The information I was receiving from the different carries about The Patient Protection and Affordable Care Act was not the same. I just returned from Meetings with Aetna in Savannah Ga., they and Anthem Blue Cross Blue Shield are close to saying the same thing. This makes me feel better about writing more.
The first the Big Changes in 2014 are in the Individual Plans and the Small Group if you work for a Big Company with over 100 employees there will not be as many changes in 2014 as there will be in 2016
What I have learned is that the Insurance Companies and the Government are working hard to follow the new Law on Health Care and the over 2,700 pages makes it a very complicated job and interpretations are different. As I watch their Caution I am recommending that for the next few months we all use Caution. I am going to try and list some of the things I would be slow to make decisions on without a full understanding.
1. Grandfathered policies. Individual Policies written before March 23, 2010 and HAVE NOT BEEN CHANGED SINCE THAT DATE are called Grandfathered policies. They do not have all of the new mandates. At this time I am not sure enough of the benefits either way that
I am asking my clients to make no decision to change until we see the cost of the exchanges and learn more. If you have a policy written before March 23, 2010 and you did not make any changes to the policy since that time you may want to wait to change. You cannot buy a policy today that is Grandfathered. This is one where there is different information going around be careful.
2. If your policy comes up for renewal and you are with Aetna, Anthem or Medical Mutual and not Grandfathered I would suggest you make the best decision on what plan you would want to stay in and just renew. If you have AARP Aetna call me. 330-706-9263. October 1, 2013 the exchanges start with an effective January 1, 2014 date. Exchanges have NO Health Questions and subsidies for people with low income. To qualify for a subsidy they will base the amount of income on your 2012 tax return. Here is one place I have different information that will make a big difference. Is it on Goss or adjusted Gross income? Different interpretations on this at this time.
Who will be able to get Government Financial Assistance?
Here is how it will work from top to bottom within the income rage established by the new law. Those within income up to 133 present of the federal poverty line (of $29,327 for a family of four in
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2010) will be eligible for Medicaid. Those with an income between 133 percent and 400 percent of the poverty line (88,200 for a family of four in 2010) will be able
to get financial assistance from the government to buy healthcare coverage on the exchange.
Those with an income above 400 percent of the poverty line will still be able to buy coverage through the exchange, but they will be ineligible for government financial assistance.
Next I will talk about the four type of exchanges.
3. The exchanges, which will begin operating in 2014 just as Medicaid expands will provide subsidized insurance coverage to all those who fail to qualify for Medicaid and earn below 400 percent of the federal poverty line($88,200 for a family of four in 2010) The subsidized exchanges are projected to decrease the number of uninsured by 16 million people by 2019.
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