What-is-HIPPA

HIPAA does much more than simply protect the privacy of your medical history; it also guarantees you the right to view your own medical records, which is a major innovation in health care. Here’s your quickie pocket guide to everything you need to know about HIPAA. What Do the Letters Stand For, Anyway? They stand for Health Insurance Portability and Accountability Act. First created in 1996, this evolving set of federal laws contains a Privacy Rule and a Security Rule. That may sound simple, but in fact HIPAA is a cluster of detailed regulations, and health care personnel have to…

Changes-to-report

Changes to report if you have a Marketplace plan

Let’s say you’re one of the nearly 13 million people who signed up for a plan through the Health Insurance Marketplaces during open or special enrollment. You completed your eligibility application with information that was true at the time. Then, several months later, your family moves to another house. You probably know you’ll need to report the change of address to the Marketplace, but what else do you need to report? Generally, you should report any changes that impact your family size, changes that affect your household income or changes to available health coverage. Why You Should Report Your Income…

Tips-to-be-an-informed-medical-consumer

You have some control over the quality of the medical care you receive. If you invest time in becoming a participant in your own treatment, rather than a passive recipient, you’ll experience better outcomes. Here are five basic tips to get you started: Don’t Keep Secrets From Your Doctor You may try to maintain a certain image with your boss, your neighbors or even your spouse – but you need to come clean with your doctor. If you actually hit the donut shop every morning instead of the gym, your doctor is the one who needs to know. That includes disclosing…

Taking-Advantage-of-Essential-Benefits

When you sign up for a Marketplace plan, one of the first steps you take is choosing your primary care provider (PCP). This practitioner is your ally, your first stop for all your nonemergency healthcare needs and usually your gateway to specialty care. Here are a few helpful questions you can ask yourself as you select PCPs for yourself and your family. What Does My PCP Do? Your PCP will diagnose and treat any common healthcare problems you may have and refer you to specialists as needed. He or she will coordinate your healthcare, maintain your medical records, conduct routine…

how-hawaiian-health-insurance-is-different

Hawaii residents shopped for Obamacare plans through the state-based health insurance exchange, Hawaii Health Connector, until the end of 2015. Now Hawaiians not insured through an employer can choose to shop for health insurance or check eligibility for programs like Medicaid through Healthcare.gov, the federal Health Insurance Marketplace. Hawaiian residents also can shop Marketplace plans via HealthSherpa. Though Hawaii switched to using the federal Marketplace, some state-specific differences related to health insurance remain: Higher Income Allowed A calculation called modified adjusted gross income (MAGI) is used to determine your eligibility for tax credits, premium assistance and QUEST, Hawaii’s version of…

Part-time-health-insurance-resources-offer

How You Benefit From Offering Health Insurance Resources to Part-Time Employees Attracting and retaining strong talent is a growing concern across every industry. In 2015, 62 percent of C-Suite executives identified this goal as a primary focus for the coming year, up from 45 percent in 2014. Employee benefits are front and center in this effort, as health care reform continues into its next phase. Often, however, some of the top talent you need to attract are freelance contract workers or part-time employees, and it’s essential that you don’t exclude them from the benefits conversation. Here’s the approach you can…

What-to-do-if-IRS-sends-notice-owe_ACA_pentalites

What to Do If the IRS Sends a Notice Indicating You Owe ACA Penalties

What to Do If the IRS Sends a Notice Indicating You Owe ACA Penalties The Affordable Care Act affected more than just health insurance options; the ACA also changed what you report on your tax returns and how much in taxes or penalties you owe. After the Internal Revenue Service processes your tax return, you might get a letter from the IRS. Find the number of the notice (beginning with “CP”) or letter (beginning with “LTR”) in the top right corner of the paper. If you see either CP14H or CP15H, keep reading for more information on why you received…