New to the Marketplace? Here are three ways to get started:
- Apply by visiting our Get Coverage page and selecting your state.
- Complete your enrollment and pay your premium.
New to the Marketplace? Here are three ways to get started:
For baby boomers, now ages 51 to 69, many of the policy changes he’s suggesting would be helpful.
Boomers, who have been hard hit by the Great Recession, would benefit from of his middle class economics proposals such as a tax break for the middle class and free community college tuition for their kids.
Obama said with the growing economy, which includes less unemployment, the “shadow has passed. The State of the Union is strong.”
By Jennifer Payseno, family law attorney at McKinley Irvin
Although the overall divorce rate has declined over the last 20 years, the rate of Gray Divorce – divorce between spouses 50 and older – has doubled. In addition, people 50 and older who have been married more than once are 2.5 times more likely to divorce.
Many factors are causing Gray Divorce including: waiting until after children are grown, financial considerations, “empty nest” syndrome, and developing new interests/lifestyles, among others.
Those going through or considering a Gray Divorce need to examine retirement savings, insurance, Social Security, and estate planning. In all divorces, but especially in Gray Divorce, it’s important to protect beneficiary interests, insurance coverage, and financial accounts while the divorce is pending. For these items, the court will often enter restraints to protect both parties until the divorce is complete.
Spouses in a Gray Divorce have fewer working years left to contribute to separate retirement savings and less time to recover from any depletion of retirement accounts. Both spouses may have to delay retirement or adjust their standard of living to either contribute more to retirement savings now or to live on less later. Early withdrawals from retirement funds can also result in penalties and fees for those younger than 59½ as well as potential increased taxes and delays in retirement.
When patients go to the hospital, they should communication openly with their caregivers and expect to be treated with respect and dignity.
In a survey, Consumer Reports found a link between respectful treatment in hospitals and preventable medical errors.
The survey of 1,200 people, who were recently hospitalized, found those who said they rarely received respect from hospital staff were two and a half times more likely to experience a preventable medical error – such as a hospital-acquired infection, drug error, or an unplanned trip back to the hospital – as those who said they were usually treated with respect.
Whether you are on Medicare, selecting a plan through the Affordable Care Act, or have private insurance, here are some tips to help you more safely navigate the open enrollment season.
A variety of scams take advantage of Medicare recipients. Here are a few:
Affordable Care Act
If you are shopping in the Health Insurance Marketplace, only shop at HealthCare.gov. People who try to sign you up elsewhere may be scammers.
If you’re overwhelmed, you can find free official helpers at HealthCare.gov. Official helpers will never ask for money or try to sell you a particular plan.
Another important tip: The government will not call to sell you health insurance. And, no one from the government will ask you to verify your Social Security number or bank information over the phone.
If you’re looking for health insurance, make sure that’s what you’re buying. Be on the lookout for medical discount plans.
They’re not the same as health insurance, even though they sometimes pretend to be. Many of these plans are scams that don’t deliver on the services promised. Others are just a way for identity thieves to get your personal information.
Your state insurance commissioner’s office can tell you if a plan isn’t insurance and whether the seller is licensed in your state.
Report health care scams
If you gave out personal information, then call your banks, credit card providers, health insurance company, and credit reporting agencies immediately. The FTC’s website has more information on health care scams and medical identity theft.
With the open enrollment period for health coverage beginning on Saturday, Nov. 15, Consumer Reports has a web-based tool at HealthLawHelper.org offering information to help consumers navigate their healthcare options.
The webpage offers guidance to help consumers better understand how they may be affected by the Affordable Care Act. The tool is also available in Spanish at www.AseguraTuSalud and can be used on a variety of platforms, including mobile devices and tablets.
With open enrollment for Affordable Care Act starting in November, a survey finds that 42 percent of Americans say they probably won’t review a health insurance plan’s details before signing up.
An American Institutes for Research survey found wide gaps in Americans’ health insurance knowledge, with only 20 percent able to calculate correctly how much they owe for a routine doctor’s visit.
“Because many people believe they know more than they actually do about health insurance, they may not fully understand their options before committing to a particular health plan, or they may face the shock of high out of pocket expenses they didn’t expect,” said Kathryn A. Paez, Ph.D., an AIR researcher, and coauthor of the study.
Oct. 15 to Dec. 7 is open enrollment for Medicare Advantage and Part D (Prescription Drugs) so companies are hyping their plans, making them sound wonderful.
Medicare Advantage combines Medicare Part A (Hospital) and Part B (Medical), often covers Part D, and usually covers some of Medicare's deductibles and co-payments.
While Medicare Advantage plans may work well, they also can cost you more money and grief.
Pharmaceutical companies and device makers paid doctors about $380 million in speaking and consulting fees over a five-month period in 2013, according to a new federal database put online last week.
Some doctors received over half a million dollars each, and others got millions of dollars in royalties from products they helped develop.
Doctors claim these payments have no effect on what they prescribe. But why would drug companies shell out all this money if it didn’t provide them a healthy return on their investment?
America spends a fortune on drugs, more per person than any other nation on earth, even though Americans are no healthier than the citizens of other advanced nations, said Robert Reich, professor of public policy at the University of California at Berkeley.
A new database operated by Centers for Medicare & Medicaid Services shows that, during the last five months of 2013, drug and medical device companies made 4.4 million payments of nearly $3.5 billion to 546,000 physicians and nearly 1,360 teaching hospitals.
The information is being made available as part of the Open Payments program, created by the Affordable Care Act. It includes consulting fees, research grants, travel reimbursements, and other gifts from the health care industry.