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Get or change coverage outside of Open Enrollment

June 18, 2024 By Insurance Experts

Qualify for a Special Enrollment Period
You may qualify for a Special Enrollment Period due to a life event, like losing other coverage, getting married, having a baby, or based on estimated household income.
To get coverage, you need to apply. Create a Marketplace account (or log into your existing one) to start your application. Before you apply, you can preview plans and prices.
If you already have Marketplace coverage, learn how to report a change. Once you update your application, your Eligibility Results will tell you if you qualify for a Special Enrollment Period to switch plans.

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Filed Under: Health Insurance

How Much Does Cataract Surgery Cost?

June 11, 2024 By Insurance Experts

Cataracts commonly develop as people age, although they can also be caused by injury, diabetes, smoking, or previous eye surgery. If left untreated, cataracts can lead to blindness. Surgery, though, is a common and effective treatment that is usually covered by insurance. Cataract removal is usually an outpatient procedure.

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Filed Under: Health Insurance

9 Things to Use Your Health Insurance For, Now That You’ve Met Your Deductible

May 21, 2024 By Insurance Experts

Most health insurance plans cover preventative care services — such as immunizations, mammograms, and colonoscopies — regardless of whether or not you’ve met your annual deductible. However, once you’ve paid your deductible, which depends on your specific plan, your insurance company will help you pay for additional medical services. You may only have to pay coinsurance or copays depending on your plan.

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Filed Under: Health Insurance

Using the ER for Non-Emergencies Is Expensive — Here Are Other Options

May 14, 2024 By Insurance Experts

The average cost for an emergency room visit is $2,600 without insurance, according to UnitedHealthcare. Health System Tracker, a partnership between Peterson Center on Healthcare and Kaiser Family Foundation, recently came out with a report showing a slightly lower average of $2,453. You have other options!

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Filed Under: Health Insurance, Medical Costs

12 Things That Are Free Under Medicare

May 7, 2024 By Insurance Experts

We worry a lot about what Medicare beneficiaries must for pay out of pocket, such as monthly premiums, annual deductibles, and copays for doctor visits and prescription drugs. But what many enrollees may not realize is that there are services that won’t cost them a cent.

 
You can get vaccines and screenings for a number of illnesses and see your doctor each year for a wellness visit. You can also get counseling to help you kick smoking or manage your diabetes. You won’t be subject to any out-of-pocket charges for these services as long as you use a healthcare provider who participates in Medicare or, if you get your healthcare through a Medicare Advantage plan, an in-network medical professional.
 
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Filed Under: Medicare

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TPMO Disclaimer - "We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."