Non ACA-qualified Short Term health insurance for 360 days.

On October 12, 2017 President Donald Trump signed this Executive Order designed to restore consumer choice in the non ACA-qualified Short Term health insurance marketplace. Short Term health insurance is the only kind of non ACA (Obamacare) qualified health insurance available in the individual marketplace. Short Term health insurance is considered major medical health insurance but it is not ACA-qualified. As such, Short Term health insurance does not cover preexisting conditions and you do have to answer health questions in order to qualify. As of October 2, 2018, President Trump’s Executive Order became law and as such non ACA-qualified Short Term policies that keep you consistently insured for up to 360 days (one policy with one deductible) once again became available for all Americans to purchase.

After more than a year of being forced to “stack” four 90 day policies in a row in order to achieve a full year of health insurance coverage, the largest health insurance in our nation, United Healthcare has now decided to extend their 90 day non ACA-qualified Short Term health insurance policies to 360 days with one deductible (instead of four deductibles that come with four 90 day policies ‘stacked’ in a row).

United Healthcare’s non ACA-qualified Short Term health insurance policies are the most comprehensive non ACA-qualified Short Term health insurance policies in the industry. Unlike other non ACA-qualified policies, these policies cover outpatient prescription drugs and your health plan deductible is waived for Urgent Care visits and the “Copay Select A” plan waives the health plan deductible and only requires a $50 co pay for three outpatient doctor office sick visits each year. United Healthcare also covers each insured member to $2,000,000 on their “Plus Select A, “Copay Select A” and “Plus Elite A” plans which are outlined on page 4 of their new non ACA-qualified Short Term health insurance brochure linked here. For quotes and to apply online click the United Healthcare logo:

Please note: Non ACA-qualified Short Term health insurance plans are not required to cover certain “Essential Health Benefits” that are covered with ACA-Qualified plans. These benefits are:

1.) Maternity and newborn care
2.) Mental health and substance use disorder services
3.) ACA mandated Preventive care benefits. However, routine mammograms and cancer screens ARE COVERED with non ACA-qualified Short Term health insurance policies.
4.) Pediatric Services (including both oral care and vision care).

Please also note, this is extremely important. Even though United Healthcare’s new Short Term health insurance policies will keep you consistently insured for up to 360 days without interruption, if you purchase your Short Term policy outside of the annual ACA open enrollment period (Nov 1 to Dec. 15) you should not wait until a year later to renew your Short Term policy. For example, if you purchase your Consecutive Short Term policy in the month of June, you should not wait until the following June to renew your policy. You must cancel your current Short Term policy and reapply with a December 1st effective date. This is because when you renew your Short Term policy a year later, you will then be required to once again answer health questions in order to re-qualify. If you are too sick at that juncture to answer ‘no’ to the new set of health questions posed, you could be left uninsurable until the next annual ACA-open enrollment period begins again in November, in which case your new ACA-qualified coverage would not begin until the first day of the following year.

This being the case, it is absolutely essential that you renew your Short Term health insurance policy during the annual ACA open enrollment period (from November 1st to December 15th). Doing so ensures that if you are too sick at that juncture to answer ‘no’ to health questions posed when attempting to renew your Short Term policy, you will still have the option to purchase an ACA-qualified plan which would then cover your preexisting conditions (albeit at a much higher price). If this strategy is not clear, please contact us at (630) 582-1043 or call toll free at (866) 724-7123

The ACA (Obamacare) Individual Mandate was REPEALED by congress on 12/20/17. However, the Tax Cuts and Jobs Act of 2017 does not include repeal of this mandate until Jan. 1, 2019.

President Trump has also provided a way to avoid paying the Individual Mandate penalty for 2018 also.

2019 ACA Open Enrollment begins on November 1, 2018 and ends December 15, 2018. 

The 2019 ACA (Obamacare) Open Enrollment period will began again on Nov. 1, 2018 and end on Dec. 15, 2018. Policies purchased during this annual Open Enrollment period will begin covering you on January 1, 2019. There are no health questions and no preexisting conditions during this time period on all ACA-qualified individual health insurance policies. Depending on your projected 2019 MAGI – Modified Adjusted Gross Income – you may qualify for one or more federal health insurance subsidies to lower your premium, deductible, coinsurance and copays. To learn the income levels necessary to qualify for health insurance subsidies scroll down this page. Questions? Call (630) 582-1043. Out of state? Call toll free (866) 724-7123.

If you qualify for a subsidy please click “Shop for ACA-qualified (Obamacare) plans.” You will be able to pick a plan, get your subsidy and finish the entire process much faster than working solely with Healthcare.gov. You can also purchase ACA-qualified plans without a subsidy using Health Sherpa if you do not qualify. If you are healthy, do not need coverage for preexisting conditions and do not qualify for a subsidy click “Shop for non-ACA 360 day Short Term plans” for more affordable non ACA-qualified Short Term insurance.

                           

Determining your eligibility for one or more federal subsidies

Depending on what you expect your 2019 total household MAGI – Modified Adjusted Gross Income = (after deductions but before taxes) to be, you may qualify for a significant APTC – Advance Premium Tax Credit (federal subsidy) under the new health care law to lower your premiums. You may also qualify for a Cost Sharing subsidy to lower your deductible. If you believe your 2019 total household MAGI will be lower than:

$48,560 for an individual
$65,840 for a couple
$83,120 for a family of three
$100,400 for a family of four
$117,680 for a family of five
$134,960 for a family of six

you will be better off financially by shopping for a plan on the exchange (via Healthcare.gov) in order to receive an Advance Premium Tax Credit and/or a Cost Sharing reduction to reduce the premium and deductibles of either the Bronze, Silver, Gold or Platinum QHPs – Qualified Health Plans.

If you qualify for a subsidy please click “Shop for ACA-qualified (Obamacare) plans.” You will be able to pick a plan, get your subsidy and finish the entire process much faster than working solely with Healthcare.gov. You can also purchase ACA-qualified plans without a subsidy using Health Sherpa if you do not qualify. If you are healthy, do not need coverage for preexisting conditions and do not qualify for a subsidy click “Shop for non-ACA 360 day Short Term plans” for more affordable non ACA-qualified Short Term insurance.

                           

Shopping from another state? Call us toll free at (866) 724 7123 to get quotes from carriers in your state. 

Please note: If your income is lower than the 2018 Federal Poverty Level Information in your state, which is less than 138% of the FPL – Federal Poverty Level in states that expanded Medicaid and less than 100% of the FPL in states that did not. You will be offered Medicaid and as such will not be able to qualify for subsidized private health insurance. You can purchase private health insurance even if you qualify for Medicaid but you must do so without a subsidy. Click the chart below to determine the current Federal Poverty Level and percentages above it.

Please also note: If you qualify for a federal health insurance subsidy and your state has expanded CHIP – Children’s Health Insurance Plan – under Medicaid you may not be able to insure your children on your policy. Healthcare.gov will instead send them to Medicaid. You may wish at that juncture to purchase private health insurance at full price for your children instead.

Are your doctors in the 2018 Blue Cross Blue Shield of Ilinois PPO and HMO networks?

1951_find-provider_header

Dental insurance coverage from Blue Cross Blue Shield of ILLINOIS

dental-insurance-header
bluecaredental1a to see the outline of coverage for Blue Care Dental 1A plan.
bluecaredental1b to see the outline of coverage for Blue Care Dental 1B plan.
bluecaredental1aforkids to see the outline of coverage for Blue Care Dental for kids 1A plan.
bluecaredental1bforkids to see the outline of coverage for Blue Care Dental for kids 1B plan.

To apply for BCBSIL Dental insurance please download and print the paper application here > bluecaredentalapplication
Once completed, please fax your Dental insurance application to (630) 582-1043.

To see if your dentist is in the BCBSIL Dental PPO click here > BlueCare® Dental (DPPO)

Prescription drug coverage from Blue Cross Blue Shield of ILLINOIS

header_pharmacyt4

Preventive care coverage from Blue Cross Blue Shield of ILLINOIS

Preventative care

Share This