News

Uninsured COVID-19 Patients, Hospital Bills are Covered

January 7, 2021/by Rebecca Yates

Most major health systems around the country are part of a program through the Center for Medicare and Medicaid Services that provide payments for uninsured patients who have COVID-19.

Medical bills are covered through the pandemic legislation relief, the CARES Act.

Patients may not be informed of this upfront; ask the question if it is a concern.

Special Enrollment Period (SEP)

December 29, 2020/by Rebecca Yates

If you missed the Open Enrollment period and have had a “life” event, read on.

Did you know that certain life changes may qualify you to enroll in health insurance coverage outside of the standard enrollment period?

Did you or anyone in your household lose qualifying health coverage in the last 60 days? If so, you would qualify for the special enrollment period.

Here are some other examples of qualifying events:

Marriage
Birth of a child
Gained or became a dependent
Divorce or legal separation resulting in loss of health insurance
Death
Change in income
Change in zip code/primary place of living
Denied Medicaid or CHIP
Gained citizenship in the United States
Released from incarceration

If any of these apply to you or your family, please give us a call for a quote today!

Open Enrollment Begins November 1–Five Factors to Consider.

October 21, 2020/by Rebecca Yates

Did you know there are five factors that can affect how much your health plan’s monthly premium is under the health care law?

However, individual states can limit how much these factors come into play.

These five factors are:

Age: Premiums can be up to 3 times higher for older people than for younger people.
Location: Where you live has a big effect on your premiums. Differences in competition, state and local rules and cost of living are the reasons why.
Tobacco use: Insurers can charge tobacco users up to 50% more than those who don’t use tobacco.
Individual vs. family enrollment: Insurers can charge more for a plan that also covers a spouse and/or dependents.
Plan category: Bronze, Silver, Gold, Platinum, and Catastrophic. The categories are based on how you and the plan share costs. Bronze plans usually have lower monthly premiums and higher out-of-pocket costs when you get care. Platinum plans usually have the highest premiums and lowest out-of-pocket costs.

In addition, insurance companies may offer more benefits, which could also affect costs. Furthermore, insurance companies can not charge women and men different prices for the same plan, nor can they take your current medical history or health into account when otherwise known as pre-existing conditions.

Call a Licensed Insurance Agent: (801) 901-7800 TTY: 711

By calling this number, you will be directed to a Licensed Insurance Agent.

Hours of Operation: Monday – Friday, 9:00 AM – 5:00 PM MT

TPMO Disclaimer: We do not offer every plan available in your area. Currently we represent 8 organizations which offer 45 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Not affiliated with or endorsed by the government or the federal Medicare program.

Ark Insurance Solutions is a licensed and certified representative of Medicare Advantage organizations and stand-alone prescription drug plans. Each organization has a Medicare contract. Enrollment depends on contract renewal.