Richmond, VA (PRWEB) August 10, 2013
Experient Health is pleased to announce an online component to the Health Care Reform 101 seminars its benefits consultants have been hosting across Virginia this summer. This week, Experient Health launched an online Health Care Reform Blog series aiming to answer the community’s frequently asked questions.
“If you have job-based health insurance you like, you are considered covered and can keep your insurance,” according to Experient Health in its first published post in the series, highlighting what individuals with job-based health insurance plans can anticipate under health care reform.
“You may be able to switch to marketplace coverage eventually if you want to.”
The marketplace, according to HealthCare.gov, is “a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll.”
Application for the marketplace can occur online, by mail or in person with the help of a navigator.
“While all insurance plans are offered by private companies, the marketplace is run by either your state or the federal government,” according to HealthCare.gov. “Open enrollment starts October 1, 2013.”
Experient Health offers a private insurance marketplace.
Any job-based health plan you currently have qualifies as minimum essential coverage, according to Experient Health’s new Blog series.
“You don’t need to change to a marketplace plan in order to avoid the fee that uninsured people may have to pay for 2014. If you’d like to explore marketplace coverage options, you can, but there are several important things to consider.”
With most job-based health insurance plans, employers pay a portion of premiums.
“If you choose a marketplace plan instead, your employer does not need to make a contribution to your premiums. You should consider this carefully before comparing marketplace plans.”
Whether individuals qualify for lower costs will depend on what kind of coverage the employer offers.
“If your job-based coverage is considered affordable and meets minimum value, you won’t be able to get lower costs on premiums or out-of-pocket costs in the marketplace. This is true no matter what your income and family size are.”
Experient Health advises to ask employers for more information as they can tell employees whether the insurance plan it offers meets minimum value.
Have additional questions? Visit http://www.experienthealth.com to request a private consultation.
About Experient Health:
For years, Experient Health, a Virginia Farm Bureau company, has helped people find the right insurance coverage and get the most for their health care dollars. The Richmond, Va.-based group is dedicated to providing high quality health insurance options to customers in Virginia, Maryland, and Washington DC. As a result, its consultants, with an average of more than 20 years experience, are intimately familiar with the states’ provider networks, products and regulations.
Representing the top national insurance carriers, Experient Health provides customers with multiple policy options designed to meet wellness needs and financial requirements.
Experient Health grew out of Virginia Farm Bureau and is a “hometown agency” in that it operates a network of more than 100 offices. However, it boasts the resources and technology of larger firms.
Consultants are available online, via phone and through their offices.
Learn more at http://www.experienthealth.com, utilize the online health insurance quote calculator or contact a consultant directly at 855.677.6580.