Jeff Janosick - Health Insurance Blog

Jeffrey Janosick

Jeffrey Janosick

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Your options after March 31, 2014 What you should know before you apply There are a few things you should know about Special Enrollment Periods before you apply. Make sure that you qualify for a Special Enrollment Period. Qualifying Life Events: Here are some examples of qualifying life events: Marriage or divorce Having a baby, adopting a child, or placing a child for adoption or foster care Moving your residence, gaining citizenship, leaving incarceration Losing other health coverage—due to losing job-based coverage, the end of an individual policy plan year in 2014, COBRA expiration, aging off a parent’s plan, losing eligibil...
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The Marketplace might need more information from you This Blog entry is copied from Healthcare.gov as of July 10, 2014.  Many of my customers have received a request for additional information from Healthcare.gov via mail or email.  If you received this request and have questions, please let me know.  Thank you. While most people provided all the data they needed on their applications, some consumers were asked for follow-up when they applied for Marketplace coverage. If we asked you for information to back up what you put on your application, we need your help. Sometimes the information in your application doesn’t mat...
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If you purchased your plan via healthcare.gov or Kentucky Kynect, please be advised of your 90-day grace period ... It is incredibly important, if you have been late on your payment in the past (paid after the 1st of the month), that you get caught up and make sure payments are credited and received by the insurance company on or before the last day of the month prior to the due date. For example, if the bill is due August 1, your payment should arrive and be credited by July 31. Essentially, if you have been late and keep paying late, without paying on time in full before the due date, you never leave the grace period, and on the 90th day ...
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Here are a few examples of how Advanced Premium Tax Credits (subsidies) work ...   Example 1: Single individual, 45040 zip code, 60 years old, self-employed, gross income is $60,000 but after write offs and expenses, Adjusted Gross Income (line 37 of tax return) was $32,000. Based on Adjusted Gross Income income of $32,000, this individual would qualify for an advanced tax credit of $269.76 per month. So a Silver Level Humana plan that costs $459.11 would end up running this individual $189.35 a month after applying the advanced premium tax credit.   Example 2: Family of four, 45238 zip code, 38-year old, 35-year old, 4-year ol...
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