov application that asks if you are offered health insurance by an employer. It is considered insurance fraud if you answer “no” just to get government assistance. I know it is frustrating, especially when your employer’s health insurance is expensive, but it is the law.
I can't express how important it is to keep your address updated with your insurance company. If you have Medicaid services, they will cut you off if you do not respond to their requests and/or they cannot get ahold of you by mail.