Ryan Kennelly
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Do I need a referral from my PCP to get infertility treatment ?
If you have an HMO plan you do need to have a referral from your Primary Care Physician before going to an infertility specialist. If you do not have an HMO your plan most likely does not require a...
If I enroll my family in a Multi-State Plan, can my children be covered if they go to college out of State?
You will want to review the benefits covered by any plan you are considering to see if your children’s out-of-State providers are included in the plan’s network. Services provided by health care p...
Who qualifies for a hardship exemption?
The following are circumstances that affect consumers' ability to purchase health insurance coverage and qualify them for a hardship exemption and exempt from the ACA penalty. 1. Becomes homeless 2...
Does my International Health Insurance Cover Obamacare Requirements?
International Health Quotes For U.S. citizens planning an extended trip outside of the U.S., retirees abroad, and expatriates–some new questions have to be answered when considering an internationa...
Why do some insurance companies cover Viagra but mine does not cover prescription contraceptives?
It's not fair that some health insurance companies are covering Viagra but my company doesn't cover prescription contraceptives. It's true that many health insurers started covering Viagra after me...
I took a job out of state and will be eligible for insurance through my employer soon. Can I place my daughter on my plan? She is under 26 years old, but going to school in another state.
The Affordable Care Act (ACA) allows young adults under age 26 to remain on a parent’s health insurance policy even if the child is: Not living with their parents Attending school Not financially ...
I have self only insurance coverage, can I use my HSA funds for my family members?
Yes, you may use your HSA to pay for the qualified medical expenses of any of your dependents so long as their expense is not otherwise reimbursed.
Is the $695 fee for health insurance annual or monthly?
The “fee” is the individual mandate penalty for not having ACA compliant coverage. It is accessed annually but not necessarily a $695 flat fee. It is calculated in 2 different ways – as a percentag...
What documents are needed to confirm prior coverage?
If you get a notice from the Marketplace saying that you need to submit documents to confirm your loss of coverage, you need to upload or mail the Marketplace documents for at least one person on y...
What documents are needed to confirm my move?
If you get a notice from the Marketplace saying that you need to submit documents to confirm your move, you need to upload or mail documents for at least one person on your application who moved. Y...