Graciela Martinez
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Activity overview
Latest activity by Graciela Martinez-
Graciela Martinez created an article,
How are Composite Rates Calculated?
Composite rates are calculated by insurance carriers. The carrier takes an average of premiums for all enrolling employees to determine one rate for each enrollment type. Most commonly, composite r...
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Graciela Martinez created an article,
What is the Difference Between Composite Rates vs Age-Rated Rates?
Insurance companies have two methods for determining premiums: Age-rated rating and composite rating. In Age-rated rating, premiums are based on each member's individual risk level that include fac...
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Graciela Martinez created an article,
What's the difference between calendar year and group plan year?
The deductible limit is the maximum amount covered in a given year a participant may have to pay before the plan coverage is required to satisfy the full amount of claim(s). A calendar year dedu...
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Graciela Martinez created an article,
Is the Platinum Plan Metal Level Right for Me?
You may want to choose a platinum plan if you expect your medical expenses to be substantial and want the lowest deductible possible in order to access your plan benefits as early in the year as po...
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Graciela Martinez created an article,
Is the Gold Plan Metal Level Right for Me?
You may want to choose a gold plan if you make frequent trips to the doctor, have chronic health conditions that require ongoing medical attention, and want a lower deductible so you can access y...
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Graciela Martinez created an article,
Is the Silver Plan Metal Level Right for Me?
You might consider a silver plan if you wish to use your health insurance for minimal preventive care during the year but don’t require regular visits to the doctor, such as to manage a chronic h...
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Graciela Martinez created an article,
Is a Bronze Plan Metal Tier Right for Me?
You may want to choose a bronze plan if you tend to use very few healthcare services and primarily want a health plan for serious, unexpected illnesses or injuries. You will pay for more of your...
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Graciela Martinez created an article,
What are Affordable Care Act Metal Levels?
The Affordable Care Act’s (ACA) introduced to a new way of selecting health insurance: by actuarial tier, more commonly referred to as “metal level.” Individual major medical health insurance pla...
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Graciela Martinez created an article,
Do Medicare supplements or Medicare Advantage plans cover Acute Inpatient Rehabilitation?
Generally speaking, Medicare and Medicare Advantage plans pay for inpatient rehabilitation if your doctor certifies it's needed to help recover from an illness, injury, or surgical procedure. Tr...
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Graciela Martinez created an article,
Is Dialysis Covered By Medicare?
Medicare covers dialysis and most treatments that involve end stage renal disease (ESRD) or kidney failure. The eligibility requirements for Medicare are different if your eligibility is based on ...