Tag Archives: health insurance shopping

Shopping Bags

Don’t Forget Your Insurance!

We know you’re all busy with the holidays and getting ready to shop, but don’t forget to splurge a little on yourself! As you gear up for Black Friday shopping, remember to shop for your Medicare plan before time runs out on December 7.

Health Alliance Medicare Advantage plans can give you a lot of options and great benefits like the SilverSneakers® fitness program, help with health services while traveling through Assist America, $0 Tier 1 drugs at Walmart and Sam’s, and our Anytime Nurse Line.

And join us at Marketplace Mall on Black Friday to get a free shopping bag and learn more about plans.

Don’t miss out on a great deal this shopping season with Health Alliance Medicare!

Call 1-888-382-9771 (TTY 711) from 8 a.m. to 8 p.m. weekdays. Or visit HealthAllianceMedicare.org for more info.

Health Alliance Medicare is an HMO, PPO, and PDP plan with a Medicare contract. Enrollment depends on contract renewal. You must continue to pay your Part B premium. Low-cost prescriptions are available at other in-network pharmacies. The benefit information here is just a brief summary, not a complete description of benefits. Limitations, copayments, and restrictions may apply. Benefits, formulary, pharmacy network, premium, and/or copayments/coinsurance may change on January 1 of each year.

Shopping in the Marketplaces

A Different Kind of Mall

Shopping season is here! And not just for the holidays. The Open Enrollment Period (OEP) is now in full swing for you to buy health insurance too. It’s time to start comparing plans, and you should start with the marketplaces.

State Public Marketplaces

The Affordable Care Act requires each state have a Public Exchange, or Marketplace. These are like an online mall where you can compare the price and benefits of each product, much like you would with a big purchase like a television, a phone or a mattress. Only, in the exchanges, you’re comparing individuals’ health insurance plans.

Individual plans are what you shop for if you don’t have insurance through your employer and you don’t qualify for Medicare or Medicaid.

Our Private Marketplace

Health Alliance has its own Public Marketplace too. This shows you only our plans available in the Public Marketplace. You can find our plans in the state Public Marketplace too, but if you already know you would like the customer service and personal attention of Health Alliance, you can compare plans in our Public Marketplace with less clutter and confusion.

To put this in easier terms, if you know you want Levi jeans, finding what you want in a Levi jeans store will be easier than shopping in a department store. Shopping in Health Alliance’s private marketplace is no different.

Our Direct Marketplace

You can also shop for individual plans in our Direct Marketplace. It has all of our private plans, which offer more plan, doctor, and drug choices.

It is more like a specialty store that has many options, like going to Best Buy to shop for televisions. Here, you can pay more for premium features if want them, or you can find something that balances both price and benefits.

Learn more about the exchanges, or start shopping for plans at HealthAlliance.org or by calling us at 1-877-686-1168.

Don't Miss Your Deadline!

The End is Near: March 31, 2014

NPHIt’s crunch time, and tomorrow may be too late. We know you understand the definition of a deadline, but what happens if you miss March 31? In short, nothing good!

Let’s run through a few questions you might have about what this deadline really means and why waiting might mean less money in your bank account.

What happens if I don’t enroll in a plan by March 31?

After the deadline, an individual can no longer enroll in a plan. You’d have to:

  • Wait until the next Open Enrollment Period (in Fall 2015)
  • Qualify for a Special Enrollment Period (for example, marriage or the birth of a child).

On top of that, you have to pay a tax penalty. And that doesn’t mean you’re covered, you’ll still have to pay 100% of your medical costs!

If I wait until the end of March to enroll, will I have to pay the tax penalty? I’ve heard if my gap in coverage is more than 3 months, I still have to pay.

As long as you’ve completed the application process by March 31, an exemption will keep you from having to pay a penalty on your 2015 tax returns.If you want to learn more about this exemption, visit the CMS’s Enrollment Period FAQ.

Does enrolling in a Short-Term plan save me from the tax penalty?

No. Individuals on short-term plans will pay the penalty on their 2015 tax return (unless they meet an exemption).

Can I change my plan after March 31?

No. You’ll have to wait until the 2015 Open Enrollment Period to make changes to your plan.

The only exception to this rule is adding a newborn. You have about a month to add your new little bundle of joy to your plan.

You can cancel your plan at any time, but depending how long you go without coverage, you may have to pay a penalty.

How will the government really know whether I have insurance?

Great question. When you submit your federal taxes in 2015, the forms will have a new question about health insurance coverage. Health insurance companies, like Health Alliance, will also have to send the IRS info about who has a coverage with us.

You still have time to enroll in a plan.  And we’re here to help you find one that fits your needs (yes, even if it’s in the last 10 minutes!)

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