Topics Covered and Questions Answered: Explanation of the ACA (Affordable Care Act) provisions ACA Terminology How to choose a plan? Who is eligible for a government subsidy? How to apply for a government subsidy and what questions to expect? Before you enroll in a Medicare Supplement or Advantage plan you must be enrolled in Medicare A and B. Medicare A covers inpatient care in a hospital or nursing facility as well as hospice.
If you're turning 65 or becoming Medicare eligible, one of your challenges is choosing a drug plan. Many are confused by the term "Donut Hole" (also called the Coverage Gap). Medicare Prescription Drug Plans have four parts or phases, Initial Deductible, Initial Coverage, Donut Hole and Catastrophic.
If you're turning 65 or becoming Medicare eligible, one of your challenges is choosing a drug plan. Many are confused by the term "Donut Hole" (also called the Coverage Gap). Medicare Prescription Drug Plans have four parts or phases, Initial Deductible, Initial Coverage, Donut Hole and Catastrophic.
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I am a Raleigh native who has lived in North Carolina my entire life. After completing my degree in Education at North Carolina State University, I taught high school for several years before returning to school to attain my MBA at East Carolina University. For over 20 years I was employed by large corporations in sales, business development and account management before starting my own company.
BCBSNC is the only insurance company that offers plans that are compliant with the Affordable Care Act a.k.a. ACA in all NC counties. They have 5 medical provider networks which are Blue Advantage, Blue Value, Blue Local and Blue Home. The Blue Advantage network has the largest medical network in North Carolina.
Thanks to the passage of the Affordable Care Act applying for health insurance no longer involves medical underwriting (an evaluation of your medical records). The premiums you are shown are exactly what you will pay with one exception. Tobacco users pay more for their policies. Since not all doctors and hospitals are in-network with all plans, it is important to give your insurance agent the names of your doctors and preferred hospitals.
Health Savings Accounts (HSA's) provide a tax-free way to help pay for current or future out-of-pocket health care expenses. They have similar characteristics to a 401 (k) or an IRA but are specifically for qualified medical expenses. To be eligible to set up an HSA you must enroll in an IRS-qualified high-deductible health plan (HDHP).
Dental insurance is intended to help offset the costs associated with dental care. The mere thought of out-of-pocket expenses prevents many Americans from receiving routine and necessary dental treatment. Most dental care coverage places an emphasis on regular preventive care by covering small routine costs.
Reviews (2)
Linda Sellers
Aug 10, 2020
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Wanda, my Agent, makes my 5 star experience. She is always available to answer questions thoroughly in terms the “average non-Insurance” person understands. I am happy with my plan which she and I together determined was best for me.
Grateful for her service to the public. I also like to call her friend.
Linda Sellers
Grateful for her service to the public. I also like to call her friend.
Linda Sellers
Jeff SanGeorge
May 09, 2020
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