Should you “Grandmother” Your Ohio Health Insurance Policy for 2015 (Avoid Obamacare)?

Jul 16, 2014 6:18:00 AM

You’ve probably heard about getting “grandfathered” into an old or current deal that will no longer be offered, but have you ever been grandmothered into something?

First, a quick note on grandma’s, why isn’t it called grandmothering to begin with? Let’s be honest, they are usually the ones responsible for making the unexpected good stuff happen. Grandfathers are usually just along for the ride.

Now that I’ve got that off my chest, you may may have already seen your health insurance company send you a letter informing you of your ability to keep your, non-grandfathered, health insurance plan through 2015.

Should you take that deal?

It’s hard to say without knowing the full details of your situation, but there are a few consistent rules to live by.

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Does a Bronze Plan Cover the Same Services as a Silver, Gold or Platinum on Your Ohio Health Insurance Plan?

Jun 3, 2014 8:25:00 AM

This question alone is a decent amount of proof that assigning medals to health insurance plans doesn’t make it easier to understand.
The short answer to this question, not really.

Someone, somewhere in a fancy room in Washington D.C. thought it would be clever to treat health insurance like it were competing in the olympic games.

Now, both you and I will be stuck saying, bronze, silver, gold, or on rare occasions platinum, after our health insurance plan name.

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What’s The Difference Between Your Deductible and Copay on Your Ohio Health Insurance Policy?

Jun 2, 2014 7:04:00 AM

 

This is basic health insurance 101, the deductible and copay are two of the first benefits you will use on your health insurance.

The deductible is the amount of money you are going to pay first before your policy “kicks in” or starts paying a portion or all of your medical bills.

Your copay is going to allow you to pay a set dollar amount for certain, specific medical services. These services are usually pretty basic and can include things like doctors visits, prescription medication and even emergency room and urgent care visits in some cases.

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What Is Critical Illness Insurance and Do You Need It?

May 29, 2014 8:30:00 AM

You might have noticed every time I open my mouth, or in this case, put my fingers on a keyboard, I’m telling you something you don’t want to hear or think about.

That is unfortunately the life of an insurance agent, it’s a dirty job, but someone has to do.

While it doesn’t seem likely any of my words of wisdom will end up in a greeting card anytime soon, today’s question about critical illness coverage is more of the same but just as important.

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Are Your Assets Factored Into Your Subsidy for Ohio’s Health Insurance Marketplace?

May 27, 2014 1:22:00 PM

So you are starting to get your ducks in a row to apply for health insurance through Ohio’s health insurance marketplace?

That’s good to hear, you know what they say about being prepared.

During this preparation you realized you had to find out if you qualified for a subsidy through the new marketplace.

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How Much Does a Knee Replacement Cost at the Cleveland Clinic?

May 22, 2014 7:13:00 AM

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How Much Do You Have to Pay For Your Employees Health Insurance (Legally)?

May 19, 2014 5:16:00 PM

 

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When Can Your Employee Start Coverage on Your Company's Health Insurance and How Much Would it Cost?

May 13, 2014 4:06:00 PM

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What is Coinsurance On Your Ohio Health Insurance Plan?

May 5, 2014 5:30:00 AM

 

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Can You Get Health Insurance (Obamacare) in Ohio After Open Enrollment?

Mar 25, 2014 6:04:00 AM

If you missed the open enrollment period or will find yourself without health insurance at some point this year, these two words will be your new best friend, “special enrollment.” These special enrollment periods are triggered by “qualifying events.”

You might be saying, “That’s great, Joey. What does that mean?”

Don’t worry, keep reading and I will take care of all your questions.

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