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A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Vision Care Coverage

In order to get insurance coverage for vision care a person typically must enroll in a separate health insurance policy. This insurance policy will help pay for the costs associated with eye exams, glasses and contact lenses. Vision care is not usually covered by regular health insurance policies unless related to a medical emergency.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Urgent Care

A medical facility where a person can receive urgent medical attention that is not so severe as to require emergency care from a hospital.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Underwriting

The insurance company’s review process of a person’s application to obtain a health insurance policy.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

TRICARE

The name for the healthcare program provided to active and retired military people and their families.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Tax-Filing Threshold

Individuals or families who make less than a certain amount of money are not required to file federal income tax returns. For 2014, that amount of money was $10,150.00 for an individual. This amount changes every year and is also used to calculate the tax penalty imposed by the Internal Revenue Service for people who did not get health insurance... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Tax Credit

If an individual or family makes a certain amount of money, they will be eligible for financial help from the federal government to pay their monthly premium bills. This financial help can either come in the form of an immediately discounted monthly premium bill, or the person can opt to receive a tax credit for the amount of the financial... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Supplemental Insurance Policy

There are a lot of costs associated with Medicare that are passed to the insured person. People who have Medicare benefits may also be on fixed incomes and have trouble paying for the extra costs of deductibles, coinsure and copays. People who have Original Medicare can take on a Supplemental Insurance Policy like Medigap to help pay for those extra... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Subsidy

This is the financial assistance provided by the federal government to Americans who obtain health insurance through the federal marketplace on Healthcare.gov. Some states who have their own state exchange also offer their citizens subsidies to help pay for their monthly premiums. In order to be eligible for a subsidy from the federal government, a person or family must earn... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

State Exchange

This is the term used to refer to the state’s marketplace, which is the place where individuals and families can go to obtain information about the Affordable Care Act and its requirements and to shop for healthcare plans. Many states rely on the federal marketplace to provide these services but there are a handful of states that have decided to... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Special Enrollment Period

If a person loses their health insurance due to a Qualifying Life Event after the open enrollment period closes, that person can sign up for health insurance on the federal marketplace, so long as it is done within sixty-days (60) of the Qualifying Life Event first occurring.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

SSA

(Social Security Administration) An independent agency that administers a social insurance program to retired people and people with disabilities. The Social Security Administration is also tasked with managing the enrollment of people into the Medicare program.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Social Security Administration

An independent agency that administers a social insurance program to retired people and people with disabilities. The Social Security Administration is also tasked with managing the enrollment of people into the Medicare program.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Silver Plan

This is the medium level insurance plan offered under the Affordable Care Act. Under the law, Americans are supposed to be given options of insurance policies that meet different levels and therefore different amounts of coverage for different prices. The Silver Plan will cover approximately 70% of the costs associated with healthcare claims and the insured person will cover the... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Short-Term Health Plans

A type of health insurance policy that typically only lasts for a short period of time (a year or less) and is intended to provide individuals or family with some sort of coverage while they are in between regular insurance policies. Short-Term Health Plans do not offer the amount of coverage that is required under the Affordable Care Act. Therefore,... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Small Business Health Options Program

This is the marketplace created by the Affordable Care Act to provide a central location for small business employers with less than 50 full-time employees to shop for a group healthcare plan for their employees. Employers were allowed to start using the SHOP marketplace in 2014.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

SHOP

Small Business Health Options Program is the marketplace created by the Affordable Care Act to provide a central location for small business employers with less than 50 full-time employees to shop for a group healthcare plan for their employees. Employers were allowed to start using the SHOP marketplace in 2014.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Shared Responsibility Payment

The formal name for the tax payment penalty assessed by the Internal Revenue Service to any person who was supposed to obtain health insurance under the Affordable Care Act, but failed to do so by the end of the open enrollment.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Rehabilitative Services

Rehabilitative Services are one of the ten essential health benefits now required to be included by every health insurance policy by the Affordable Care Act. A Rehabilitative Service is a service offered to a person who wants to reacquire a skill or activity that they should have, but lost due to an illness or disease. An example of this would... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Referral

Some types of insurance companies require that your primary care doctor see a person for a medical issue first and then issue an order asking a specialist to see the person for that medical issue. If the primary care physician does not issue a referral for a specialist before the person sees the specialist, the insurance policy may deny coverage... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Railroad Retirement Board

This is the agency that carries out a social insurance program for retired railroad workers. People who receive benefits through the Railroad Retirement Board are eligible for healthcare through Medicare.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Qualifying Life Event

Under the Affordable Care Act, every person must be enrolled in health insurance either through an employer or through a private insurance company by the end of the open enrollment period every year or else they will receive a tax penalty for violating the law. The exception to this rule is if the person lost their health insurance policy due... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

PFFS

Private Fee for Service Plans are a type of insurance policy whereby healthcare providers are reimbursed a certain amount per medical service rendered. These types of plans are not offered by every insurance company and are not offered in every state and the insured person can only visit medical providers that accept this particular type of insurance.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Primary Care Physician

Some health insurance policies require the insured person to designate a primary care physician, which is the medical doctor that the insured person will visit for all of their general medical issues. The primary care physician will also issue referrals to the insured person to go see a specialist. If the insured person visits someone other than their primary care... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Preventive Services

Any service provided by a medical provider that helps to screen, diagnose or prevent some health condition, disease or illness. Under the Affordable Care Act, preventative services are now included in Original Medicare coverage and is also one of the ten essential health benefits now required under the law.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Premium

A premium is the monthly cost or bill that an insured person has to pay in order to have health insurance coverage. If you have health insurance coverage through your employer, your employer may pay your monthly premium and then deduct your portion from your paycheck.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Pre-existing Condition

A person who has a health condition that existed before the start date of that person’s health insurance. Under the Affordable Care Act, an insurance company can no longer deny a person health insurance coverage or deny covering claim because of a pre-existing condition.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Preferred Provider Organization

This is a type of insurance plan that is offered by many insurance companies and has the most flexibility with regards to which medical facility and medical provider a patient can see under their policy. PPO plans are typically the most expensive types of plans, but allow the insured person to visit any doctor or facility that they want without... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

PPO

Preferred Provider Organization is a type of insurance plan that is offered by many insurance companies and has the most flexibility with regards to which medical facility and medical provider a patient can see under their policy. PPO plans are typically the most expensive types of plans, but allow the insured person to visit any doctor or facility that they... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

POS

Point of Service Plans is a type of insurance plan whereby people are restricted to only visiting doctors and facilities that accept this type of insurance and typically must designate a primary care physician and get referrals to see specialists. Not every insurance company offers this type of insurance plan.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Point Of Service Plans

This is a type of insurance plan whereby people are restricted to only visiting doctors and facilities that accept this type of insurance and typically must designate a primary care physician and get referrals to see specialists. Not every insurance company offers this type of insurance plan.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Platinum Plan

Under the Affordable Care Act, Americans in every state must be offered multiple levels of coverage that increases in coverage and costs as the levels increase. The Platinum Plan is the highest level of coverage offered. Platinum Plans will cover 90% of healthcare costs, which means lower annual deductibles, copays and coinsurance; however the premiums are typically higher per month.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Patient Protection And Affordable Care Act

The formal and full name of HR 3590 is the Patient Protection and Affordable Care Act. The shortened name for this law is the Affordable Care Act, ACA, or Obamacare. The Patient Protection and Affordable Care Act is not a health insurance policy or company, but is rather the law that requires reform measures on the healthcare industry and requires... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Part-time Employee

Generally, a person who works 29 or less hours per week for an employer is considered a part-time employee. Under the Affordable Care Act, employers do not have to provide health insurance to part-time employees.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Outpatient

This describes a medical care provided to a person that does not require that person to stay overnight or for longer than 24 hours at the medical facility.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Out-of-Pocket Costs

This describes the costs that an insured person pays on their own to cover claims for medical services received that their policy will not cover. Examples of out-of-pocket costs include the annual deductible, copays, coinsurance or paying for a medical bill that the insurance policy refuses to cover.... Read Full Article

A Picture of Alex Hitcherson Alex Hitcherson
11/11/2014

Out-of-Network

Certain types of health insurance plans require their participants to visit healthcare facilities and physicians that are on an approved list and are considered in-network. If a person visits a facility or medical provider that is not on that list, they are considered out-of-network and it is likely that the health insurance policy will not cover the claim, which means... Read Full Article

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