Tag Archives: Coverage

MEDICARE B COVERAGE

Medicare B or Medicare Part B facilitates coverage of medical essential services. Some of these services are physician services, outpatient care services, home healthcare services, as well as other health services. This part also has coverage for a number of preventive services. Part B medical insurance facilitates payment for a number of services and items not under Part A, commonly on outpatient services. Part B is actually discretionary and may be overdue if the husband or wife still works. There is a fine of ten percent per year. Thos is enforced due to non-enrolment to Part B unless the person still works. The coverage for Part B commences as soon as a

Obamacare Enrollment Data: Employer Based Coverage Declines

Obamacare Enrollment Data: Employer Based Coverage Declines
That was because almost all the gains in individual coverage through the Obamacare exchanges were offset by reduced enrollment in employer-sponsored group coverage. During the same period, Medicaid enrollment increased by about 5 million, …
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Latest Obamacare freakout: enrollment 'plummeting' (Spoiler: not so)
In the latest leg of their endless journey to find bad news about the Affordable Care Act, conservative analysts and websites have seized on some ambiguous figures to declare that enrollment is "plummeting," "shrinking," "sinking rapidly"–choose your …
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Wellpoint, Humana Obamacare Enrollment On The Rise
Wellpoint (WLP), parent of several Blue Cross and Blue Shield plans across the country, enrolled more Americans than it thought via public exchanges under the Affordable Care Act and expects even more people to sign up to its Medicaid plans for the …
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ITV channels arrive on Sky Go, giving UK subscribers live FIFA World Cup coverage on the move

Sky is bolstering its internet-based Sky Go service with access to a number of ITV channels. Starting today, subscribers can quickly tune into ITV, ITV2, ITV3, ITV4 and CITV whether they’re on a smartphone, tablet, laptop or desktop PC. ITV is a massive broadcaster in the UK and so its channel line-up should be warmly welcomed by most of Sky Go’s subscribers. In particular, it’ll give viewers access to ITV’s live FIFA World Cup coverage when the high-stakes tournament kicks off in Brazil later this month. Sky Go now supports up to 63 channels and will soon be joined by…

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Getting Health Coverage through Obamacare – Workshop #1

Getting Health Coverage through Obamacare – Workshop #1
Event on 2014-02-08 10:00:00

This is the first of three, free public workshops organized by 100 Black Men of Syracuse Inc. to allow attendees the opportunity to hear local representatives from the health insurance companies participating in NY State of Health, the state's health benefit exchange, explain the details and costs for the plans they are offering. Attendees will also be able to question Navigators, the non-profit organizations certified to help the uninsured obtain affordable coverage, and take home other information about the subsidies, tax credits and premium discounts available through the federal Affordable Care Act, as well as Medicaid expansion.

Admission is free, and advance registration is not required. Two other free, public workshops are scheduled.

— 2) Saturday, Feb. 15, 2014, 2 p.m. to 4 p.m., Hopps Memorial CME Church, 1110 S State St, Syracuse, NY 13202
3) Friday, Feb. 21, 2014, 3 p.m. to 5 p.m., Onondaga Community College, Whitney Applied Technology Center, Room 101, 4585 W. Seneca Turnpike, Syracuse, NY 13215

at Bethany Baptist Church
149 Beattie Street
Syracuse, United States

Medicare Prescription Drug Coverage For Dummies

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India Network International Visitor Health Insurance Announces Higher Pre-existing Coverage Limits for Visitors of All Ages


Orlando, FL 32835 (PRWEB) December 25, 2013

India Network Foundation, a US based non-profit organization announces new higher pre-existing condition coverage limits for all ages under the comprehensive plan. In the past few years, many visitors traveling to United States are suffering either from diabetic or blood pressure related problems. These medical conditions are sometimes unknown to visitors with no symptoms to check against those problems. With more than two decades of experience in visitor health insurance programs for elderly parents, India Network observed that the pre-existing medical conditions are seven times more likely to cause a hospital visit during a 90 day stay than accidents and new medical conditions. In order to help families with these (un)expected problems, India Network started offering coverage that specifically include coverage for pre-existing conditions. One India Network long term member recently said that the “India Network program is efficient and easy to enroll compared to Obamacare programs”.

The “EasySelect” design provide instant summary of all available options and the premiums associated with the plans in one click. With this information in hand, one can easily navigate and purchase the plan that they are comfortable with. The OnlineEnrollment link shows to enroll in the plan by completing simple application. There is no medical underwriting and policy will be issued instantly when payment is made using a credit card or debit card. The enrollment process is designed to take advantage of latest technologies and takes less than ten minutes for anyone.

ACE Network Plan (a comprehensive health plan) provide coverage for accidents, new medical conditions, and pre-existing medical conditions. The plan pays 80% covered medical expenses up to the policy maximum. This is a very popular option for expatriate community that desire to have a policy maximum of $ 150,000 with $ 25,000 for pre-existing conditions ($ 20,000 for 70 to 99 year olds). The ACE Plan coverage includes several other important benefits such as 24×7 Europ Assist services, medical evacuation, repatriation, accidental death and dismemberment benefit, among many other benefits.

Dr. KV Rao, India Network Foundation said that “it has been very difficult task to increase the pre-existing condition coverage limits for elderly parents visiting the United States. The loss ratios work against pre-existing conditions cover and not many insurance companies in the United States are willing take the risk, particularly with short term visitor insurance Plans. India Network is fortunate to overwhelming participation of Indian Community members in the United States to make it possible for us to obtain the very best possible insurance cover for elderly parents visiting the United States, Canada or Mexico”.

India Network Visitor Health Insurance Plans are open to all nationalities visiting the United States and are welcome to take advantage of the plans while visiting the United States. India Network Visitor Health Insurance plans are underwritten by ACE American Insurance Group and claims are adjudicated in the United States as well.

About India Network Foundation

India Network Foundation, established as a US non-profit organization, has been helping the Asian Indian community in the United States with several community programs and grants to academics from India for more than two decades. India Network Foundation sponsors visitor health insurance to tourists, students, temporary workers (H1 visa holders) and their families.Foundation encourages and facilitates various individual projects in Rural India.

For more information visit http://www.indianetwork.org.

About India Network Visitor Health Insurance

India Network Services, is a US based company that administers visitor health insurance to transition residents, tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups. Scheduled Benefit Plans, and comprehensive Plan with pre-existing condition coverage provide affordable health insurance coverage for all ages. India Network has been helping several Asian Indian families with Obamacare enrollment questions and plan selections under Obamacare for qualified US Citizens and Green Card holders.







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Obamacare Mental Health Coverage Gets Funding Boost from HHS

obamacare mental healthIn an effort to support the new Obamacare mental health mandates requiring all insurance companies to cover mental healthcare and substance use disorders, the U.S. Department of Health and Human Services recently announced plans to provide $ 50 million in funding to assist Community Health Centers either establish or expand services for people who struggle with mental illness and/or drug and alcohol abuse issues.

These funds will be used to expand programs in about 200 health centers across the country and will go to cover the costs of hiring more mental health and substance use disorder professionals and to increase the number of services they can offer to people with mental health and substance abuse conditions. Currently, many people have mental health and substance use disorders that respond to treatment but they are not able to access care.

ObamaCare Mental Health Parity

One of the major goals of the Affordable Care Act is to reduce the barriers that can prevent people from getting treatment for mental health issues. Obamacare mental health coverage provisions require insurance companies to cover mental health and substance use disorders in the same way they cover other medical conditions. This is known as parity and the protections afforded to consumers fall under the Mental Health Parity and Addiction Equity Act.

Under the Parity Act, which includes details about how Obamacare and mental health conditions relate, people who need services for mental health conditions or substance use disorders will:

  • Pay the same copay and coinsurance as they would for physical health services.
  • Have the same limits on mental health-related inpatient or outpatient visits as are placed on physical health-related inpatient or outpatient visits.
  • Have the same rules for care management of mental health or substance use disorders as they have for physical health conditions.

The main point of the Parity Act is to ensure insurance companies do not place more stringent rules on mental health care conditions than on other medical issues not related to mental health. This was often the case before the Obamcare mental health provisions were passed, making it more expensive and difficult to access mental healthcare benefits. In addition, health insurance companies are now required to disclose how mental health conditions are covered so consumers can compare those benefits with their physical healthcare benefits to make informed decisions.

Approximately 60 million Americans will benefit from this law, with 30.4 million Americans who currently have some mental healthcare benefits getting expanded coverage and 32.1 million Americans who will gain coverage for the first time. It is possible the numbers might be even higher once more people begin to seek treatment for illnesses that have not previously been diagnosed. Moreover, since health insurance companies are no longer able to deny coverage to people with pre-existing conditions, consumers will be able to access health care for mental health and substance use disorders that have already been diagnosed but may have not been treated until now.

It is important to note that the Parity Act does not force insurance companies to cover mental health or substance use disorder benefits. Those requirements fall under the Obamacare mental health provisions in the Affordable Care Act. The Parity Act only outlines the coverage requirements if a plan does cover mental health and substance use disorder benefits. Most health insurance plans, though, will cover these benefits beginning in 2014.

2014 Fiscal Year Budget Provisions

With the passage of the 2014 Fiscal Year Budget, Obamacare mental health coverage is affected in several ways:

  • Funds necessary for the timely implementation of the Affordable Care Act, which includes the mandatory coverage of mental health and substance use disorders.
  • Finalized regulations that guarantee mental health conditions will be covered the same as any other illness.
  • A $ 130 million initiative that is aimed at helping teachers identify signs of mental illness in students so they can refer them to Obamacare mental health services. This initiative will also support efforts to improve mental health outcomes for young people and provide funds to train 5,000 additional mental health professionals that will specialize in treating students and young adults.
  • $ 3.8 billion in funds to develop or expand mental health services offered through community-based health centers.
  • Increase incentives for mental health professionals to provide services in communities that are most in need. Obamacare mental health funds have tripled the size of the National Health Service Corps, which offers scholarships and loans to health care professionals who make a commitment to practice in communities that have high incidents of mental health and substance abuse disorders.

To assist consumers with mental health-related issues, the federal government has also launched a new user-friendly website to provide information about mental health conditions and their symptoms, how to get help and how to discuss mental health issues with others. This website is www.mentalhealth.gov and is available now.

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Obamacare Benefits: Insurance Companies Are Forced To Drop Substandard Coverage

obamacare benefitsRecently, there has been much criticism in the media surrounding insurance companies dropping consumers from healthcare coverage due to the Affordable Care Act. Unfortunately, this criticism is misleading because no one is losing their insurance because of Obamacare. The plans that are being cancelled by health insurance companies provide substandard coverage under the requirements of the ACA. They have to replace these junk plans with newer ones which provide better coverage..

The cancellation notices have only been mailed to some of the five percent of individuals who currently have substandard policies on the individual health insurance market. More than 75 percent of Americans currently get their insurance through their employer, the Veterans Administration, Medicare, or Medicaid and are not affected by these cancellations.

Obamacare Benefits: Health Plans Should Have Minimum Standards

All people who have received cancellation notices from their health insurance companies are gaining health insurance under new plans that meet the minimum standards of the Affordable Care Act. New Obamcare benefits that must be included in each qualified health plan include maternity coverage, mental healthcare, prescription medication coverage, and preventive care. In addition, Affordable Care Act health plans cannot drop you if you get sick and they cannot deny you coverage if you already have a medical issue.

People who have been covered under a substandard health insurance policy can choose to continue with their current health insurance company by enrolling in a more generous plan. They can also shop for affordable coverage on their state’s health insurance marketplace, where they may be eligible to receive federal premium subsidies to lower their monthly costs. The majority of Americans who are in this position will pay less for policies that cover the Obamacare benefits than they were paying for a less comprehensive plan.

Some People May Pay More

Although the federal premiums will be available to help many Americans who are losing their current substandard plans purchase better plans through their states’ health insurance marketplace, Americans who are in the higher income brackets may see their rates increase. This is because federal subsidies are only available to people who earn under a specific income as defined by the Affordable Care Act. Health plans offered on the exchange will generally be more expensive than substandard plans before subsidies because of the additional Obamacare benefits that have to be covered.

This is part of the individual responsibility President Obama mentioned in his speech that further clarified his earlier statements that Americans would be able to keep their current plans if they wanted to. People who are able to afford health insurance should receive less government assistance than people with lower incomes.

The president also said that if Americans had substandard plans that they wanted to keep prior to the Affordable Care Act becoming law, those plans could be grandfathered in. However, if an insurance company sold a substandard plan after the ACA became law, they would have to replace those plans with a qualified plan beginning in 2014. This is why some Americans are getting notices of cancellation, but in the end, the more comprehensive benefits under Obamacare benefit everyone. In general, people will be paying less for better healthcare, which meets one of the goals of the Affordable Care Act.

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