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health_coverage.afp · 12,784 bytes · 25 structured fields · 1 page

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6559 0xD3EE9B PTX (Presentation Text Data) 6189 John Doe 4711 Any Street Any City, TX 12345 Continuing Health Coverage By now you should have received information from Insperity regarding the temporary continuation of group health plan coverage available to you under COBRA. As that letter explains, coverage options under COBRA are limited to those available to you under your group health plan. By enrolling in COBRA, you lose all employer subsidies and are required to pay 102% of the group health plan premium. But before you make that decision, you may want to consider other health coverage options that are available, including the following: Options What does this option mean? Key points Health Insurance Marketplace Visit www.healthcare.gov for more information and enrollment periods. The Marketplace, also known as the "exchange",was created by the Affordable Care Act and provides low cost coverage options with potential tax credits or subsidies based on income guidelines. All Marketplace plans offer coverage for essential health benefits and preventative services. Check Marketplace website for enrollment periods. Individual Health Insurance You may now purchase an individual insurance policy from an insurance carrier without being denied for pre-existing conditions. Consumers may select from hundreds of plan options for coverage that meet their needs. Coverage purchased outside the Marketplace is not eligible for a tax credit and/or subsidy. Medicare Visit www.medicare.gov for more information and enrollment periods. Medicare is the federal health insurance program for people who are 65 or older, certain yournger people with disabilities, and people with End-Stage Renal Disease (permanenet kidney failure requiring dialisys or a transplant, sometimes called ESRD). Consumers may select basic health coverage and add optional prescription and/or supplemental coverage. Understand what's right for you Evaluate your options more fully, based on your unique situation. Call 1-800-713-2859 to speak with a licensed customer service agent about your health coverage. Or visit them online at www.insurance.mercermarket.com .
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JohnDoe4711AnyStreet AnyCity,TX12345ContinuingHealthCoverageBynowyoushouldhavereceivedinformationfromInsperityregardingthetemporarycontinuationofgrouphealthplancoverageavailabletoyouunderCOBRA.Asthatletterexplains,coverageoptionsunderCOBRAarelimitedtothoseavailabletoyouunderyourgrouphealthplan.ByenrollinginCOBRA,youloseallemployersubsidiesandarerequiredtopay102%ofthegrouphealthplanpremium.Butbeforeyoumakethatdecision,youmaywanttoconsiderotherhealthcoverageoptionsthatareavailable,includingthefollowing:OptionsWhatdoesthisoptionmean?KeypointsHealthInsuranceMarketplaceVisitwww.healthcare.govformoreinformationandenrollmentperiods.TheMarketplace,alsoknownasthe"exchange",wascreatedbytheAffordableCareActandprovideslowcostcoverageoptionswithpotentialtaxcreditsorsubsidiesbasedonincomeguidelines.AllMarketplaceplansoffercoverageforessentialhealthbenefitsandpreventativeservices.CheckMarketplacewebsiteforenrollmentperiods.IndividualHealthInsuranceYoumaynowpurchaseanindividualinsurancepolicyfromaninsurancecarrierwithoutbeingdeniedforpre-existingconditions.Consumersmayselectfromhundredsofplanoptionsforcoveragethatmeettheirneeds.CoveragepurchasedoutsidetheMarketplaceisnoteligibleforataxcreditand/orsubsidy.MedicareVisitwww.medicare.govformoreinformationandenrollmentperiods.Medicareisthefederalhealthinsuranceprogramforpeoplewhoare65orolder,certainyourngerpeoplewithdisabilities,andpeoplewithEnd-StageRenalDisease(permanenetkidneyfailurerequiringdialisysoratransplant,sometimescalledESRD).Consumersmayselectbasichealthcoverageandaddoptionalprescriptionand/orsupplementalcoverage.Understandwhat'srightforyouEvaluateyouroptionsmorefully,basedonyouruniquesituation.Call1-800-713-2859tospeakwithalicensedcustomerserviceagentaboutyourhealthcoverage.Orvisitthemonlineat www.insurance.mercermarket.com.

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