Ryan Kennelly
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Where do you go when an emergency isn’t really an emergency?
If it's a serious injury, heart attack, major burn or gunshot wound, it's probably safe to say you should head straight to the nearest hospital’s emergency entrance. Some hospital systems are also ...
Can I Get Health Insurance If I am not a US Citizen?
You do not have to be a US citizen to purchase health insurance, but you do have to be a documented (lawful) permanent resident or green card holder. If you do not have legal status in the US, ...
What is a Grandfathered Health Plan?
Grandfathered plans are plans that were purchased before March 23, 2010. You can longer purchase grandfathered plans, but you are individuals are able to keep them as long as they would like. Thes...
I Have a Pre-existing Condition, Will it be Covered?
Yes! The Affordable Care Act eliminated pre-existing conditions starting 2014. Insurance companies are no longer able to deny coverage, charge more, impose waiting periods, or deny treatment for ...
What Documentation is Required to Prove a Qualifying Event?
Some qualifying events have multiple options, but you only need to supply one document. All letters and/or documents should be signed and dated. In some cases, it is difficult to provide the requir...
What Qualifying Events Allow Me to Get Coverage Outside Open Enrollment?
There are a handful of special circumstances and life events that could qualify you for a special enrollment period. This begins 60 days before the trigger event and lasts 60 days after the trigger...
Are there any ways around special enrollment requirements to purchase health insurance?
Unfortunately not. The only way to obtain insurance in the immediate future is if you have a qualifying event. If you do qualify for a Special Enrollment Period (SEP) but need something to cover y...
Will my Rates Increase if I Smoke?
Although insurers can’t charge more for health status, they can charge up to 50% more for smoking status. On the flip side, all ACA ("Obamacare") plans include smoking cessation therapy (including ...
What is a Catastrophic Plan?
A Catastrophic Plan is a health plan that meets all of the requirements applicable to other Qualified Health Plans (QHPs) but doesn't cover any benefits other than 3 primary care visits per year be...
Can a Health Insurance Company Terminate my Individual Health Insurance Policy?
An insurance company can only terminate your policy if you fail to pay your premium within the allowed grace period, which is typically 30 days. If you applied for your plan through the healthcare...