Not sure what to do to get health insurance? We’ll make it easy for you, keep reading. You’re no longer covered by your parent’s insurance after you turn 26. Under the Obamacare laws you can stay on your parent’s healthcare plan until you turn 26, regardless of whether you live with them. I Depending on… Continue reading When you turn 26…
Category: FAQ
Frequently Asked Questions
$4 Generics at Walmart
Here’s How the Walmart $4 Prescriptions Program Works and Which Medications Are Included Having a high deductible on your health insurance when you need a life-saving medication can be stressful. Luckily, there are a lot of different ways to save. In fact, many large retail pharmacies offer their own solution. Pharmacy savings programs have been… Continue reading $4 Generics at Walmart
When & How to Enroll
Enrollment Basics Your options for obtaining Health Insurance in Maine are limited if you didn’t enroll during open enrollment. The next open enrollment period will start in November for coverage effective January 1, 2021. The November 1 – December 15 enrollment window is for people who buy their coverage in themselves. If you have employer-sponsored… Continue reading When & How to Enroll
Lost your job?
What to do if you lose your job-based health insurance or COBRA, what are your options? As Mainers obey the shelter-in-place mandate from Maine’s new Governor, Janet Mills, many workers are losing their jobs, and along with their jobs, their health insurance. Option 1 – COBRA Over half of us get health coverage through our… Continue reading Lost your job?
Special Enrollment
Qualifying Events for Health Insurance Coverage Need to get health insurance but missed the annual Open Enrollment Period (OEP)? Open Enrollment typically lasts from November 1 until December 15 and is the one time of year that individuals who buy their own health insurance can get insured or switch plans with no strings attached. In… Continue reading Special Enrollment
APTC Repayment Limits
Advanced Tax Credit Repayment Limits If your income was much higher in 2019 than you estimated when you filled out your Obamacare application then you may have to pay back some or all of the money that the government sent to the insurance company to lower your monthly payment. If this is the case read… Continue reading APTC Repayment Limits
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Turning 65 with Obamacare
When you turn 65 you will no longer qualify for reduced monthly premiums and you may be subject to a life-time penalty if you do not enroll in Medicare. Here is what you need to know about changing from the Marketplace to Medicare. This first step is to enroll in Medicare. If you are turning… Continue reading Turning 65 with Obamacare
How to know which plan is best.
Which health insurance plan is best? Bronze, Silver, Gold or Platinum? Answer: It depends on what you need. In Maine and New Hampshire there are no Platinum plans available. Gold plans are the most expensive, Silver comes next and Bronze premiums will be lowest. All of these plans will cover all essential benefits, but the priciest will… Continue reading How to know which plan is best.
Turning 26. When should you apply?
When you turn 26 you can apply for a Marketplace or Obamacare plan before your 26th birthday so that your new health insurance plan will start on the first day of the month when you turn 26. Insurance coverage for adults covered under a parent’s employer group health insurance ends on your 26th birthday. After… Continue reading Turning 26. When should you apply?