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This is a federal health insurance program primarily for individuals age 65 or older, younger people with disabilities, and for people with End Stage Renal Disease (permanent kidney failure). There are four parts to Medicare - Parts A, B, C and Part D. Part A is for hospital coverage. Part B is for outpatient medical coverage (like doctor office visits). Part C is a Medicare Advantage Plan, and Part D is prescription drug coverage. Medicare Advantage Plans (Part C) are accessible through private insurance companies and must offer the same benefits as Parts A and B of Original Medicare, but the rules are different along with costs and restrictions. They also include more benefits, such as vision, dental, hearing, and health/wellness plans. Another add-on value to Medicare coverage is the purchase of a Medicare supplement or “Medigap” plan that fills the “gaps” in insurance that Medicare doesn’t cover (like a deductible).
Obamacare plans are major medical insurance plans that have the ten essential health benefits required by the Affordable Care Act (ACA).. These plans can be purchased on the federal marketplace or through your state exchange during the annual open enrollment period that runs November 1 - December 15 or during a special enrollment period if you have a qualifying life event that leaves you uninsured. ACA plans are an excellent option for those seeking a plan that includes maternity and mental health benefits, individuals who could qualify for a financial subsidy to reduce the cost of their health insurance, or for those who have a pre-existing condition. Not sure if you qualify? Get a free quote right now.
Dental insurance for many people is part of their employee benefits package. However, if you don’t have access to employee benefits or missed your employer’s annual open enrollment period, purchasing an individual dental insurance plan can help you maintain good dental hygiene while helping you avoid expensive dental costs Dental coverage can include basic cleanings up to major services. See if dental insurance is right for you!
Hospital indemnity insurance are supplemental health insurance services that pay a fixed dollar amount for commonly used medical services, including hospital and doctor office benefits. If you experience a covered medical event, such as a hospital stay, then a hospital indemnity pays a set fee in cash directly to you or the hospital designated by you. More than just hospital insurance, our products can also include supplemental indemnity payments for a critical illness diagnosis or unexpected accidents. Hospital indemnity insurance is not considered an ACA-qualified plan, but it can be used as a supplement to a major medical ACA plan to help cover a deductible or out-of-pocket expenses.
A short-term health plan is temporary health insurance that can be purchased for as little as 30-days up or for up to 364-days to fill an immediate uninsured need.. Plans use the same terminology as major medical insurance, like deductible, coinsurance and copays, but since it is for temporary needs, it does not cover all of the same health benefits that an ACA health plan would, like maternity or substance abuse. The coverage is primarily for unexpected accidents and illnesses that could occur while an individual is waiting to join a permanent major medical plan, which keeps costs lower.
GST taxpayers can't claim any pending input tax credit if this return is not filed by November 30, 2024 for FY 2023-24
