Thursday, November 20, 2014

Health Insurance Enrollment FAQs

Understanding the Affordable Care Act 

Insure the Lake can help you with your Lake of the Ozarks health insurance needs.  Open enrollment for 2015 will be from November 15, 2014 to February 15, 2015.  For 2015, coverage can start as early as January 1, 2015.  Insurance in the Marketplace are offered by private companies and they all cover the same core set of benefits, known as essential health benefits.  No plan can turn you away or charge you more because you have an illness or medical condition, and plans can't charge women more than men.

Q: What does Marketplace health insurance cover? 

A: All private Lake of the Ozarks health insurance plans offered in the Marketplace offer the same set of essential health benefits.  These benefits include at least the following items and services:
  • Ambulatory patient services (outpatient care you get without being admitted to a hospital) 
  • Emergency services
  • Hospitalization
  • Maternity and newborn care (care before and after your baby is born) 
  • Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy) 
  • Prescription drugs
  • Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities or chronic conditions gain or recover mental and physical skills)
  • Laboratory services
  • Preventative and wellness services and chronic disease management
  • Pediatric services

Q: Am I eligible for coverage in the Marketplace? 

A: Most people are eligible for health coverage through the Marketplace. To be eligible through the Marketplace, you: 
  • Must live in the United States
  • Must be a U.S. citizen or national (or be lawfully present) 
  • Can't be currently incarcerated

Q: What if I have a pre-existing health condition? 

A: Being sick doesn't keep you from getting coverage.  A Lake of the Ozarks insurance company can't turn you down or charge you more because of your condition.

Q: Will I qualify for lower costs on monthly premiums? 

A: When you get health insurance coverage in the Marketplace, you may be able to get a premium tax credit that lowers what you pay in monthly premiums. This will depend on your household size and income. When you fill out a Marketplace application, you’ll report your household size and income. If your income falls between the amounts shown below, you’ll qualify for a premium tax credit that you can apply directly to your monthly premiums. This means you’ll pay less money to your health insurance company each month.  Keep in mind that if you or your spouse have other coverage available, you may not be eligible for a subsidy.

If your income falls within the following ranges, you’ll generally qualify for a premium tax credit. The lower your income is within these ranges, the bigger your credit. (The amounts below are based on 2014 numbers and are likely to be slightly higher in 2015.)

  • $11,670 to $46,680 for individuals
  • $15,730 to $62,920 for a family of two 
  • $19,790 to $79,160 for a family of three
  • $23,850 to $95,400 for a family of four
  • $27,910 to $111,640 for a family of five
  • $31,970 to $127,880 for a family of six
  • $36,030 to $144,120 for a family of seven
  • $40,090 to $160,360 for a family of eight

Q: What is modified adjusted gross income? 

A: When you fill out the Marketplace application, a number called “modified adjusted gross income” (MAGI) will be used.  MAGI is generally your household’s adjusted gross income plus any tax-exempt Social Security (except for SSI, which is not counted), interest and foreign income you have. It’s used to determine your eligibility for lower costs on Marketplace coverage, and for Medicaid and CHIP.

Q: What if someone doesn't have health coverage? 

A: Beginning in 2014, if you don’t have health coverage, you may have to pay a fee. You may also have to pay for all of your health care. The fee is sometimes called the "penalty," "fine," "individual responsibility payment" or "individual mandate."

Q: How do I apply for health coverage? 

A: Use to apply for health coverage, compare plans and enroll online or over the phone.  You can also enroll directly through an insurance company by using an agent. If your income is too high to qualify for lower costs on coverage, you can buy health coverage outside the Marketplace, directly through an insurance company.

Delivering all of your Lake of the Ozarks Health Coverage needs - Insure the Lake!
We can help you with all of your Lake of the Ozarks insurance needs. You can have peace of mind.   Contact us for a FREE quote request.

Steve Naught, CIC

3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral

T: 573-348-2794
F: 573-348-0191


  1. Great Information sharing .. I am very happy to read this article .. thanks for giving us go through info.Fantastic nice. I appreciate this post.

  2. Only a grinning visitant here to share the adoration (:, btw exceptional style. all on six

  3. Very good written article. It will be supportive to anyone who utilizes it, including me. Keep doing what you are doing – can’r wait to read more posts. MTHFR Treatment by

  4. Thanks for posting this info. I just want to let you know that I just check out your site and I find it very interesting and informative. I can't wait to read lots of your posts. hcg diet plan

  5. You have a real ability for writing unique content. I like how you think and the way you represent your views in this article. I agree with your way of thinking. Thank you for sharing. trigeminal neuralgia

  6. Interesting and amazing how your post is! It Is Useful and helpful for me That I like it very much, and I am looking forward to Hearing from your next.. success strategies

  7. Low cost medical insurance should be opted for after going through all the terms and conditions. There are many visitors insurance plans that we offer at competitive rates. Progressive Insurance Brandon FL

  8. Thanks for the nice blog. It was very useful for me. I'm happy I found this blog. Thank you for sharing with us,I too always learn something new from your post. Health news

  9. Wow i can say that this is another great article as expected of this blog.Bookmarked this site.. tmj treatment tampa

  10. There are a significant number of private medicinal insurance agencies to choose from and picking one that suits you may be a hustle. In this manner, we have organizations, for example, medicinal quotes to help us in settling on the choice.

  11. Pleasant Informative Blog having decent sharing.. Doctor in Irving

  12. hi was just seeing if you minded a comment. i like your website and the thme you picked is super. I will be back. weight loss supplements

  13. The post gives the light in which we can observe the reality. This is a very clear presentation. Thanks alot. IVF

  14. This is a good post. This post gives truly quality information. I’m definitely going to look into it. Really very useful tips are provided here. Thank you so much. Keep up the good works. order herbalife products

  15. This article is an appealing wealth of informative data that is interesting and well-written. I commend your hard work on this and thank you for this information. You’ve got what it takes to get attention. MD In Philippines

  16. The post gives the light in which we can observe the reality of health care Insurance enrollment FAQ. This is a very clear writing and gives in-depth information like an Integrative medicine! Thank you very much for your superb presentation.

  17. So they give them health insurance bundles to pick as indicated by that reports like a man having genuine health issues need to purchase complete plans. Flood insurance Jacksonville

  18. Being healthy and fit expects one to watch count calories fitness.Diet fitness is as fundamental as exercise itself. side effects of clenbuteral

  19. This is truly a great read for me. I have bookmarked it and I am looking forward to reading new articles. Keep up the good work!. 3 Rivers Chiropractic

  20. The Luxembourg Declaration of the European Union Network for Workplace Health Promotion characterized WHP as the joined exertion of businesses Methyl-Life

  21. plaque develop (more than 40%) in the biggest supply route in the body, the aorta, than did mice who had no contamination presentation and a decent fat eating routine (13%) or only a high-fat eating routine without anyone else's input (26%). women's wig

  22. I just couldn't leave your website before telling you that I truly enjoyed the top quality info you present to your visitors? Will be back again frequently to check up on new posts. rapid tone canada

  23. There are plans which may not cover on some fundamental medicines, certain restorative administrations, for example, chemotherapy, maternity care or certain remedies.psicologo avezzano

  24. the crumbling of health because of flawed or insufficient nourishment, contamination through nourishment, water or air, skin or because of outside wounds, mischance and so on.

  25. "We were stunned by the propensity of findings all on the negative side - the scope of the disadvantage covers all ages, from babies to seniors, both sexes, all classes of lamp for sad

  26. Many of the dietary supplements are available on net or otherwise under the name of women health supplements, weight loss dietary supplements or alternative health supplements.

  27. In any case, in what capacity would this be able to bode well, remembering the entire of you is altogether associated? chakra site profile

  28. One strategy is to have health registration all the time. Having registration will figure out what the status of our health is.beta alanine dosage bodybuilding

  29. Understanding the mind's job in inspiration and conduct is a standout amongst the most basic components in fitness achievement. On the off chance that you battle with changing propensities and practices or on the off chance that you can't get spurred, at that point even the best preparing and nourishment program isn't much and fitness write for us

  30. To help in building yourself up, stay away from negative mental data sources, similar to the news, show, negative, offending companions. Website

  31. Subsequently, the meaning of "debilitated" is somewhat self-evident, it is the obvious or experienced decrease of typical physical or mental condition or capacity. There are a wide range of methods for articulation, yet the substance is unequivocally the equivalent.Wellphora CBD

  32. and are doing all that they can to make as much benefit as they can. What we truly require is some great antiquated sound judgment.clenbuterol tablets

  33. A patient's care is commonly paid by Medicare, yet Medicaid and network programs are likewise accessible.source

  34. These ought to be combined with appropriate eating routine and exercise so as to get the outcomes you need. buy proviron

  35. On the off chance that you can stay still and quiet for 15 minutes every day and bit by bit increment this interim to a hour daily, it will affect your otherworldly health and on your general health as well.Living Well Counselling Calgary

  36. This is actually the kind of information I have been trying to find. Thank you for writing this information. best mental health blog

  37. We're going to see the pool of specialists to help individuals in Medicare beginning to shrivel also, except if changes are made through the span of the following five years. Keto weight loss