I was recently asked this question . . .
If a child under age 26 is able to get coverage under a parent’s policy, can they get a lower cost plan with Marketplace insurance based on income if they apply themselves?
Answer: It depends on whether the child is a dependent in the parent’s tax household.
If the under-26 child is claimed as a dependent in the parent’s tax household – and if they have access to a parent’s job-based coverage – they are not eligible for lower costs on a Marketplace plan. This is because they have access to job-based coverage.
If the child files taxes themselves, they may be eligible for lower costs on a Marketplace plan based on their income. This is true even if they have access to a parent’s job-based coverage.
But if the child is enrolled in a parent’s job-based coverage, they are not eligible for lower costs on a Marketplace plan.
Medicare Open Enrollment always presents an opportunity for unscrupulous people to come out of the woodwork with financial scams designed to separate you from your hard earned money. Here are a few tips to help you avoid getting scammed:
– Never pay upfront fees. If someone asks for money to help you shop for insurance, it’s a sure sign they’re not legitimate.
– Be wary of anyone calling you, claiming to be a Medicare representative or a representative of any other government agency. Official government agencies typically communicate by mail. If you’re concerned, ask the caller to send the information to you in writing through the mail.
– Do not fall for phone calls where someone pretends to be a representative from the government selling insurance or signing you up for Medicare. The government will not call you to sell you health insurance.
– Do not provide personal information including your Social Security or banking info to anyone you do not know and trust. Your Medicare card has your social security number on it too, needs to be safeguarded. If you give out this information by mistake, immediately inform your banks and credit card providers.
– If you are suspicious of a caller, simply hang up the phone. Don’t count on caller ID to prove who the caller is.The phone number and/or organization name on your caller ID can be faked to look like a legitimate organization.
– Never give your medical history or specific treatments you have received, to anyone who asks you for it.
One of the easiest ways to protect yourself from insurance scams is to seek out a knowledgeable insurance professional who has a well-established reputation in your community. By doing so, you’ll know that your insurance agent will be around when you have questions or a claim. Mutsko Insurance Services, LLC is this kind of insurance agency. We are conveniently located in Mentor, OH and have been serving customers throughout N.E. Ohio for nine years. You can count on us to be here for you now and in the future.
Call us at 440-255-5700 for all your health insurance needs
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What do I need to know about Affordable Care Act 2015?
If you plan to stay with Original Medicare, your dental options will be very limited.
Original Medicare DOES NOT pay for routine dental care, including the cost of exams, teeth cleaning, tooth extractions, x-rays and dentures. This means that you can expect to pay 100% of the costs for all these services if you want to keep your healthy smile.
Original Medicare will only cover the cost of dental procedures related to covered medical procedures. For example, Medicare will cover extractions before cancer radiation therapy or jaw reconstruction after an injury. Procedures such as these are covered because they are necessary to treat a non-dental condition. They must be treated at the same time and by the same doctor as the covered condition.
There are, however, other affordable options for dental coverage available to you. At Mutsko Insurance Services, LLC we offer a number of Medicare Advantage Plans that include coverage for routine dental care as well as vision, hearing and prescriptions.
Coverage and costs will vary from plan to plan, and some plans may charge additional for dental coverage. There are plans that cover a percentage of your costs for cleanings, x-rays and exams while other are more comprehensive and will cover major dental services like crowns, bridges, root canals and denture, in addition to your routine care. It all depends on which plan you choose.
Before you sign up for any Medicare Advantage Plan, compare the dental coverage and costs and the find out whether your dentist is in the provider network. At Mutsko Insurance Services, we’ll do the work for you. We’ll show you your coverage options and determine whether your dentist is in the network. Our job is to help you find the plan that works best for you.
For more information on Medicare Advantage Plans, Medicare Supplements, dental, vision and other coverage options, please contact Mutsko Insurance Services, 6966 Spinach Drive in Mentor, OH or call 440-255-5700 or at email@example.com to make an appointment for a Medicare review.
Most people understand the basics about Medicare; that Medicare is a federal health insurance program managed by the Centers for Medicare & Medicaid Services (CMS) in which the government pays your Medicare benefits when you receive them. However, many people do not have a clear understand of Medicare Advantage Plans and how they work.
Basically, Medicare Advantage Plans are a different way for you to get your Medicare benefits. Advantage Plans, are offered by private insurance companies that have been approved by Medicare. Medicare pays these companies to cover your Medicare benefits and in turn, these companies must follow rules set by Medicare.
Medicare Advantage Plans provide the same coverage as Original Medicare.* In addition, many Medicare Advantage Plans offer extra coverage like vision, hearing, dental, and health and wellness programs. Many Plans include Medicare prescription drug coverage (Part D). All Medicare Advantage Plans cover you for emergency and urgent care services as well.
You must have Medicare Part A and Part B and live in the Medicare Advantage Plan’s service area to be eligible to join.
In addition to your Part B premium, you usually pay one monthly premium for the services included in a Medicare Advantage Plan. The total cost of the premiums, copayments and deductibles you pay under a Medicare Advantage Plan is often lower than those same total costs through Original Medicare.
A number of companies offer Plans with “zero premiums.” Although you pay no premiums to the Advantage Plan, you are still responsible for payment of your Medicare Part B premium.
Now, during Medicare’s Annual Open Enrollment Period, is the time for you to look into your Advantage Plan options. You’ll want to talk to a trusted insurance professional who can help you compare plans to determine which Plan is best for you. At Mutsko Insurance Services, we routinely provide our customers with comparisons to help them select the right Plan.
For more information on Medicare Advantage Plans, Medicare Supplements or Medicare Prescription Plans, please contact Laura Mutsko at Mutsko Insurance Services, LLC, 6966 Spinach Drive in Mentor, OH. Call 440-255-5700 or email firstname.lastname@example.org.
*An exception is hospice care. Original Medicare covers hospice care for those in a Medicare Advantage Plan.