Health Insurance


Smoking and health insurance. All you need to know

Smoking and health insurance. All you need to know

Smoker or not, anyone applying for ACA-compliant health insurance (Obamacare) has to answer the question: Do you use tobacco? Does Smoking affect Health Insurance premium? For those who smoke cigarettes, cigars, a pipe, or chew tobacco, the answer is simple. For those...
COVID-19 Health Insurance Options

COVID-19 Health Insurance Options

How can I lessen the chances of being infected by COVID-19? What is the latest advice on COVID-19 protection? What are COVID-19 Health Insurance options? Three questions as we approach Open Enrollment (November 1st) for 2021 ACA (Obamacare) health insurance coverage...
Short term health insurance options

Short term health insurance options

Short term health insurance. Do I have a choice? What are my options? If you are reading this article, you are probably without health insurance coverage.  Possibly this is by choice, perhaps through oversight, but most likely because you have lost your...
How to make the most of the opportunity. Open Enrollment 2021

How to make the most of the opportunity. Open Enrollment 2021

For many of us, OPEN ENROLLMENT is a necessary chore, but we should look at it as an OPPORTUNITY!  Open Enrollment 2021 is a chance to take a fresh look at the decisions we made last year and make informed decisions that can save money and provide even better...
Health Insurance Exchange: Buying Cheap Health Insurance

Health Insurance Exchange: Buying Cheap Health Insurance

Rich or poor, we all want to save money. When planning for health care it makes sense to look for cheap health insurance. Healthcare in the U.S. is expensive, and the Federal government doesn’t offer a single standardized, affordable health insurance program....
MAKING SENSE: Finding the best deals on health insurance

MAKING SENSE: Finding the best deals on health insurance

So. Many. Choices.  I’m Overwhelmed! Which is the BEST Affordable Health insurance plan? Should I use an Insurance Agent? Everyone searches for the BEST health insurance plans for themselves, their family, or business. But with hundreds of insurance...
GOOD NEWS for Seniors w/Diabetes! Trump Caps Insulin Prices

GOOD NEWS for Seniors w/Diabetes! Trump Caps Insulin Prices

Updated 3rd-August-2020 Under recently announced plans, Seniors enrolled in Medicare can choose policies that limit co-pays for insulin.  President Trump endorses a deal designed to benefit a significant group of US citizens. Who is eligible for this...
Coronavirus Impacts on Pregnancy: COVID-19 Precautions

Coronavirus Impacts on Pregnancy: COVID-19 Precautions

Last update on 26th-July-2020 COVID-19 is a NEW ‘flu-type’ respiratory disease. We emphasize the word ‘new’ because biologists and epidemiologists worldwide are still investigating the virus and how it spreads. Despite the enormous strides made in research techniques...
Lost your job due to Coronavirus? 5 ways to get Health Insurance

Lost your job due to Coronavirus? 5 ways to get Health Insurance

Any cut in income will influence your approach to health insurance for you and your loved ones. This article discusses ways to get health coverage caused by job loss, especially if it’s the result of the Coronavirus pandemic. A lost job due to Coronavirus is...
COVID-19: Wear a Mask? Why Does the Guidance Change?

COVID-19: Wear a Mask? Why Does the Guidance Change?

Do I have to wear a mask? “Do I have to wear a mask?” … This is the easiest question to answer. It is your choice, but in some States and some circumstances, you will be breaking the law if you do not. The important issue is to rapidly reduce the...
Small businesses, COVID-19 insurance and you

Small businesses, COVID-19 insurance and you

We are going to look at the impact COVID-19 is having on employer-sponsored (group) health insurance, and more widely on small business insurance in general.  But first, we need to understand how it concerns us, the ‘average American’. For most of us our...
Health Insurance Open Enrollment 2020

Health Insurance Open Enrollment 2020

Finding affordable health insurance for you and your family can be difficult. Especially when you try navigating the health insurance marketplace by yourself. Truecoverage wants you to learn everything that you need to know about the health insurance open enrollment...
Health Insurance for Unemployed

Health Insurance for Unemployed

When you lose your job, one of the biggest concerns is “what about my health insurance?” In most cases, you would have lost health insurance when you lost your job. There are options for health insurance for unemployed people. Lost Health Insurance? Here’s What You Do...
Should I Use a Broker to Get Health Insurance?

Should I Use a Broker to Get Health Insurance?

As an individual trying to navigate through choosing your own insurance, you may find that this is an incredibly daunting task. What are you looking for? How do you know if an insurance plan is right for you? Unless you know a lot about health insurance and navigating...
Defund the police. What does it mean? Where will it lead?

Defund the police. What does it mean? Where will it lead?

All fires, even the largest conflagrations, start with a spark and dry tinder. What was the spark, and what the tinder that set first Minneapolis, America, and now cities across the world aflame?  Aflame with shared slogans, “Black lives matter”, “Defund the...
Enjoy a Safe Summer! Don’t Let COVID-19 Spoil Your Fun

Enjoy a Safe Summer! Don’t Let COVID-19 Spoil Your Fun

Make your summer more enjoyable by learning how to manage risks during summer activities. Right now, there is no such thing as a zero-risk situation. But the great joy of summer is the opportunity for more social occasions, entertainment events, and sporting...
How to manage student loans during Coronavirus pandemic?

How to manage student loans during Coronavirus pandemic?

Anyone who has a student loan knows just how complicated it can be.  The impact of the Coronavirus pandemic does not make it any easier to navigate the almost limitless alternatives and you must be looking for ways to manage student loans during Coronavirus...
How to manage auto loans during Coronavirus pandemic?

How to manage auto loans during Coronavirus pandemic?

In this article we give some guidance on the options available to you to lessen the impact of the COVID-19 pandemic and manage auto loans during Coronavirus pandemic. If you think you may fall behind on your auto loan, call your lender and explain your situation. The...
Trouble Paying Bills? Pandemic Money Management

Trouble Paying Bills? Pandemic Money Management

There can be very few American families who are not financially affected by the COVID-19 pandemic and finding difficult to manage money during Coronavirus pandemic.  The key to finding financial protection from Coronavirus is to recognize them and face them. The...
COVID-19 Financial Protection: Managing Money

COVID-19 Financial Protection: Managing Money

The COVID-19 pandemic now affects everyone in the U.S. It also is causing trouble throughout the world. The Coronavirus affects each individual, family, community, state, and nation differently, ut COVID-19 financial protection is something on everyone’s mind....
COVID-19- Balancing the harms! When will we be prepared?

COVID-19- Balancing the harms! When will we be prepared?

Right now (early May 2020) state governors up, down and across the USA are making decisions about ending or at least relaxing the regulations introduced to control the COVID-19 pandemic. Balancing the harms The USA is not alone in facing the invasion of the COVID-19...
Social Isolation Impacts: Unintended Consequences

Social Isolation Impacts: Unintended Consequences

Much has been written and said about the impact of social isolation due to the COVID-19 pandemic is having and will continue to have on the world and national economies.  All of us are experiencing changes to our way of life, some of which will become the ‘new...
Getting America Back to Work Safely. The COVID-19 Unknowns

Getting America Back to Work Safely. The COVID-19 Unknowns

When Donald Rumsfeld, then Secretary for Defense, introduced the idea of “known unknowns” when appearing before a Senate committee in 2002, he was referring to weapons of mass destruction.  WMD proved to be largely fictitious.  In 2020 COVID-19 has been...
When Can We Return to Normal? Trump Eager to Reboot Economy

When Can We Return to Normal? Trump Eager to Reboot Economy

President Donald Trump on April 16, 2020, issued federal guidelines for states to reopen their economies amid the coronavirus pandemic. The three-phased approach announcement acknowledges that states are not ‘legally’ bound to follow the White House instructions. Read...
COVID-19 Info 3: Economic Impact payments. Am I entitled?

COVID-19 Info 3: Economic Impact payments. Am I entitled?

What is Economic impact payment? Payments being made by the US Government to most US residents to reflect the financial impact that COVID-19 (Coronavirus) is having both on families and the economy as a whole is called economic impact payment. The payment is worth...
COVID-19 Update-The Truecoverage digest-April 2020

COVID-19 Update-The Truecoverage digest-April 2020

The impact of COVID-19 on us as individuals and on the American economy is without precedent, as the Press and Broadcast media constantly remind us.  The politicians, pundits, and public opinion formers assault us from all sides with facts and opinions in a...
COVID-19 treatment-Humana and Cigna agree to waive costs

COVID-19 treatment-Humana and Cigna agree to waive costs

Early last month President Trump announced that tests for COVID-19 infection would be included in the ten Essential Health Benefits (EHB) specified in the Affordable Care Act (ACA). NOW, two major health insurers HUMANA and CIGNA have come forward with an ADDITIONAL...
COVID-19 Self-Isolation: How to Keep Family & Friends Safe

COVID-19 Self-Isolation: How to Keep Family & Friends Safe

The suggestions in the article are guidance for all members of a household where one or more members are self-isolating in order to minimize the possibility of spreading the COVID-19 virus to the wider community. Individuals should self-isolate if they have symptoms...
Health Insurance after Termination: Use COBRA Insurance?

Health Insurance after Termination: Use COBRA Insurance?

What is COBRA health insurance? First, what does it stand for? COBRA stands for Consolidated Omnibus Budget Reconciliation Act, now that’s out of the way, So What does COBRA do? COBRA is the federal legislation which ensures that employers who offer group health...
Chiefs Player Pays Shelter Fees for 109 Dogs

Chiefs Player Pays Shelter Fees for 109 Dogs

Health insurance plans which are compliant with the Affordable Care Act are intended to run from January 1st until December 31st without change. This rule is designed to make it impossible to change a plan in mid-year to cover additional risks or to avoid paying...
Special Enrollment Period-SEP: Qualify? Household Changes

Special Enrollment Period-SEP: Qualify? Household Changes

Health insurance plans which are compliant with the Affordable Care Act are intended to run from January 1st until December 31st without change. This rule is designed to make it impossible to change a plan in mid-year to cover additional risks or to avoid paying...
Special Enrollment Period-SEP: Qualify? Health Insurance

Special Enrollment Period-SEP: Qualify? Health Insurance

Health insurance plans which are compliant with the Affordable Care Act are intended to run from January 1st until December 31st without change. This rule is designed to make it impossible to change a plan in mid-year to cover additional risks or to avoid paying...
Joe Biden, building on Medicare. The public option

Joe Biden, building on Medicare. The public option

For most of us healthcare, both for ourselves and our loved ones whether juniors or seniors, is one of our highest priorities.  Our politicians, whether Republican or Democrat, recognize this and put healthcare, (as represented by the Affordable Care Act, or...
Free Coronavirus tests-President Trump and Top insurers agree

Free Coronavirus tests-President Trump and Top insurers agree

In a welcome announcement on March 10th 2020 Vice President Pence made public the offer by major Health Insurance Companies to ‘waive all copays on coronavirus testing in all their benefit plans’. Last week Medicare and Medicaid, on instructions from President Trump,...
COVID-19 Info 2: Save Others by Taking Care of Yourself

COVID-19 Info 2: Save Others by Taking Care of Yourself

COVID-19-Prevention and Treatment We all know that prevention is better than cure so we will deal with PREVENTION first. Prevention of COVID-19 (Coronavirus) There is currently no vaccine to prevent coronavirus disease 2019 (COVID-19) nor a specific anti-viral...
Meet the 105 yr old man and his bride(96): Married 79 years

Meet the 105 yr old man and his bride(96): Married 79 years

A black couple identified as A.J. & Lillie Reeves from Virginia who are 105 and 96 respectively, have celebrated 79 years of happy marriage. According to a video seen by Briefly.co.za on Wsls.com, the couple has been recognised in the US House of Representatives...
When is a surprise not a surprise? When it’s a SHOCK!

When is a surprise not a surprise? When it’s a SHOCK!

When it comes to healthcare surprise billing may come as a shock. Perhaps it hasn’t happened to you, but almost certainly you know someone who has been on the receiving end.  Should there be Federal ‘surprise’ medical billing legislation? One in five ER visits...
COVID-19 Info 1: Taking Care of Yourself Helps Everyone

COVID-19 Info 1: Taking Care of Yourself Helps Everyone

The contents of this item are drawn from the latest   Centers for Disease Control and Prevention (CDC) publications concerning the Coronavirus Disease 2019 (COVID-19). COVID-19 is described as a flu-like disease, for which there is currently no approved...
Can Elizabeth Warren really reduce health care costs?

Can Elizabeth Warren really reduce health care costs?

“and millions more Americans will have the choice to ditch their private insurance and enter a high-quality public plan” Elizabeth Warren (Warren for President, January 2020) Does Elizabeth Warren have a health care policy that can build on the Affordable Care Act...
Does President Trump really want to repeal the ACA (Obamacare)

Does President Trump really want to repeal the ACA (Obamacare)

When he introduced the 2020 federal budget President Trump re-emphasized his intention to repeal the Affordable Care Act, known more popularly to most of us as ‘Obamacare’. Perhaps that is the issue! Trump and Obamacare! The Affordable Care Act is irrevocably...
Medicare for all who want it: Pete Buttigieg’s healthcare plan

Medicare for all who want it: Pete Buttigieg’s healthcare plan

Healthcare policy was the central issue during the 2018 mid-term elections which led to the democrats winning a majority in the House of Representatives.  Among the leaders in the race for nomination for the democratic candidacy the common theme is, ‘affordable...
Mike Bloomberg’s Affordable healthcare plan

Mike Bloomberg’s Affordable healthcare plan

Just recently the TrueCoverage team wrote an article ‘MEDICARE FOR ALL EXPLAINED’ and concluded that while the Democratic party had a distinctly different approach to funding national healthcare from the Republicans, they had yet to find ‘a policy which values...
Is pain management covered by health insurance?

Is pain management covered by health insurance?

What are the risks of long term opioid treatment? Medicare Part A/Part B or Part C Advantage with Drugs coverage or Medicare Part D drugs coverage ensure that prescribed pain management care while part of a medical procedure is included in your plan. Among the drugs...
African American history month – Black history month

African American history month – Black history month

The annual observance of Black History Month in February has its origins dating back to 1926 when the historian Carter G Woodson, author of ‘The Journal of Negro History’, announced the second week in February to be “Negro History Week”. The flame flickered until, in...
Low-cost health insurance in Texas

Low-cost health insurance in Texas

Are you looking for affordable health insurance in Texas If you live in Texas and need individual health insurance for the first time, or if you are thinking of changing to a new plan or getting low-cost health insurance, do nothing until you have read this article....
Does my health insurance cover me for Coronavirus?

Does my health insurance cover me for Coronavirus?

First things first, you are reading this article because you are concerned about the effect a Corona or corona type disease might have on you and your dependents. So, let’s be absolutely clear about three things, The chances that you or one of your loved ones becomes...
Discovery Paves the Way for Dementia & Migraine Treatments

Discovery Paves the Way for Dementia & Migraine Treatments

Scientists from New Zealand have just made the “remarkable discovery” of the brain having its own blood pressure sensors—and they say it could pave the way towards new treatments for dementia, high blood pressure, migraines, and a dozen other conditions. For decades,...
Trae Young cancels $1 million of medical debt in Atlanta

Trae Young cancels $1 million of medical debt in Atlanta

NBA superstar Trae Young is starting off 2020 by giving back to his new city in a HUGE way … by helping cancel out more than $1 MILLION in medical debts for people in Atlanta. The 21-year-old pro teamed up with a nonprofit called RIP Medical …...
ACA Open Enrollment 2020 – take 15 minutes out to get covered

ACA Open Enrollment 2020 – take 15 minutes out to get covered

Enroll in an ACA compliant health insurance plan! WHY? To ensure that you and your loved ones have coverage in 2020 that takes advantage of state and government reliefs and subsidies to which they are entitled. All compliant coverage will protect you and your...
2020 ACA Open Enrollment: Health Plans w/ *STAR* Quality

2020 ACA Open Enrollment: Health Plans w/ *STAR* Quality

You don’t have much time left to enroll (open enrollment ends December 15th) but for 2020 CMS (Centers for Medicare and Medicaid Services) has moved to make your choices better informed. All Insurers (Carriers) are now required to display a ‘STAR RATING’ for any of...
ACA Open Enrollment 2020: Ends December 15th DON’T MISS OUT

ACA Open Enrollment 2020: Ends December 15th DON’T MISS OUT

Someone has to be last but don’t let it be you! Give yourself time to discuss your health insurance with experts. Learn how ACA (Obamacare) makes coverage for you and your dependents affordable.  In some cases, monthly premiums are entirely covered by tax...
ACA Enrollment: Premium Tax Relief & Cost-Sharing Subsidies

ACA Enrollment: Premium Tax Relief & Cost-Sharing Subsidies

Am I eligible?How much relief will I get?How do I claim the benefit?Who should I talk to? Let’s take these important questions in order Am I eligible for PREMIUM TAX RELIEF AND COST SHARING REDUCTIONS? Almost certainly! Well over 80% of people who enrolled through the...
ACA Open Enrollment 2020 – 5 tips to save money

ACA Open Enrollment 2020 – 5 tips to save money

Stop right now! There is no such thing! We will have to wait until next year to know what you might have done differently. What we CAN do right NOW is to work together to find the best value health insurance coverage in 2020, for you and your dependents, whether young...
ACA Open Enrollment 2020: 5 things not to do

ACA Open Enrollment 2020: 5 things not to do

Don’t enroll or renew without reading this article! (it could save you $thousands) You may be enrolling for the first time or renewing either as an individual or as a member of a group (employer) scheme.  The same rules apply. Focus on the future! Even if you...
THINK PINK. WEAR PINK. October is Breast Cancer Awareness Month.

THINK PINK. WEAR PINK. October is Breast Cancer Awareness Month.

The average lifetime risk of women developing breast cancer is ONE in EIGHT (12% of women). About 300,000 cases are diagnosed each year in the USA of which about 85% are successfully treated. Sadly, breast cancer is the most common form of cancer (after skin cancer)....
ACA Open Enrollment Guide How to choose THE BEST HEALTH PLAN?

ACA Open Enrollment Guide How to choose THE BEST HEALTH PLAN?

ACA Open Enrollment 2020 is between 1st Nov to 15th Dec. Contact your health exchange today to get enrol under affordable care act and get affordable health insurance Don’t kick the tires! ASK THE RIGHT QUESTIONS! The purpose of this article is to help both the...
Preventative Care Services: ACA Benefit Saves You Money

Preventative Care Services: ACA Benefit Saves You Money

Make sure that you and your dependents have theprotection they need. ACA Open Enrollment 2020 is from 1st Nov-15th Dec 2019 One of the underlying concepts of the Affordable Care Act is the certainty that prevention is better than cure. Early detection of a condition...
ACA Open enrollment guide-How long it takes to enroll?

ACA Open enrollment guide-How long it takes to enroll?

We will tak you through the ACA open enrollment requirements: The ACA Open enrollment optionsWhere you can turn for guidanceThe information you will need to enroll in health insurance Whichever enrollment option you choose, it will take less time and you will get...
Special Enrollment Period: It’s not ACA Open Enrollment

Special Enrollment Period: It’s not ACA Open Enrollment

ACA ‘open enrollment’ runs from 1st November to December 15th for Health Insurance coverage for the year commencing January 1st 2020. You can only buy ACA-compliant insurance plans during this window. Read more about ACA open enrollment 2020 BUT there are some events...
Choosing Affordable Health Insurance that’s Right for You

Choosing Affordable Health Insurance that’s Right for You

For most individuals the first point of contact should be a health insurance exchange, Federal, State or Private.  Any of them will help you to navigate the choices in arriving at the best health plan for you from the top health insurance companies. ...
How do you answer question 4? Do you use Tobacco?

How do you answer question 4? Do you use Tobacco?

As open enrollment comes closer (November 1st)) and you need to contact your health insurance agent looking for your best health plan, you will be faced with four critical questions. Your age?Your location? (many states have different regulations) Do you need an...
¡Próximamente! Inscripción Abierta 2020 ACA: Seguro de Salud

¡Próximamente! Inscripción Abierta 2020 ACA: Seguro de Salud

¿Está preparado para recibir la mejor cobertura a un precio asequible? Lea a continuación para descubrir las diferentes opciones que tiene para ACA/Asistencia Obamacare ¡Bueno, amigos! Es hora de sacar su bolígrafo rojo y marcar sus calendarios. ¡Estas son las fechas...
Understand your medical bill

Understand your medical bill

Does it contain surprises? Who can you turn to? What to do next? First, we should admit that all medical care and treatment is expensive and is usually unplanned. It is the main reason for taking health insurance cover. Nevertheless, most insurances leave us with...
LOOKING FOR THE BEST HEALTH PLAN?

LOOKING FOR THE BEST HEALTH PLAN?

Don’t kick the tires! ASK THE RIGHT QUESTIONS! The purpose of this article is to help both the first-time buyer of a health plan and the seasoned enroller to find the best health plan to meet their needs. As we approach ‘open enrollment’ (November 1st to December...
Open Enrollment 2020 for ACA Health Insurance is Coming Soon!

Open Enrollment 2020 for ACA Health Insurance is Coming Soon!

Are you prepared to receive the best coverage at an affordable price? Read below to discover the different options you have for ACA/Obamacare Assistance. Read in Spanish Alright, folks! Time to get out your red pen and mark your calendars. These are the 2020 Health...
THE OPIOID CRISIS. What lies ahead?

THE OPIOID CRISIS. What lies ahead?

The kid says IT HURTS your first reaction WHERE?Don’t worry, I’ll kiss and make it better How does this natural parental reaction to pain lead to what we now recognize as, the ‘OPIOID CRISIS?’ There is no simple answer.   We should recognize that our instincts...
African American Healthcare: Explained.

African American Healthcare: Explained.

African Americans make up the second-largest ethnic group in the US population.  Just over 13% of Americans define themselves as members of this group. When it comes to health care, African American health disparities are striking. There are significant...
The Opioid Crisis: Epidemic Information and Getting Help

The Opioid Crisis: Epidemic Information and Getting Help

The recent, widely reported judgment in the case of Oklahoma vs Johnson and Johnson (which Johnson and Johnson says it plans to appeal) has thrown the problem of the ‘OPIOID CRISIS’ into sharp relief. This article is intended to broadcast both the benefits of opiate...
Health plans with Star Quality

Health plans with Star Quality

Finally, CMS (Centers for Medicare and Medicaid Services) moves to require Insurers (Carriers) to display a ‘STAR RATING’ for any of their products offered on Health insurance exchanges (Federal, State or private). The CMS STAR RATINGS will be in effect for the OPEN...
Kamala Harris’s Health Care Plan: Medicare-for-All Details

Kamala Harris’s Health Care Plan: Medicare-for-All Details

Health care is a defining policy division among the presidential candidates. The Democratic field is in total agreement in its desire to provide universal coverage, but the candidates disagree on how to get there. Sen. Bernie Sanders and Elizabeth Warren are closely...
How much does health insurance cost per month?

How much does health insurance cost per month?

The most frequently asked health insurance question-​The hardest to answer Under the Affordable Care Act (Obamacare) all US residents are obliged to have health insurance for themselves and their dependents. The act specifies the minimum services to be covered. ​ ​If...