The Affordable Care Act in CT for 2015 - Informative Q & A

[N'Zinga Shani]

The Affordable Care Act in CT for 2015 – Get Informed Now. Please read the Q & A article in the CT Mirror that is linked below in this blog.

OneWorld encourages great caution in selecting a health insurance provider for 2015. United Health Care has proven to be extremely difficult with many of its existing Medicare enrollees. There are ongoing complaints and investigations against UHC. Please be sure that you are absolutely clear in what your coverage and provider latitude will be before enrolling.  Here are a few salient questions to be addressed before signing up with any insurer: 1) Are your present doctors in the network of insurance providers? If not, what latitude do you have in selecting a provider? 2)  How far will you have to drive to get to your new providers? 3) Do you have pre-existing conditions that are being treated by a specialist/s? 4) Will you be able to maintain that relationship under your new insurer?  5) If not, will you be able to get a comparable provider/specialist under the new insurer?

For those on Medicare, please know that AARP is NOT a health insurance provider; AARP is only a licensee to UHC. If you sign up with United Health Care through the AARP Supplement program, you are NOT insured with AARP. Please see the disclosure below.

Important Disclosure about Medicare Supplement Insurance:
“The AARP Medicare Supplement Insurance Plans carry the AARP name and United Health Care pays a royalty fee to AARP for use of the AARP intellectual property. Amounts paid are used for the general purposes of AARP and its members. Neither AARP nor its affiliate is the insurer.”

“AARP encourages you to consider your needs when selecting products and does not make specific product recommendations for individuals” https://www.aarpmedicareplans.com/

Health insurers wishing to offer coverage through Access Health CT filed their proposed 2015 rates with the Connecticut Insurance Department (CID).  Two insurers, Anthem and ConnectiCare, requested average rate increases of 12.5 percent and 11.8 percent respectively. Thanks to a mobilized community with Universal Health Foundation and the Office of the Healthcare Advocate as the driving forces, these exorbitant requests were not granted.  The insurance commissioner reduced their requests and granted a smaller increase.  It is important that we learn all that we can now so in October we can make informed decisions that meet our health care needs. This article (linked below) in the CT Mirror provides a good question and answer segment we think is worth reading.

Obamacare Q&A: Health insurance costs and options for 2015 By: Arielle Levin Becker | Aug. 25, 2014

"Looking to buy health care coverage for next year?

Compared to this year, premiums for health plans sold through the state's individual market are, on average, decreasing or rising slightly. But the exact change will depend on the type of plan you buy. While some customers will see big drops in price, others could face significant increases. And many won’t pay "sticker price" at all, because their rates are discounted by the federal government.

For people buying plans through the state’s health insurance exchange, Access Health CT, there will also be some changes in the way plans are structured. Here's a look at what you need to know about the prices and plan options."  Click the link below to continue reading the article.

http://ctmirror.org/obamacare-qa-health-insurance-costs-and-options...

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