hosting hosting images hosting minecraft server hosting definition hosting on twitch hosting jobs hosting game hosting 2022 world cup hosting godaddy hosting on godaddy hosting name hosting emails hosting job description hosting synonym hosting domain hosting on google hosting in spanish hosting bros hosting meaning hosting olympics hosting india hoisting javascript hosting 5 hosting services hosting on aws hosting sites hosting domain name hosting website on aws hosting unturned server hosting gif hosting provider hosting 24 hosting wordpress on aws hosting lookup hosting en espaƱol hosting email server hosting rocket hosting email xo hosting vs server hosting vs domain hosting name server hosting services inc hosting url hosting the presence hosting game night hosting plans hosting with free ssl hosting reviews hosting wordpress hosting enable php zip hosting gratis hosting web hosting node js app hosting free hosting jupyter notebooks hosting reseller hosting mexico hosting nation hosting login hosting your own minecraft server hosting 365 hosting packages hosting script hosting html website hosting uk hosting space hosting dude hosting your own baby shower hosting 9 hosting vector hosting your website hosting options hosting your own domain hosting panel hosting speed test hosting finder hosting information hosting your own git server hosting info hosting ireland hosting you hosting us meaning hosting java web application hosting your own dns hosting quotes hosting kf2 server hosting hindi meaning hosting meaning in hindi hosting japanese students hosting history hosting speed hosting his presence hosting xbox ark server on pc hosting provider check hosting xyz hosting venezuela hosting direct hosting news hosting ukraine llc hosting trial 30 days hosting 50th birthday party hosting 40th birthday party hosting 1 dollar hosting kenya hosting 99.99 uptime hosting bangladesh hosting zdarma hosting gratis 2018 hosting 1 year hosting free vietnam 8x8 hosting hosting bd hosting free wordpress hosting ukraine hosting html template hosting machine hosting 360 images hosting 110 hosting 2 websites on one server hosting europe hosting ecuador hosting z hosting 1and1 8m hosting hosting 365 webmail hosting unlimited murah hosting xml file hosting 99 hosting 4 u hosting meaning in urdu hosting 022 hosting 2 go hosting 4 less login hosting 5 archangels hosting 500 internal server error hosting 71st tony awards hosting 80th birthday party hosting 90 hosting bay hosting bg hosting firebase hosting hobart hosting in hindi hosting keywords hosting kz hosting lotus hosting meaning in marathi hosting xampp online 040hosting 6 degrees hosting 890m hosting hosting 0.01 hosting 7th birthday party hosting raja hosting raja review hosting us for dinner hosting zagreb


hotel hotel di bandung hotel di jogja hotel di malang hotel murah di bali hotel terdekat hotel di surabaya hotel murah di bandung hotel di bogor hotel di bali hotel murah di jogja hotel di semarang hotel bandung hotel murah di jakarta hotel di solo hotel murah hotel jogja hotel di puncak hotel amaris hotel alexis hotel california chord hotel bogor hotel jakarta hotel semarang hotel surabaya hotel murah di surabaya hotel yogyakarta hotel santika hotel murah di bogor hotel murah di semarang hotel murah di malang hotel solo hotel borobudur hotel seruni hotel puncak hotel pangandaran hotel cirebon hotel tentrem hotel lembang hotel kuta bali hotel red planet hotel lor in solo hotel horison bandung hotel westin hotel bintang 5 di jakarta hotel purwokerto hotel jakarta selatan hotel neo malioboro hotel golden tulip hotel whiz hotel horison hotel ibis bandung hotel kempinski hotel tangerang hotel 88 surabaya hotel harris malang hotel lombok hotel alila solo hotel padang hotel zest hotel 88 hotel tugu malang hotel king hotel california mp3 hotel anyer hotel ciputra semarang hotel taman safari hotel kediri hotel california bandung hotel kapsul bandung hotel royal bogor hotel seruni bogor hotel quickly hotel jakarta barat hotel ubud hotel horison jogja hotel narita hotel grand cempaka hotel rancamaya hotel lampung hotel ibis surabaya hotel novotel hotel kaisar hotel karawang hotel jepara hotel jember hotel 101 malang hotel fairmont jakarta hotel grand zuri hotel aston semarang hotel yellow hotel garuda hotel four point hotel yamato hotel vasa surabaya hotel oval surabaya hotel pandanaran jogja hotel neo semarang hotel 101 palembang hotel horison lampung hotel kudus hotel grandhika hotel 101 hotel ibis jogja hotel ibis malioboro hotel ibis semarang hotel adalah hotel 88 bekasi hotel grand kemang hotel 88 tendean hotel quest semarang hotel ibis padang hotel 99 hotel 626 hotel 88 bandung hotel olive hotel garuda medan hotel lombok raya hotel unik di bali hotel quest surabaya hotel olympic hotel orchid hotel zurich balikpapan hotel regina pemalang hotel fave jakarta hotel 678 hotel zam zam hotel yang ada kolam renang hotel 1001 hotel verse cirebon hotel 95 pontianak hotel omnia bali hotel fatma jombang hotel utami hotel fave bandung hotel yusro jombang hotel yehezkiel hotel zest bandung hotel eden bali hotel fave palembang hotel zodiak hotel quest bali hotel 100 ribu di tangerang hotel viva kediri hotel quality manado hotel zoom surabaya hotel zuri express hotel erlangga purwokerto hotel 01 batam hotel 48 palur hotel edelweis hotel emerald garden hotel quest hotel quest balikpapan hotel 99 sumbawa hotel zuri hotel yello bandung hotel 55 hotel 95 hotel 101 oj malang hotel 777 batam hotel 99 tbk hotel xtra bengkulu hotel 55 internasional hotel 21 hotel 2000 pontianak hotel 7 days hotel 77 poso hotel 300 ribuan di jogja hotel 01 batam center hotel 7 days premium hotel 55 internasional jakarta hotel 48 jaten hotel 77 hotel 24 jam hotel 55 jakarta pusat hotel xperia makassar hotel x one palembang hotel 200 ribuan di malang hotel 308 hotel 400 ribuan di jogja hotel 01 batam review hotel 02 bekasi hotel 4play jakarta hotel 4 lantai hotel 4848 hotel 22 sosok hotel 300 ribuan di malang hotel 02 jambi hotel xtrans cihampelas hotel 48 solo
Kisah Haru dari Seorang Istri Asal Desa; Ada Janda di Balik Suami Yang Mesra

Kisah Haru dari Seorang Istri Asal Desa; Ada Janda di Balik Suami Yang Mesra

Kisah Haru dari Seorang Istri Asal Desa; Ada Janda di Balik Suami Yang Mesra



In early 2010, President Obama signed into law the Affordable Care Act (ACA), designed to expand access to healthcare coverage to millions of Americans. Some of the changes included new taxes and fees, and increased benefits known as Essential Health Benefits. These benefits are the minimum requirements for all health plans – whether you get health insurance through your employer, buy it directly from an insurance company, with the help of an agent or broker, or sign up through the Health Insurance Marketplace. While certain plans will offer additional coverage, none can offer less. Essential Health Benefits include: Addiction treatment Ambulatory patient services Care for newborns and children Chronic disease treatment (such as diabetes and asthma) Emergency services Hospitalization Laboratory services Maternity care Mental health services Occupational and physical therapy Prescription medications Preventive and wellness services (such as vaccines and cancer screenings) Speech-language therapy What ACA Insurance Will Cost You Now that the ACA is into its third year, premiums for the second lowest-tier plan, the silver plan (see 5 Things You Should Know About the Health Insurance Marketplace), are expected to rise roughly 7.5% on average in the 36 states that rely on the HealthCare.gov marketplace. In some states, however, rates could rise considerably more. For example, Blue Cross and Blue Shield of Minnesota will go up 49% and BlueCross BlueShield of Tennessee will go up 36%, according to The New York Times. Despite rising costs, many individuals and families will qualify for the two federal subsidies built into the plan to help lower health insurance costs for lower-income Americans: Cost-Sharing Reductions and Advanced Premium Tax Credits. The only way to take advantage of these subsidies is to purchase a plan through the Marketplace (check out www.healthcare.gov for more information). In addition, the expanded Medicaid program will continue to enable more people to qualify for free or low-cost care. The Health Insurance Marketplace In order to qualify for Cost-Sharing Reductions and Advanced Premium Tax Credits, you must purchase coverage through the Health Insurance Marketplace, either through HealthCare.gov or through your own state's exchange. In these Marketplaces private health insurance companies – including big names such as Blue Cross, Cigna, Humana and Kaiser – offer a variety of healthcare plans, separated into four “metallic” levels: Bronze, Silver, Gold and Platinum. The level determines the average percentage that the plan will pay towards your healthcare services: Plan Level What the Plan Pays Bronze 60% Silver 70% Gold 80% Platinum 90% Bronze plans, for example, provide the lowest level of coverage (60%) but this level also have the lowest premiums – the amount that you pay each month to buy the plan. As the plan level increases (from Bronze > Silver > Gold > Platinum) so does the coverage – and your monthly premium. Even within the same metallic level – Silver, for example – you will still have a number of coverage options from which to choose. These options affect both your premiums and out-of-pocket costs for deductibles, copayments and coinsurance. Compare these two hypothetical plans for a 35-year-old non-smoker: Silver Plan “A” Silver Plan “B” Premium (annual) $5,836 $3,408 Deductible $500 $3,500 Copayment $25 $40 Coinsurance 20% after deductible 30% after deductible As the table shows, Plan A will cost you more up front for your monthly deductible, but your out-of-pocket expenses will be much lower. Conversely, Plan B will cost less each month, but you will pay more for healthcare expenses because of the higher deductible, copayment and coinsurance amounts. Cost-Sharing Reductions Depending on your modified gross adjusted income (MAGI) and family size, you may be eligible for subsidies to reduce your healthcare costs. The Cost-Sharing Reduction is a discount available on Silver plans only; it can help lower your out-of-pocket costs for: Deductibles – the amount you owe for covered services before insurance kicks in; Copayments – a fixed amount you pay for a covered healthcare service; and Coinsurance – your share of the costs of a covered healthcare service. As an example, say you visit the doctor and are charged $100. With your particular Silver plan, you normally have a co-pay of $25. Because you qualify for Cost-Sharing Reductions and you chose a Silver plan through the Marketplace, however, your co-pay may be as low as $5. Similarly, if your plan has a $3,500 deductible, it may be lowered to $500 with Cost-Sharing Reductions. Essentially, you pay for a Silver plan, but receive the increased coverage of a higher metallic level plan, which reduces your out-of-pocket expenses. Cost-Sharing Reductions are available only to people: Who are ineligible for public coverage [e.g. Medicaid, Children’s Health Insurance Program (CHIP)] Who are unable to get qualified health insurance through an employer, and Whose incomes fall between 100 and 250% of the Federal Poverty Level (FPL): Family Size 100% FPL 250% FPL 1 $11,770 $29,425 2 $15,930 $39,825 3 $20,090 $50,225 4 $24,250 $60,625 5 $28,410 $71,025 6 $32,570 $81,425 7 $36,730 $91,825 8 $40,890 $102,225 Tip: In order to receive Cost-Sharing Reductions, you must enroll in a Silver plan through the Health Insurance Marketplace and apply for the subsidy. And it’s important to note, the cost-sharing subsidies only apply to in-network expenses, so you have to be mindful about where you receive healthcare. Advanced Premium Tax Credits Many people are expected to qualify for Advanced Premium Tax Credits, a type of subsidy that lowers monthly premiums. Like the Cost-Sharing Reductions, you must be ineligible for public coverage and unable to get qualified health insurance through an employer in order to qualify for Advanced Premium Tax Credits. While you can choose any metallic level plan in the Marketplace, your income must fall between 100 and 400% of the Federal Poverty Level: Family Size 100% FPL 400% FPL 1 $11,770 $47,080 2 $15,930 $63,720 3 $20,090 $80,360 4 $24,250 $97,000 5 $28,410 $113,640 6 $32,570 $130,280 7 $36,730 $146,920 8 $40,890 $160,360 Advanced Premium Tax Credits are sent directly from the government to your health insurer to reduce your monthly premium. If you qualify, you can decide how much advance credit payments will be applied to your premium each month – up to a maximum amount. You will receive a refundable credit when you file your federal income tax return if the amount of advance credit payments is less than the tax credit you should have received. Conversely, you will have to repay any excess advance payments with your tax return if your advance payments for the year are more than the amount of your credit. The Kaiser Family Foundation calculator is an online tool that shows the subsidy you might receive based on your expected 2016 income, the number of adults and children enrolling in coverage, age, family size and tobacco use (many states impose a premium surcharge on smokers). Using the calculator, a family of four – two non-smoking adults (both age 25) and two children – with a family income of $50,000 could receive a tax credit subsidy up to 61% of their overall premium. In this example, an unsubsidized annual health insurance premium at the Silver level might be $8,495, of which $3,340 would be paid by the family and $5,155 (61%) would be covered through Advanced Premium Tax Credits. Tip: In order to receive this subsidy, you must apply for Advanced Premium Tax Credits on the Health Insurance Marketplace. This subsidy is not automatic. If you qualify, you can take advantage of both Cost-Sharing Reductions and Advanced Premium Tax Credits to reduce both your monthly premium and out-of-pocket costs. Catastrophic Coverage A catastrophic health plan doesn’t cover any benefits other than three primary-care visits per year before the deductible for the plan is met (like other plans, catastrophic plans also cover preventive services at no cost to you). The premium you pay each month should be considerably lower than for other plans, but the out-of-pocket costs (deductibles, copayments and coinsurance) are generally much higher. You may be eligible for a catastrophic plan if you are less than 30 years old or if you qualify for a “hardship exemption,” because you are considered unable to afford health coverage (this is determined during the application process and is based on your family size and income). When you fill out an application on the Health Insurance Marketplace, you will see catastrophic plans listed among your plan options only if you qualify for them. If you do qualify for and choose a catastrophic plan, you will not be eligible for either Cost-Sharing Reductions or Advanced Premium Tax Credits. Medicaid Depending on your income and family size, you may qualify for Medicaid, a program that provides health coverage for eligible: Low-income individuals, families and children Pregnant women The elderly People with disabilities Each state has its own rules about who qualifies for Medicaid. Under the Affordable Care Act, Medicaid eligibility expanded in many states, and an increased number of people qualified for benefits. If you are eligible, you can get free or low-cost coverage and you won’t need to buy a Marketplace plan. Many states also have a separate program – the Children’s Health Insurance Program (CHIP) – which provides health insurance for uninsured children in low-income families who do not qualify for Medicaid but cannot afford private coverage. You can fill out an application on the Health Insurance Marketplace to find out if you are eligible for Medicaid or CHIP benefits. You can also visit your state’s Medicaid website to apply and find out if you qualify. Penalties In 2014, when the plan first went into effect, individuals and families who could afford health insurance (based on family size, income and the cost of plans available to them) but didn't get coverage owed a fee of 1% of their annual income or $95 per person ($47.50 per child under 18), whichever was higher. The fee for 2016 increases to 2.5% of one's annual income or $695 per person (($347.50 per child), whichever is higher. In addition to the penalty, it is important to consider that without insurance you will also be responsible for 100% of your healthcare costs. Many people will find they are eligible for money-saving subsidies if they purchase coverage through the Health Insurance Marketplace, making health insurance significantly more affordable than expected. Medical expenses is the biggest reason Americans go bankrupt, according to a Harvard University study (see Top 5 Reasons Why People Go Bankrupt). The Bottom Line Many individuals and families will be able to compare and purchase their 2016 health coverage through the Health Insurance Marketplace, starting November 1. After you fill out an application, you can see if you qualify for Medicaid, CHIP, Cost-Sharing Reductions and/or Advanced Premium Tax Credits. You will also find out if you are eligible for a catastrophic plan that charges lower premiums but higher out-of-pocket costs. In addition to Essential Health Benefits, all Marketplace and many other health plans must cover a set of preventive services such as shots and screening tests at no cost to you, meaning you will not have to pay a copayment or coinsurance. This is true even if you haven’t met your annual deductible. Preventive services include (but are not limited to): Alcohol misuse screening and counseling Blood pressure screening Cholesterol screening Colorectal cancer screening Depression screening Diabetes (Type 2) screening Diet counseling HIV screening Immunization vaccines Obesity screening To find additional information regarding the Health Insurance Marketplace and subsidies, as well as state-specific information and how to apply in your state: Visit www.healthcare.gov Call 1-800-318-2596 Follow twitter.com/HealthCareGov Contact your current health insurance company

No comments

baru

Advertiser