Ryan Kennelly
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I Have COBRA and It’s Too Expensive. Can I Drop it During Open Enrollment and Enroll in a Marketplace Plan Instead?
During Open Enrollment, you can sign up for a Marketplace plan even if you already have COBRA. You will have to drop your COBRA coverage effective on the date your new Marketplace plan coverage beg...
We Live in Texas Because my Husband is Going to College, but our Home is in another State. We aren't changing our driver's Licenses because we're moving back after he Graduates. Should we apply for insurance in Texas or our home state?
Since you're living in Texas, you'll probably have better access to the local medical care you need if you buy a plan on the Texas exchange. In addition, a number of states offer multi-state plans ...
How Did the ACA Affect CHIP (Children’s Health Insurance Program)?
The Affordable Care Act made some changes to CHIP, the Children’s Health Insurance Program. Let’s take a look at the ACA and CHIP and learn how the changes may affect your family. Health coverage i...
Does my BCBSIL plan cover prescriptions?
Your BCBSIL HMO benefits also cover prescription drugs. Not all drugs are covered. You can visit our website to view the list of prescriptions your plan covers. This list is called a preferred drug...
How Do I Buy Private Health Plans Outside the Marketplace?
If you don’t qualify for lower costs based on your income, you can get coverage 4 ways according to HealthCare.gov: Directly from an insurer. You can contact any health insurance company and see p...
Will I Pay More For a Health Plan Outside of the Marketplace?
Without taking cost assistance into account, you’ll never pay more for a specific plan in a specific region regardless of how you shop. Prices are tightly regulated and prices of plans cannot be c...
Will I be covered by my BCBSIL HMO plan if I'm away for more than 90 consecutive days?
If you or a covered family member will be temporarily living outside of Illinois for 90 days or more, you may be eligible for guest membership in a Blue Cross and Blue Shield-affiliated HMO. In som...
Is Birth Control Free Under ObamaCare?
Some birth control is completely free with no out-of-pocket cost, even before your deductible under all qualifying non-grandfathered plans, but not all birth control is free. If your plan covers bi...
Can I continue to see my current doctor when I join a BCBSIL HMO plan?
Yes, if your current doctor is a part of the HMO's network. If your doctor is not in the network, you will need to select a new primary care physician (PCP). To make sure a provider is in the HMO n...
Are Abortions Covered Under ObamaCare?
Abortion services are explicitly excluded from the ten essential benefits offered on all non-grandfathered health plans under the ACA, as are abortion inducing drugs. Other drugs that some feel cro...