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Welcome to our Health Insurance FAQs section, where we address common queries to help you better understand your health insurance coverage.
A: The ACA, also known as Obamacare, is a federal law designed to improve access to health insurance, reduce healthcare costs, and expand Medicaid coverage.
A: U.S. citizens and legal residents who are not eligible for other types of coverage (like Medicare or Medicaid) can apply. Income-based subsidies may be available.
A: The standard Open Enrollment is from November 1 to January 15. Special Enrollment may apply for life events like job loss or marriage.
A: Yes, ACA plans cannot deny you coverage or charge you more due to pre-existing conditions.
A: Yes. Based on your income, you may qualify for premium tax credits and cost-sharing reductions.
A: Medicare Insurance is a federal health insurance program for people 65 or older, and for some younger individuals with disabilities or specific conditions.
Part A – Hospital Insurance
Part B – Medical Insurance
Part C – Medicare Insurance Advantage (private plans)
Part D – Prescription Drug Coverage
A: Your Initial Enrollment Period begins 3 months before your 65th birthday, includes the birthday month, and continues for 3 months after.
A: Part A is usually free. Parts B, C, and D have monthly premiums, which may vary based on income and plan choice.
A: Medicare Insurance Advantage (Part C) is a bundled plan offered by private insurers that includes Part A, Part B, and often Part D, plus extra benefits like vision and dental.
A: Final Expense Insurance is a small whole life insurance policy designed to cover end-of-life expenses like funeral costs, medical bills, and debts.
A: Seniors or individuals who want to ensure their loved ones aren't burdened with funeral and burial costs.
A: Final Expense policies typically offer coverage from $2,000 to $50,000, depending on the provider and applicant's health.
A: Many plans offer guaranteed or simplified issue, meaning no medical exam is required, just health questions.
A: Benefits are usually paid out to beneficiaries within a few days of submitting a claim, helping with immediate costs.
Discover the importance of preventive care services covered by your health insurance plan and how they can help you stay healthy
