Contact for content you want removed. A consumer does not have to be a U.S. citizen or U.S. national to qualify for Medicaid or CHIP, or to enroll in a qualified health plan (QHP) through the Marketplace. Assistance is available in many languages. You can select the training option that works best for you through our online classroom. C12 hours D Be licensed as a life insurance producer. Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. #DYK Cavities are one of the most common chronic diseases among children? Turning 26 and Special Enrollment When a young adult turns 26 and is dropped from their parent's plan, it triggers a special enrollment period. When she leaves her job, what will happen to her HSA? BIt cannot exclude coverage for VA hospital treatment. (Only age, geographic location, and tobacco use can be factored into premiums. In disability income insurance, the own occupation definition of disability applies. In which of the following scenarios will the rider waive the payment of premium? The coverage can be retroactive to the first of the month that the pregnancy is confirmed. b. which item carries a larger balancethe Common stock account or Paid-in capital in excess of par (also labeled Additional paid-in capital). Depending on where and when you applied, you may qualify for: nn Marketplace health plans nn Help with the costs of monthly premiums nn A Special Enrollment Period that lets . If the insured pays 25% of the monthly premium, how much of the monthly benefit would be taxable? What is a health insurance premium? How must a replacing producer respond to an applicant wishing to replace existing life insurance? There are exceptions. TTY users can call 1-855-889-4325. . CWithin 31 days of birth In the majoritys opinion on the Burwell v. Hobby Lobby case, Justice Alito frequently mentioned the Obama Administrations accommodation that already allowed churches and religious employers to opt out of directly paying for contraceptive coverage, while still providing female employees with access to contraceptives. But long-term, they are more cost-effective than most other contraceptive methods. C 12 e. Earnings per share data. D To allow the consumer to compare the costs of different policies, To which of the following would the rule prohibiting a viatical settlement contract within 5 years of a policy issue date apply? The text describes a premium in the context of a life insurance policy as a periodic fee that a person pays for an insurance policy. In order for an insured under Medicare Part A to receive benefits for care in a skilled nursing facility, which of the following conditions must be met? For an agent to sell continuous care coverage, the agent must meet all of the following requirements EXCEPT Create an account now to apply for Marketplace coverage through the Open Enrollment Period or a Special Enrollment Period. B50% APregnancy may be covered with the insurer's special approval. Learn about eligible immigration statuses. \end{array} The practice of charging women more than men for the exact same coverage was costing women roughly $1 billion per year by 2012. Or you can visit the Web and search the SEC EDGAR database, which includes the financial reports of most well-known companies. If you currently have Marketplace coverage, If you may qualify for Medicaid or the Childrens Health Insurance Program (CHIP), Check if you qualify for a Special Enrollment Period. c. the percentage of each companys total stockholders equity made up of retained earnings. If found eligible during your pregnancy, youll be covered for. When a viator sells a life insurance policy, Who is a person, other than a viator, that enters into a viatical settlement contract? a. what classes of stock each company has issued. What type of annuity guarantees to pay an income to the annuitant each year as long as he lives, and upon death, the annuity will refund the remaining payments to a beneficiary? Discontinued operations An employee quits his job on May 15 and doesn't convert his Group Life policy to an individual policy for 2 weeks. DNone of the above, Who can provide skilled nursing care? Consumers applying . If she terminates her group coverage, which of the following statements is INCORRECT? A To provide the name and address of the agent/producer issuing the policy Even if a company promises not to sell your email address, it is possible for spammers to access the company's computers if they are not secure. Affordable Care Act. AThe producer must request the permission of the existing insurer. C30 days Biden administration proposed a new rule change, Biden administration has proposed a rule change, increase in the number of women relying on these methods of birth control, Guide to womens health insurance in 2023. B Lender. A26 In life insurance policies, cash value increases, One of the advantages of a family life insurance policy that provides coverage for children is that it, may be converted to permanent insurance for the children without requiring evidence of insurability. B20 days Colorados teen birth rate and abortion rate both dropped significantly from 2009 through 2017, mainly because of a grant that provided free or low-cost IUDs to young women who would otherwise not be able to afford them. BTerminally ill insured. sharing reductions available through the health insurance marketplace. Can't be incarcerated. C Be licensed as an accident and health insurance producer. With respect to Medicare: We do not offer every plan available in your area. Specific rules and benefits vary by state. An insurer invests the money it receives from premiums paid by its insureds. So, for example, if the benchmark plan costs $6,000 annually, the required contribution for someone with an income of 150% FPL is zero, resulting in a premium tax credit of $6,000. Despite the higher premiums paid by women, 90% of individual health plans didnt provide any routine maternity benefits prior to the ACA. C Illustrations DWorkers compensation coverage, For what time period can coverage be excluded on permissible pre-existing conditions applicable to a Medicare supplement insurance policy? Disability buy-sell B. [2] There's a lot to consider when going through a divorce or legal separation. BDoctor coverage through the Marketplace begins in October 2013 for coverage starting as early as January 1, 2014. Recall that subjects taste-tested five food/beverage items: black coffee (BC), cheesecake (CC), grapefruit juice (GF), orange juice (OJ), and pepperoni (PP). The Marketplace helps you find health coverage that fits your budget and meets your needs. https://quizlet.com/198464023/other-health-insurance-concepts-flash-cards/. https://www.investopedia.com/is-health-insurance-mandatory-4773106, Have questions about the Affordable Care Act (ACA)? Form 1095-A is used to report certain information to the IRS about individuals who enroll in a qualified health plan through the Marketplace. A medical expense policy that establishes the amount of benefit paid based upon the prevailing charges which fall within the standard range of fees normally charged for a specific procedure by a doctor of similar training and experience in that geographic area is known as, In major medical insurance policies, when the insured's share of coinsurance reaches a certain amount, the insured is no longer obligated to pay it. But the stringent guidelines for Medicaid eligibility in 11 of those 12 states (all but Wisconsin) mean that many women with incomes below the exchange subsidy threshold are not eligible for Medicaid either they earn too much for Medicaid but too little for exchange subsidies. BWithin 15 working days CMutual company. Jeff is 45 years old and currently owns life insurance, but is considering purchasing a new Universal Life policy. Contact the Arkansas Insurance Department's Consumer Services Division's at 501-371-2640, 800-852-5494 or at insurance.consumers@arkansas.gov. Maternity coverage is now included on all new plans, and premiums can no longer be based on gender. Note: In response to the coronavirus pandemic, you may be eligible to apply for coverage through the Health Insurance Marketplace during the special enrollment period, February 15 - May 15, 2021. Which of the following is true about coverage for pregnancy? The Patient Protection and Affordable Care Act mandates that insurers provide coverage for adult children of the insured up to the age of B24 An organization that operates on a lodge system and provides a formal life insurance plan to its members is classified as a health coverage through a job, even if that person isn't enrolled in the job-based plan or isn't applying for Marketplace coverage. If you've been denied Medicaid or Children's Health Insurance Program (CHIP) coverage, you may be able to buy a health plan through the Health Insurance Marketplace. Requirements. But although things are far better than they were just a few years ago, there have been some legal challenges that eroded some of the newfound access to contraceptive coverage. Key Points. A trusted independent health insurance guide since 1994. A woman obtains health coverage through Marketplace on October 1. A10% By 2012, 14 states had banned or restricted gender-based premiums in the individual market, 17 had done so for the group market, and nine states had laws requiring maternity coverage in the individual market. Which is the appropriate action by the insurer if a prospective insured submitted an incomplete application? Prices are up 8 percent at the local juice shop. Many immigrants are eligible for health coverage through the Health Insurance Marketplace i or through Medicaid or the Children's Health Insurance Program (CHIP), depending on their immigration status and other eligibility criteria as described in 45 CFR 152.2 and 42 CFR 435.4, 435.406 (Medicaid) and 457.320 (CHIP). BAny children born to them after the inception of the contract. If you want to keep your current Marketplace coverage, dont report your pregnancy to the Marketplace. All qualified health plans meet the Affordable Care Act requirement for having health coverage, known as minimum essential coverage.. AIt can exclude newborn children from coverage. &\$1,200,000\\ The Affordable Care Act (ACA) gives people choices for health insurance and expands healthcare rights. 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