Federal law generally doesn’t require insurers to sell Medigap policies to people under 65, but New Jersey law does give people with Medicare due to a disability some rights. Here is how the rules work for people under 50 and for ages 50 to 64, why the 12 months after you enroll in Part B matter, what changes at 65, and where to get unbiased help.
New York’s Essential Plan is a low-cost health plan through NY State of Health, and you can enroll any time of year if you qualify. New federal rules changed who is eligible. Here is who qualifies now, what happened to people with incomes between 200% and 250% of the poverty level, and what to do if your Essential Plan ended.
If you freelance, drive, contract, farm, or run a one-person business in Tennessee, you shop for health insurance on HealthCare.gov like any individual. The hard part is the income question. Here is how to estimate net self-employment income, what to do when it swings, how a spouse’s job or a job offer changes things, and the dates to know.
Turning 65 in Michigan? Your Medicare sign-up window is 7 months long, and when you sign up decides when coverage starts. Here is how the Initial Enrollment Period works, what changes if you are still working or on a Marketplace plan, how to avoid late penalties, and where Michiganders get unbiased help.
En Texas hay dos puertas: Medicaid y CHIP se piden con la Comisión de Salud y Servicios Humanos (HHSC) en Your Texas Benefits, y los planes privados del Mercado se piden en CuidadoDeSalud.gov. Le explicamos en español quién suele ir a cada lado, qué pasa con los niños y el embarazo, cómo una misma familia puede usar las dos, y qué cambia para algunos inmigrantes.
The federal Marketplace cancelled more than 760,000 people’s plans in HealthCare.gov states, including Florida, and a second review is underway. Here is how to log in, find your letters, read what your account says, and what to do next, step by step, before Open Enrollment opens November 1.
Medicare annual enrollment runs October 15 to December 7. From Bergen County to Cape May, this New Jersey checklist shows how to confirm your doctors are in a plan’s network, what to ask if you see specialists in New York City or Philadelphia, how Medigap and Medicare Advantage differ, and where to get unbiased help from NJ SHIP.
New York gives people with Medicare rights most states don’t: Medigap insurers must accept your application any time of year, and policies are community rated. Here is what that means, what it doesn’t cover, how a pre-existing condition waiting period can apply, and what to know before you switch from a Medicare Advantage plan.
Not sure whether your family should apply for TennCare or a Marketplace plan on HealthCare.gov? Here is how the two fit together in Tennessee, who TennCare is designed for, where CoverKids comes in, how to apply, what happens if TennCare ends, and why one household can end up with both.
Medicare annual enrollment runs October 15 to December 7. Whether you live in Detroit, Grand Rapids, Lansing, Traverse City, Saginaw, or the Upper Peninsula, this checklist covers what Michiganders should review: your plan’s changes, winters spent in another state, care across the Ohio, Indiana, Wisconsin, or Canadian border, retiree coverage, help with costs, and phone scams.
