Cindy Horton, Licensed Life & Health Insurance Agent, Georgia
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FAQ
Frequently Asked Questions
The different health insurance types include:
- Affordable Care Act (Obamacare or Bidencare)
- Medicare
- Medicaid
As part of the American Rescue Plan Act (2021), many individuals and families are now eligible for lower — or in some cases $0 — monthly premiums for Marketplace health coverage.
The health care Marketplace (also called the Exchange) is where Affordable Care Act (ACA) health care plans are sold. You may also hear names like ObamaCare, BidenCare and Individual and Family Plans. These are all health care plans that people can buy on their own, rather than through an employer or another government-run program, like Medicare or Medicaid.
The Affordable Care Act (ACA), called Obamacare or Bidencare, was put in place to help make health insurance easier for people to get. Marketplace (ACA) plans are sold on the health care Marketplace, or Exchange. They focus on preventive care, cover pre-existing conditions, and provide benefits for things like doctor visits, prescriptions and lab tests.
If you’re looking for Marketplace coverage, you usually need to enroll during the established enrollment period.
Under the American Rescue Plan Act of 2021 (ARPA), you may be able to enroll in Marketplace coverage with lower premiums and see if you qualify for financial help. This financial help, or subsidies, could be tax credits or cost-sharing reductions to help pay for your health care costs.
Medicare is individual health insurance offered to U.S. citizens and other eligible individuals based on age, disability or qualifying medical condition.
Medicare coverage includes Medicare Part A and Part B (Original Medicare) offered by the federal government, and Medicare Advantage (Part C) and Part D prescription drug coverage, which are offered by private insurance companies.
Medicare supplement insurance (Medigap) plans are also offered by private insurance companies and help pay for some out-of-pocket expenses that Medicare Part A and Part B don’t pay.
Medicaid is a federal and state program in place for low-income families, seniors and individuals with mental or physical disabilities. People qualify for Medicaid by meeting federal income standards. The program is operated on a state-by-state basis and may be called different names depending on where you live.
Around 49% of Americans get health insurance coverage through their employers. That’s nearly 157 million people. Employer-sponsored health plans play a big role in benefits packages. our employer may offer more than one plan for you to consider. As you compare your options, consider what might work best for your budget and your care needs. These plans may include dental, vision, prescription drugs and so many more benefits.
- An open enrollment period is a window of time that opens up once a year (often in the fall) when someone can sign up for health insurance, adjust a current plan or cancel your plan.
- It’s usually limited to a few weeks. Once you miss it, you may have to wait until the next open enrollment period to make any changes.
Medicare is individual health insurance offered to U.S. citizens and other eligible individuals based on age, disability or qualifying medical condition.
Medicare coverage includes Medicare Part A and Part B (Original Medicare) offered by the federal government, and Medicare Advantage (Part C) and Part D prescription drug coverage, which are offered by private insurance companies.
Medicare supplement insurance (Medigap) plans are also offered by private insurance companies and help pay for some out-of-pocket expenses that Medicare Part A and Part B don’t pay.
Medicaid is a federal and state program in place for low-income families, seniors and individuals with mental or physical disabilities. People qualify for Medicaid by meeting federal income standards. The program is operated on a state-by-state basis and may be called different names depending on where you live.
Around 49% of Americans get health insurance coverage through their employers. That’s nearly 157 million people. Employer-sponsored health plans play a big role in benefits packages. our employer may offer more than one plan for you to consider. As you compare your options, consider what might work best for your budget and your care needs. These plans may include dental, vision, prescription drugs and so many more benefits.
- An open enrollment period is a window of time that opens up once a year (often in the fall) when someone can sign up for health insurance, adjust a current plan or cancel your plan.
- It’s usually limited to a few weeks. Once you miss it, you may have to wait until the next open enrollment period to make any changes.
FAQ
Frequently Asked Questions
What are the different types of health insurance? | UnitedHealthcare (uhc.com)
The different health insurance types include:
- Affordable Care Act (Obamacare or Bidencare)
- Medicare
- Medicaid
As part of the American Rescue Plan Act (2021), many individuals and families are now eligible for lower — or in some cases $0 — monthly premiums for Marketplace health coverage.
The health care Marketplace (also called the Exchange) is where Affordable Care Act (ACA) health care plans are sold. You may also hear names like ObamaCare, BidenCare and Individual and Family Plans. These are all health care plans that people can buy on their own, rather than through an employer or another government-run program, like Medicare or Medicaid.
The Affordable Care Act (ACA), called Obamacare or Bidencare, was put in place to help make health insurance easier for people to get. Marketplace (ACA) plans are sold on the health care Marketplace, or Exchange. They focus on preventive care, cover pre-existing conditions, and provide benefits for things like doctor visits, prescriptions and lab tests.
If you’re looking for Marketplace coverage, you usually need to enroll during the established enrollment period.
Under the American Rescue Plan Act of 2021 (ARPA), you may be able to enroll in Marketplace coverage with lower premiums and see if you qualify for financial help. This financial help, or subsidies, could be tax credits or cost-sharing reductions to help pay for your health care costs.
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