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Starting January 1st 2014, all insurance plan that are certified by the Health Insurance Marketplace, provide essential
By: Amira D. Wazeer
health benefits, follow established limits on cost-sharing (like deductibles, copayments, and out-of-pocket maximum amounts), and meet other requirements. You will need a qualifying health plan known as minimum essential coverage to avoid paying a penalty fee in 2014.
The essential health benefits include at least the following items and services:
Essential health benefits are minimum requirements for all plans in the Marketplace however plans may offer additional coverage. You will see exactly what each plan offers when you compare them side-by-side in the Marketplace. Luckily most common types of health insurance count as minimum essential coverage as well.
Minimum essential coverage includes the following:
Minimum essential coverage does not include coverage providing only limited benefits, such as coverage only for vision care or dental care, and Medicaid covering only certain benefits such as family planning, workers' compensation, or disability policies. Questions call the Marketplace at 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)
All insurance plans purchased by February 15, if approved will be effective March 1st, 2014. Plans purchased by March 15th will be effective April 1st. The deadline to purchase plans will be March 31st 2014. You must have a valid health care plan at least nine months to avoid paying a penalty.
Amira Wazeer is a state licensed and federally certified insurance agent with over 14 years experience. She specializes in Medicare, Affordable healthcare plans and Janazza (final expense) insurance. Consultations are free. Need a speaker at your upcoming events or have Questions and comments contact a.d.wazeer@ Comcast.net or call 404 202 1926