Brokers and insurers can sell traditional products, but they may also sell marketplace plans that offer customers subsidies.
1. Don’t wait until the last minute to look for a plan.
2. Look beyond the premium when figuring potential costs.
3. Check provider networks.
4. Estimate your income carefully.
5. Don’t be fooled by lookalike websites.
As the October launch of the state health insurance marketplaces approaches, parents have many questions about covering their children. Consumer columnist Michelle Andrews answers their questions.
Consumer columnist Michelle Andrews answers readers’ questions about buying coverage through the new health insurance exchanges.
Consumer columnist Michelle Andrews answers readers’ questions about coverage subsidies for families under the Affordable Care Act, filling the gaps in Medicare coverage and laws governing health plans in companies that conduct business in more than one state.
A growing number of doctors have begun holding group appointments — seeing up to a dozen patients with similar medical concerns all at once. Advocates say such visits allow doctors to treat more patients, spend more time with them, increase appointment availability and improve health outcomes.
The health law specifies that birth control is a covered service in many plans ending the burden of a high up-front cost for IUDs and hormonal implants.
Patients who are kept in the hospital observation units to monitor their condition may not be formally admitted. When this happens they often have to pick up a bigger share of the cost.
Michelle Andrews answers reader questions about the pregnancy benefits offered in the health overhaul, assurances that current insurance policies will be honored in the future and switching employer health plans.
The requirement is only for individuals, small-groups; advocates say benefits may not be comprehensive or affordable enough.
Starting in 2014, the Affordable Care Act will make it easier for people who lose their job-based coverage to get comprehensive health insurance at a price they can afford through the state-based health insurance exchanges.
Answers to readers’ questions about how seniors can qualify for coverage for the inoculations, whether parents are required to keep young adults on their plan and getting pregnancy care for dependents.
Alzheimer’s disease can’t be prevented or cured, and it ranks second only to cancer among diseases that people fear. Still, about two-thirds of us say we would want to know if we are destined to get the disease.
On-site workplace clinics used to be primarily focused on patching up people who got injured on the job. Then companies added primary care and started emphasizing preventive screenings and other “wellness” services. But now their offering a variety of add-ons, including physical therapy, dental and vision exams, mental health counseling — even acupuncture and massage.
In a recent study, laxative-free virtual colonoscopy was nearly as effective as the optical colonoscopy at detecting larger polyps of at least 10 millimeters that are responsible for most colorectal cancers.