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November 7, 2013 by  
Filed under Health and Fitness

The internet will have a new kind of online smart shopper. While most compare flights or hotel rates, soon people will be shopping for health insurance. A key component of the Affordable Care Act is the creation of online marketplaces for health insurance, or “online exchanges.”

Many entrepreneurs, small business owners, or freelancers have worried about providing quality health insurance for their family when they are working for themselves instead of a large corporation. Now there are more options than ever for consumer driven health plans.

Aspiring small business owners and entrepreneurs no longer need to spend sleepless nights worrying about the fate of their family if someone were to get sick or injured. Now there are many options for individual health plans.

When the Affordable Care Act was signed into law, states had the right to have a one-time opportunity to opt-in to creating their own exchange or to opt-out into using a federally created and managed exchange.

Determine what you “gotta have”

Let the kids be kids

The purpose of these exchanges is to present plans of healthcare benefits to individuals who do not have access to health insurance in any other credible way.

Assess Your Situation and Buy Appropriately If you are young and healthy, you can save a lot of money by choosing a plan with a higher deductible. If you have or foresee having regular medical attention a more inclusive plan with a higher monthly rate will likely save you money in the long run.

Check out the Network If you have been in the area and have a primary care physician that you like, double check that they are within your insurance company’s network. The easiest way to determine if a doctor is in network or not is by visiting the insurer’s website.

The individual then accesses the online exchanges, enters into the website their tax information to verify their income, enters the information from the document received from the employer, and asks the website to process the request. After the request is processed, the website tells the individual whether they are eligible or not.

Are Prescriptions Included? Be sure to find out the details of pharmacy coverage. Especially if you are taking a certain drug regularly, you’ll want to find affordable health insurance that will help defray the cost of your medicine(s).

Make sure that you show that you are interested in them and that you really do listen you are acting as their personal health insurance by watching out for them. It is also a good idea to be someone who they can lean on.

For participating states, those who have about $90,000 and have a family of 4 will be eligibility for thousands of dollars of tax rebates, provided the family does not qualify for any other affordable health insurance from any other source.

Altius Coventry Health Care is proud to be your partner in affordable health insurance. Along with health plans for businesses of all sizes, we also consumer driven health plans as well as coverage for Medicare beneficiaries.

Originally posted 2013-10-17 10:47:28. Republished by Blog Post Promoter

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