Posted on Thursday, September 17, 2015

Obamacare Insurance: Are you sure you’re covered?

With Obamacare, there are still a lot of unknowns. One of our readers, John, recently contacted us with a serious question involving his health coverage…

John has had coverage through healthcare.gov for over a year, yet recently, he went to a doctor’s appointment and discovered that he was no longer covered.

So what happened?

John’s health insurance company is Blue Cross Blue Shield. Blue Cross sent him a new insurance card in December for 2015 and told him that his coverage was extended for the next year.

But then he received an email notice requesting action by healthcare.gov. Thinking he was covered, he failed to respond to the email.

John didn’t think anything of the email, because he received no further requests or notices from healthcare.gov. But in June when he went to see the doctor, his coverage was denied.

What did he do, and what should you do if you have problems with your healthcare.gov coverage?

First, make a call. It’s much easier to talk to a live person who can talk you through what you need to do to fix your problem.

John called the number on the healthcare.gov website (1-800-318-2596). After a few machine prompts he was connected with a marketplace representative.

She was able to help John remedy the problem and get retroactive coverage.

Had John been involved in an accident involving his healthcare, this could have been a lot bigger of a problem. Luckily, he discovered his lapse in coverage at a routine doctor’s appointment.

If you get your healthcare insurance through Obamacare, it is essential that you follow up with the providing company and healthcare.gov. Make sure to watch your email and mailbox for any notifications.

It’s always a good idea to double check your coverage. A quick call to a marketplace representative can confirm your coverage and help you to avoid potential insurance problems.

To learn more about Obamacare, get my ebook Easy Healthcare: Obamacare, available through all major ebook retailers.

Also, right now you can receive a FREE copy of my ebook Easy Healthcare: Your Hospital Stay. CLICK HERE FOR FREE DOWNLOAD

With MyHealthspin, You Spin Your Healthcare Your Way!

Posted on Thursday, June 4, 2015

Going Off to College: Parents’ Insurance or ObamaCare?

Usually, the best choice is your parent’s health insurance plan.

First, you are only eligible for ObamaCare Health Exchange insurance if you have no other health insurance options.

Additionally, it is often better to stay on your parent’s insurance because if they have a big group plan at work the cost of maintaining coverage for you is not very expensive. This is especially true if your parents are already covering other members of the family. You should ask your insurance company how much it will cost to maintain coverage for you while you are in college. Your parents’ plan will also often cover more healthcare items and have a lower deductible than many ObamaCare plans.

If your parents do not have a health plan through work, ObamaCare may be a good option. To find out whether you are eligible, log into the ObamaCare website www.healthcare.gov. After answering several questions, you will be able to see your options. Each state has different insurance companies offering plans in that state.

Are you planning on staying on your parents health insurance plan while in college? I’d love to hear from you!

MyHealthSpin helps you Spin Your Healthcare Your Way!

Check out how more information on insurance in our new book, Easy Healthcare: Choose Your Health Insurance.

Posted on Thursday, April 30, 2015

Helpful Healthcare Links: April 30, 2015

Our helpful health care links focus on two hot topics in healthcare this week– An update on the devastating earthquake in Nepal and an what it looks like when a healthcare record is hijacked. Both are worth your time. And, as always, if you ever come across a healthcare story that you think merits more attention, please send it our way!

Inside Nepal’s Next Challenge: Overflowing Hospitals

Hospitals throughout Nepal are flooded with patients, with thousands in need of care for acute injuries after a massive earthquake that the country’s leader said may have killed up to 10,000.

A Day in the Life of a Stolen Healthcare Record

The process of divining the provenance of stolen healthcare records. These records typically are processed or handled by a gauntlet of third party firms, most of which have no direct relationship with the patient or customer ultimately harmed by the breach.

P.S.–TODAY is your last day to sign up for the ObamaCare Enrollment Extension!

Spin your healthcare your way and check out our Easy Healthcare eBook Guides.

♦◊♦

HealthSpin’s Easy Healthcare: Choose Your Health Insurance gives you the practical steps you can take to choose the right insurance plan for you and your family.