September 17th, 2014 by Marie DeWolf
Did you know that “Open Enrollment” is just around the corner?
This is the time you can enroll in a Health Insurance Plan. Remember it is limited to November 15, 2014 – February 15, 2015. During this time you can purchase an insurance plan or you can make a change to another Carrier.
There are no “pre-existing” condition exclusions, so find a plan and enroll for 2015.
You may qualify for a subsidy. A subsidy is help to pay your premium. What? Yes, if you qualify you will receive money to help pay for insurance.
See if you and your family qualify.
Call us at 970-622-9982
Posted in Health Insurance Plan, Health Insurance Subsidy, Healthcare Subsidy, Marie DeWolf, Marie DeWolf Insurance, Open Enrollment | No Comments »
July 10th, 2014 by Marie DeWolf
A recent DORA- Department of Regulatory Agencies Bulletin No B-4.76 states the following in regard to: SHORT TERM, LIMITED DURATION HEALTH BENEFIT PLANS AND SPECIAL EN ROLLMENT PERIODS
- These listed policies do not qualify as the minimum essential coverage required under the Affordable Care Act (ACA).
- Consumers must have a health benefit plan that qualifies as minimum essential coverage in order to avoid the federal tax penalty for not possessing such coverage.
- Please be informed that the loss or termination of a short-term health plan (STM) does not trigger a special enrollment period that would allow a consumer to purchase an ACA-compliant health benefit plan outside of an open enrollment period.
- Prior to issuance, carriers should inform consumers that the purchase of a short-term health plan may not provide protection from the federal tax penalty. There should be a paragraph in BOLD TYPE referencing this coverage.
Please contact DeWolf-Tarin & Associates and let us help you navigate the do's and don't's of the Affordable Care Act (ACA).
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April 12th, 2014 by Marie DeWolf
You have Qualifying Events and/or Special Enrollment if:
- The birth or adoption of a baby/child
- Marriage
- Involuntary loss of minimum essential health coverage
- Made a permanent move and new coverage is available
- If you choose COBRA and exhaust the time frame
- If you lose your job and do not elect COBRA
- Loss of Medicaid or CHIP
- Loss of coverage for a dependent child has reached the dependent age
- Divorce/Legal spearation
- Death of a policy holder
- Gaining status as a citizen
- Plan is due for renewal outside of Open Enrollment
- Change of income that determines newly eligible or newly ineligible for tax credit (ATP) or has a change in eligibility for cost0sharing reductions (CSR)
In compliance with the Affordable Care Act these are the most common qualifying events.
CALL US to see if you qualify and what time frames are required to make it happen!
Dial 970-622-9982
Tags: Affordable Care Act, Missed Healthcare Sign up Deadline, Open Enrollment, Qualifying Events
Posted in 2014 Healthcare Insurance Deadlines, Health Care Reform, Health Insurance deadline, Insurance Agent, Loveland Colorado, Marie DeWolf, OBAMA Care | No Comments »
March 21st, 2014 by Marie DeWolf
Here we are, close to the closing of the "Open Enrollment" period for the ACA (Affordable Care Act) and we receive more information from the Administration ...
I will preface this information with:
This too can change at any time
As you may know, the Open Enrollment period is ending on March 31 deadline for change for a May 1, 2014 effective date. You realize that after this date, you
must have a qualifying event to enroll in an insurance plan
So what is a qualifying event?
A significant life chance, such as:
- Lose your job
- Change job and lose your insurance
- You get married
- You have a baby
So NOW is a really good time to make the jump or dive in and buy health insurance. If you do that, you will be in line with the law and the mandate, which states,
"Everyone must have insurance or pay a penalty."
Call us or your broker and get insured!
970-227-7926
DeWolf-Tarin.com
Tags: Health Insurance Deadline, OBAMA Care
Posted in 2014 Healthcare Insurance Deadlines, DeWolf-Tarin & Associates Insurance Agency, Health Care Reform, Health Insurance, Health Insurance deadline, Insurance Agent, Loveland Colorado, Marie DeWolf, OBAMA Care | No Comments »
March 14th, 2014 by Marie DeWolf
NEWSFLASH
March 6, 2014
After days of speculation, the Obama Administration on Wednesday announced a two-year extension for individual health insurance policies that do not meet the standards of the Affordable Care Act.
SO ...
What that means to all of you who did "early renew" your plans with Anthem - is that we will NOT have to make a change in 2014 to be compliant with the 10 Essential Benefits.
IF ...
you want to see what an ACA compliant plan looks like and know the cost, please let me know and we will provide you with that information.
Stand by ...
to see if Insurance Carriers agree to this new twist.
Call 970-622-9982
Visit DeWolfTarin.com.
Posted in 2014 Healthcare Insurance Deadlines, DeWolf-Tarin & Associates Insurance Agency, Health Care Reform, Health Insurance, Health Insurance deadline | No Comments »
January 9th, 2014 by Marie DeWolf
January 1, 2014 is already past!
Here it is, January 8, 2014 ... already.
Are you wondering, "Can I still apply for Health Insurance, get subsidies and avoid the Penalty for not having coverage?"
The answer is "YES!"
Yes, you can – you can still go on Connect for Health Colorado website and do the following:
- Create your account
- Go to "Get assistance" tab
- Search "80538 – Marie DeWolf"
- Attach me to your account
- Begin the PEAK application
- Finish the PEAK application and press "SUBMIT"
- Now you are in the WAITING MODE – waiting for your denial into the Medicaid program
- You will receive your denial number 1B ... or a 5B ...
- Once you receive that number, you can:
- CALL ME with your username and password (do not send via email for your own security)
OR
- EDIT your Eligibility with this number.
- You can NOW shop for plans and know exactly what it will cost you.
This needs to be done and finished by January 15, 2014 to insure that you are covered by February 1, 2014.
If this is NOT done then – keep the faith! You can submit by February 15, 2014 to be covered with insurance by March 1, 2014.
Good Luck!
Call me if you have any questions.
Happy New Year !!!
Marie DeWolf
970-622-9982
Tags: Healthcare Deadlines, Healthcare Insurance Exchange, OBAMA Care
Posted in 2014 Healthcare Insurance Deadlines, DeWolf-Tarin & Associates Insurance Agency, Health Care Reform, Health Insurance, Health Insurance deadline, Insurance Agent, Loveland Colorado, Marie DeWolf | No Comments »
October 15th, 2013 by Marie DeWolf
$ $ $
Are you asking yourself, "So how do I buy my insurance?"
Well, you will only be able to buy your health insurance during the open enrollment period. For this year it is from 10/1/2012 to 3/31/13.
Next year, open enrollment will be limited to October thru December, 2014 only.
Now – go on your computer to www.ConnectForHealthCO.com and create your account. Once you Create your account you will need the following:
- Name
- Date of Birth
- Zip Code
- Anticipated income
What – no medical questions? That’s right no medical questions – you are covered!
And ...
- If you make below - $46,000 as an individual
- If you make below - $62,000 as a couple
- If you make below - $94,000 as a family of four
You can qualify for an Advanced Tax Credit or subsidy to help your premium or you can get cost sharing help to reduce your deductible or copays.
Call us – it costs you NOTHING! We can help answer your questions and help you navigate this new process successfully: 970-622-9982
Tags: 10/1/13 Health Care Changes, DeWolf-Tarin, Healthcare Reform, OBAMA Care
Posted in Advanced Tax Credit, DeWolf-Tarin & Associates Insurance Agency, Health Care Reform, Healthcare Insurance changes 10/1/13, Loveland Colorado, Marie DeWolf, Northern Colorado, OBAMA Care | No Comments »
October 8th, 2013 by Marie DeWolf
Do you understand that Health Care Reform affects each one of us?
Yes ... the law was passed in 2010, and
Yes….the law takes place January 1, 2014.
The Individual Mandate:
- No more pre-existing conditions exclusions – Everyone gets insurance
- Everyone is required to buy health insurance. That’s right just like car insurance
Wow! So now you have three choices:
- Buy health insurance on your own
- Enroll thru your employer if you are eligible
- Pay your penalty at the end of the year when you submit your taxes
Stay posted for more information or call us at 970-622-9982
Tags: 10/1/13 Health Care Changes, DeWolf-Tarin, Health Insurance, Healthcare Reform, OBAMA Care
Posted in DeWolf-Tarin & Associates Insurance Agency, Health Care Reform, Healthcare Insurance changes 10/1/13, Loveland Colorado, Marie DeWolf, Northern Colorado | No Comments »
October 5th, 2013 by Marie DeWolf
After much waiting and speculating, the Exchange or the Marketplace is up and running since 10/1/14.
There are many, many plans available and you can do an estimator for your proposed subsidy.
While searching for your plan, please remember the following:
- You will create an account
- To create an account you will need:
- * Family members
- * Date of Births
- * Zip code
- * County
- * Tobacco user – rated 15% for tobacco
- * Doctor of choice
- * Hospital of choice
- * Family income
Please keep in mind that the Network of providers have changed and that your Doctor or Hospital may not be in the network you choose. This can be very confusing! Our Agency is here to help you navigate all of these criteria abd help you find the best plan for 1/1/14.
You can give us a call or complete this questionnaire for us to provide plans for you.
Our services are at no cost to you – Call us we can help !!! 970-622-9982.
Tags: 10/1/13 Health Care Changes, Colorado, DeWolf-Tarin, Health Insurance, Healthcare Reform, OBAMA Care
Posted in Advanced Tax Credit, DeWolf-Tarin & Associates Insurance Agency, Health Care Reform, Healthcare Insurance changes 10/1/13, Insurance Agent, Marie DeWolf, Northern Colorado, OBAMA Care | No Comments »
October 4th, 2013 by Marie DeWolf
Health Care Reform is on its way for 2014.
We are here to help you navigate through the new laws and exchanges.
If you would like to receive ongoing information as it happens, please let us know.
Contact us via email (click here) or phone (970-622-9982).
We at DeWolf-Tarin & Associates Insurance Agency are here to help you.
Tags: 10/1/13 Health Care Changes, DeWolf-Tarin, Healthcare Reform, OBAMA Care
Posted in DeWolf-Tarin & Associates Insurance Agency, Health Care Reform, Health Insurance, Healthcare Insurance changes 10/1/13, Insurance Agent, Loveland Colorado, Marie DeWolf, Northern Colorado | No Comments »
