Bringing a new bundle of joy into the world is an exhilarating and life-changing experience. From those tiny fingers to that adorable button nose, your newborn baby captures your heart in an instant. But amidst all the excitement and wonder, it’s important to...
Are you ready to dive into the world of health insurance? Don’t worry, we’ve got your back! Navigating through the sea of options can be overwhelming, but fear not – we’re here to help. In this blog post, we’ll provide you with 5 tips to...
Are you a self-employed entrepreneur, with 0 to 3+ employees, wondering how health insurance coverage works? Do you have the same advantages and cost benefits? Are you wondering how you can explore your options and eligibility requirements? This article discusses what...
Due to the Supreme Court ruling legalizing same-sex marriage nationwide in 2015, same-sex married couples qualify for the same benefits under the Affordable Care Act (ACA) as heterosexual couples in all 50 states. But despite that fact, many same-sex partners remain...
Prioritize your employees It’s essential to constantly explore what is best for your company and employees on a yearly basis as health insurance options change each year. It may seem best to keep offering the same group health insurance that you offered last...
Accessible, Affordable, and Attainable One of the key achievements of the Affordable Care Act (ACA) was the introduction of health insurance subsidies. For health insurance bought on the Marketplace, Obamacare subsidies lower the cost of monthly premiums for ACA...
The Affordable Care Act (ACA) led to the establishment of the Health Insurance Marketplace where anyone could buy their own health insurance plan. The tax credits created by the ACA meant that Obamacare could be an affordable way to get coverage if you didn’t have...
What Can Insurance Technology Do for You? Consumers turn to digital technology for improved convenience and streamlined processes. New marketplace technology, such as the TrueCoverage app, is specifically designed for the insurance industry and can: Save you time by...
Asthma is one of the most undiagnosed and undertreated medical conditions. It occurs most commonly in children. About twenty-six million Americans suffer from asthma-and about six million of these are under eighteen. It is also the primary reason children miss school...
Understanding COBRA Under certain circumstances, such as voluntary or involuntary job loss, workers and their families can continue group health benefits provided by their group health plan for a limited period of time if they lose their health benefits under the...
FPL (Federal Poverty Level) by Paul T. Montgomery In addition to Marketplace health insurance, Medicaid, and CHIP coverage, Federal Poverty Levels determine eligibility for specific federal programs and benefits. FPL (Federal Poverty Level) A modified adjusted gross...
When considering a career as a health insurance agent or broker, you must decide whether to become an independent or a captive agent. Both have their advantages. Agents in captivity It is possible that you know someone who works for State Farm, Geico, or Allstate as a...
Cost is a significant part of the health insurance selection process, and you can provide tremendous value to clients who may be new to the experience or recently experienced life changes. They could be uncertain about the influencing factors of cost, unaware of their...
Do you need health insurance? Especially if this is your first time applying for insurance on HealthCare.gov, here’s what you need to know. 2023 Open Enrollment runs from November 1 to January 15, 2023. Health coverage can begin on January 1, 2023 if you enroll...
Coverage under Medicaid and CHIP Many Americans have access to free or low-cost health coverage through Medicaid and the Children’s Health Insurance Program (CHIP), including some low-income people, families, children, pregnant women, the elderly, and people...
Over six million women in the USA live with the chronic, complex diagnosis condition endometriosis. Yet this life-changing condition attracts little attention. Your interest in the article is likely sparked by the need to UNDERSTAND the cause of symptoms...
Here are some important dates to keep in mind November 1, 2022 First day to enroll, re-enroll, or change a 2023 health plan through the Health Insurance Marketplace®. Coverage can begin on January 1, 2023. December 15, 2022 January 1, 2023 is the last day to enroll or...
What is Autism? The chances are that if you are reading this article, you are already acquainted with the condition from direct family experience or indirectly from colleagues or friends. You will seek information to help you as a potential carer or to support...
These are the 10 Essential Health Benefit Categories: An ambulatory patient service is outpatient care you receive without being admitted to a hospital. Services for emergencies. Hospitalization (such as surgery and overnight stays) Maternity, newborn, and pregnancy...
The need for health insurance cannot be overstated If you want to remain healthy and safe, you need the right, affordable health insurance. This will ensure that you get both routine and critical medical care at the right time. Though health insurance substantially...
Perhaps you are concerned that a friend, a relative, or yourself are showing signs of having problems with forgetfulness, problem-solving, or communication. Like weakening muscles, stiffening arteries, muscle wastage, and age-related memory failings, these symptoms...
According to NAMI, the National Alliance on Mental Illness, an estimated one out of five U.S. adults experience a mental health issue every year. However, many of those afflicted do not seek help for their problems due to a litany of reasons, such as the stigma...
Do you want health insurance, but not sure how much it will cost? The cost of health coverage may be more affordable than you think, whether you buy it through your employer or the Marketplace. Quality healthcare coverage is within reach and affordable if you’re...
As an unemployed person, you may be able to get an affordable health insurance plan through the TrueCoverage.com insurance marketplace, with savings based on income and household size. Connected to Healthcare.gov marketplace, you can now find out if you qualify for...
Retired persons may be able to get an affordable health insurance plan through the TrueCoverage.com insurance marketplace. Connected to Healthcare.gov marketplace, you can now find out if you qualify for private plans and low-cost ACA plan coverage. Plans for retirees...
Enroll in a Health plan NOW to avoid being without healthcare. What the heck is “Medicaid Unwinding?” Some quick background information: At the start of the COVID-19 pandemic, Congress enacted the Families First Coronavirus Response Act (FFCRA) and...
While the 2023 Open Enrollment window for the Affordable Care Act (ACA) ended at the beginning of the year, don’t fret if you haven’t gotten cheap health insurance coverage! We are currently in the Special Enrollment Period (SEP), which certain triggering events may...
Background Fentanyl is a synthetic drug, a narcotic of the opioid group, designed in the late 1950s. It is used to treat severe pain, e.g., during surgery as an anesthetic, after surgery for acute (short-term) pain relief, or to ease end-of-life discomfort (chronic...
What is Dementia? Dementia is most often associated with forgetfulness. A loss of neurons is a significant cause of forgetfulness. As Shakespeare might have said, ‘Some people are born forgetful, some develop forgetfulness, some...
Special Enrollment Health Coverage Application Your clients may be asked to provide documents to confirm that they qualify for a Special Enrollment Period if they qualify due to a life event. These documents must be submitted before coverage begins. Special Enrollment...
Even if you are fully vaccinated against COVID-19, your immunity to COVID reduces over time. Booster shots are needed to maintain your resistance to infection and reduce the chances of the more severe consequences that might lead to hospitalization. The word “viral”...
Most people in America consume alcohol periodically, more than 85 percent in fact. Occasional use of alcohol is not necessarily harmful. Some doctors claim that small quantities of alcohol add to the beneficial effect of a good diet in reducing the incidence of heart...
The Biden administration recently announced a proposal from the U.S. Treasury Department to fix an issue that has existed in the Affordable Care Act (ACA) since its inception, the so-called “family glitch.” Under the original ACA, a person or family is...
For many, the pop-culture debate regarding the slap heard round the world at this weekend’s Academy Awards ceremony has resulted in more questions than answers. Today we will get down to the root of one of those questions; just what is alopecia anyway? Alopecia is the...
March is National Kidney Month, but one should be aware of kidney disease year-round. But just what is chronic kidney disease? Thirty-seven million Americans suffer from chronic kidney disease, and millions more are at risk to join them, so the problem is more common...
Due to the COVID-19 public health emergency, the Families First Coronavirus Response Act was passed in March 2020. This bill required states to halt their standard eligibility checks on current and new Medicaid and CHIP users, which could often result in denials of...
Did you know that approximately 20 million Americans are affected by some type of thyroid disease? But just what is the thyroid, and why does it matter? The thyroid is a butterfly-shaped endocrine gland in your neck just above your collarbone, wrapped around your...
February is American Heart Month. But just what is the difference between a heart attack, heart failure, stroke, and how are they affected by conditions such as heart disease and high blood pressure? Stoke and cardiac arrest (also known as a heart attack) are acute...
As we recently reported to you on the TrueCoverage blog, health insurers were recently required by the current administration to cover the cost of several COVID-19 home testing kits per month. Surprisingly, this U.S. government requirement of health insurers did not...
With the recent surge of the fast-spreading Omicron-variant of COVID-19, it seems like every pharmacy you visit is out of tests, and every in-house testing facility features long lines and even longer waits for results. That is why the U.S. government has introduced...
Cancer Awareness Most people know the effects of cancer, regardless of the type, on an individual and their family. Studies have found there is a 40 percent chance of developing cancer among men during their lifetime. This statistic likely does not surprise you. It...
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...
When planning a trip abroad, a cruise, a job assignment, or even a permanent relocation, you need the security of knowing that your health insurance plan covers (and your dependents) should you get sick or injured. Many policies, including ACA-compliant plans, do not...
Medicare and Medicaid are both government programs that enable access to healthcare services in the United States. The main difference between the two is the administration. Medicare is a federal health insurance program designed for individuals at least 65 or who...
When it comes to health care coverage, there’s no easy, one-size-fits-all solution. Do you need a Medicare Advantage or Medigap policy? Can you stay with your current doctor? How do prescription drug plans fit in? Your Medicare policy needs to make sense for...
Medicare is the leading provider of health insurance for older citizens in the United States. More than 44 million Americans get some or all of their health coverage through Medicare, with that number set to rise above 79 million by 2030. Prescription drug benefits...
As the coronavirus continues to affect people around the world, the U.S. Centers for Disease Control and Prevention (CDC) has issued guidelines for the public, from face coverings to social distancing, in an effort to keep Americans vigilant and protected. If and...
On September 29, President Donald Trump and Former Vice President Joe Biden battled it out on the debate stage one-on-one for the first time. As millions of Americans tuned in with bated breath, the presidential candidates quickly discussed the Affordable Care Act and...
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...
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...
“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...
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...
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...
‘Health care as a human right’ is a key plank in Bernie Sanders 2020 campaign for the nomination as Democratic candidate for the presidency of the USA in the fall. If he were to win his way to the White House, we can expect Bernie Sanders’ proposal ‘MEDICARE FOR...
What is formulary? How do they affect me? What happens if they change? Read all about Medicare Part D Formulary 2020 in this article. What are the formularies? In the context of Medicare drug plans (e.g. Prescription Drug plans, Medicare Advantage plans with drug...
In this article, we will answer these three questions but only you can take the necessary action. The Background of Medicare The essential aim of Medicare is to spread the cost of healthcare, especially in later life (65+), across the lifetime of the individual, the...
Did you check the Medicare star rating? If you are already enrolled in a Medicare plan you can sit back and relax! Or should you? Your insurer will already have advised you that your plan needed renewing by December 15th and, in many cases, will have re-enrolled you...
In this article, we suggest some questions you need to ask yourself about how to sign up for Medicare at age 65 and where to go for advice. Signing up for Medicare for the first time? You need to be sure of what you are signing up for. Medicare is the health insurance...
Are you entitled to enroll in a MEDICARE approved prescription drugs plan and haven’t? There are three vital questions to ask yourself. Do I need to enroll in a prescription drug plan?When should I enroll in a prescription drug plan?What type of plan is right...
This is the time to review the medicare advantage plans in 2020. If you already have Medicare Part A (hospital insurance) and Medicare Part B (medical insurance), the Original Medicare, you may choose to obtain your benefits by combining Part A and Part B to create...
You might think the medicare plans labeled Part A, Part B, Part C, and Part D would be as easy as ABC… If only! In this article, we try to reduce nearly 500 pages of legalese into some broad guidance and explain medicare for all. Read this article to...
The ‘WHICH Supplement?’ question may seem complex but there is a limited number of choices. Your health insurance exchange (or State Health Insurance Assistance Program aka SHIP) can advise you but, in general terms insurance companies can only sell...
Medicare is the health insurance coverage provided by the Federal government for: Senior citizens 65 or older and for younger people with certain defined disabilities and/or end stage kidney diseases. The Federal Government underwrites the health insurance program,...