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How Secure is Your Health Insurance Subsidy?

By on August 6th, 2014
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For four years, the Affordable Care Act  (ACA) has provided richer medical benefits to American health insurance consumers, Image via Flickr user 401 (K) 2013primarily through expanded benefits but also through federal subsidies to help people afford the coverage they need.

Subsidies may be available to you if your income falls below 400% of the federal poverty line (FPL). A lot of people have received these subsidies since the beginning of 2014. However, an unexpected increase in your household income or a legal challenge of the ACA could put those subsidy dollars at risk.

 What should consumers know? Read the rest of this entry »

Health Plans Without Hospital Coverage: What You Need to Know

By on September 18th, 2014
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Health plans without hospital coverageContrary to popular belief, the Affordable Care Act might have a direct impact on what health plans you’ll be offered from your employer.

In a recent investigation by Jay Hancock from Kaiser Health News, it was found that in order to reduce employee insurance costs, some large employers will start to offer health plans to employees which lack basic benefits, including hospitalization.

According to the report, these employers will be changing their employee insurance offerings to offer lower benefit or “skinny plans,” and still avoid having to pay Affordable Care Act’s penalties for employers who don’t offer “minimum-value” coverage.

What to do if your employer is offering this type of health coverage?

1. Be Pro-Active - Contact the insurance company and ask some basic questions like: How does this plan protect me in an emergency? What if I’m hospitalized for more than 48 hours? Be sure to take notes, get the name of the agent and their phone number. Read the rest of this entry »

Obama and Ebola: The fight for global access to health care coverage

By on September 18th, 2014
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photo_13922_20090904First things first- Does good health bring you happiness?

The term “health” is usually followed by lots of controversy and/or uproar, but what most people can agree on is good health brings you happiness.

So how do we define health?

Defining health

The World Health Organization, also known as WHO, defines health as a state of complete physical, mental, and social well-being and not merely the absence of disease or infirmity.

According to the United Nations, everyone has the right to a standard of living adequate for the health and well-being of himself and of his family, including food, clothing, housing and medical care and necessary social services, and the right to security in the event of unemployment, sickness, disability, widowhood, old age or other lack of livelihood in circumstances beyond his control. However, out-of-pocket payments push 100 million people into poverty every year. (WHO) Read the rest of this entry »

Insurance Renewing Early? You May Qualify for New Health Care

By on September 15th, 2014
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 Insurance Renewing Early? You May Qualify for New Health Care

If you’re one of the countless Americans who purchased a health insurance plan before January 1, 2014, your health plan may be discontinuing sometime this year.

As a result of the Affordable Care Act, any “non-granfathered” health insurance plan that do not have all of the essential benefits required by law, must be eventually updated or potentially canceled. Read the rest of this entry »

Back to School Photos: Why we dread them and how do we conquer them?

By on September 12th, 2014
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3 Reasons why we love Picture Day:

  1. MemoriesScreen Shot 2014-09-16 at 9.23.37 AM
  • Essentially, back to school photos are a physical timeline of our child’s life. It’s safe to say that there is nothing more heart-warming in this world, than looking at a picture that brings you back to little Jimmy’s second grade picture ten years later. Eventually, these photos will also hold a special place in their own hearts as time will soon catch up to them….(one of these days).
  1. Proud Parent Moments
  • Back to school photos gives you the perfect opportunity to brag (I mean share) with your closest friends and family a photo of your child/and or children.
  1. Who has time for professional photos?
  • Candid pictures are great on days like birthdays, Halloween, and/or Christmas, but there’s something about having a nice printed, professional, photograph to frame in your hallway. It’s also hard to find time if you are busy with work and extracurricular activities to take professional photos. It’s one less thing you need to worry about and it is well worth it!

Read the rest of this entry »

NFL Week 1: Is Anger Management and Substance Abuse covered under the ACA?

By on September 12th, 2014
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America’s favorite sport is back!

And yes, according to the Harris Poll, the NFL is indeed the most popular sport in America for the 30th year running. (wow!)

Unfailingly, The National Football League (NFL) will bring out both the best and unfortunately, the worst of its fans on the field as well as off in a league most commonly known as Fantasy Football, but is football getting the best of our favorite players too?

While Ray Rice’s situation is especially buzz-worthy, there’s a deeper issue that lies beneath the surface of the NFL.

It seems that Ray Rice isn’t the only one with temperament issues..

According to the 2014 NFL’s Fines/Suspensions Tracker, there are a total of 46 players who have been fined and/or suspended from as many as 1- 16 games this season. Though 80% of these infractions involve substance abuse, the other 20% consist of a combination of personal fouls, taunting, and obscene gestures.photo_12940_20090811

How does one obtain a penalty you non-footballers might ask?

Listed below are incidents that have happened this year followed by a definition:

  1. Peyton Manning fined $8,268 for taunting against the Texans
  • Taunting- A form of unsportsmanlike conduct. Includes any “prolonged and premeditated celebrations” by players including those that use props such as the end zone pylon in a touchdown celebration.

Read the rest of this entry »