HEALTH INSURANCE BOWLING GREEN, KY

Why Ingram for Health Insurance?

Ingram Insurance Company knows that in Kentucky and Tennessee, there are as many unique insurance needs as we have neighbors who live here! To talk with one of our helpful agents about your insurance needs today!

We are your headquarters for Obamacare and Healthcare.gov plans as well as plans off the exchange marketplace. We can assist customers with medical, dental, vision, and other supplemental health products through many different insurance companies. Below are some of the companies (but not all) we do business through.

If you have already started a Healthcare.gov application on your own, simply add us as your agent (at no additional cost) to allow us to service your health insurance policy.

                 
Household Size Medicaid 138%** 150%** 200%** KCHIP 250%** 400%**
100%
1 $12,140 $16,753 $18,210 $24,280 $26,465 $30,350 $48,560
2 $16,460 $22,715 $24,690 $32,920 $35,883 $41,150 $65,840
3 $20,780 $28,676 $31,170 $41,560 $45,300 $51,950 $83,120
4 $25,100 $34,638 $37,650 $50,200 $54,718 $62,750 $100,400
5 $29,420 $40,600 $44,130 $58,840 $64,135 $73,550 $117,680
6 $33,740 $46,561 $50,610 $67,480 $73,553 $84,350 $134,960
7 $38,060 $52,523 $57,090 $76,120 $82,971 $95,150 $152,240
8 $42,380 $58,484 $63,570 $84,760 $92,388 $105,950 $169,520

 

PRIVACY NOTICE STATEMENT
Ingram Insurance Company, LLC is Authorized to collect personally identifiable information (PII) from you by Healthcare.gov. Any PII we collect is used to apply for eligible subsidized ACA (Affordable Care Act) compliant health insurance plans within Healthcare.gov.
If you choose to give us PII, we may share this information with Healthcare.gov for determining eligibility in the health insurance marketplace. PII is used or disclosed only under the following circumstances; Determining eligibility for qualified health plans, advanced premium tax credits, and cost share reductions.
PII is a mandatory requirement for determining eligibility within Healthcare.gov. If you choose not to provide us with the PII request, or not to respond to certain questions, we will not be able to properly check your eligibility for subsidies and qualified health plans within Healthcare.gov.
You are also verifying that all of the PII is true and accurate to the best of your knowledge and that Ingram Insurance Company, LLC has consent to check your eligibility results based on this information.

The Trump Administration has finalized rules that will expand consumer access to short-term health plans and lengthen the duration of that coverage. Read more.

Your reasons to enroll haven’t changed

If you’re wondering whether it still makes sense to enroll, consider this:

  • You’re still required by law to have ACA-compliant health coverage. If you don’t, you could face the individual mandate penalty. Yes, the GOP tax bill included repeal of the individual mandate penalty, but that doesn’t take effect until 2019. People who are uninsured in 2018 will still face a penaltyCalculate your penalty.
  • Coverage is still guaranteed-issue, regardless of pre-existing conditions.
  • Premiums for older enrollees are still capped at no more than three times the premiums for younger enrollees.
  • All new major medical plans are still required to cover essential health benefits.
  • And the financial assistance provided by the ACA is still available, with premium subsidies that are larger than ever in most areas of the country.

Subsidies can still greatly reduce your plan costs

Depending on your household income, you may still be eligible for premium tax credits (aka, premium subsidies) and possibly cost-sharing reductions (CSR, aka, cost-sharing subsidies).

  • Premiums subsidies are still available in the exchange for people with income up to 400 percent of the poverty level. (For 2018 coverage, a single person can earn up to $48,240 and be eligible for the premium tax credit, and a family of four can earn up to $98,400). Calculate your subsidy. In 2017, 84 percent of exchange enrollees received premium subsidies that covered an average of two-thirds of the total premiums.
  • The only thing that has changed about premium subsidies for 2018 is that they’re larger than they were in 2017 in most areas, since average premiums increased and the subsidies grow to keep up with premiums.
  • Cost-sharing subsidies are also still available in 2018, even though the Trump Administration has eliminated funding for cost-sharing reductions. People with income up to 250 percent of the federal poverty level still have access to Silver plans with reduced out-of-pocket costs.

A few reminders about affordable coverage

Given the premium increases ahead for 2019, it’s essential for anyone who is eligible for premium tax credits – or who might be eligible with an income fluctuation later in the year – to enroll through the exchange if and when they have a special enrollment period. Don’t sign up for an off-exchange plan and miss out on the possibility of much more affordable premiums via a tax credit.

In general, the only people who should be enrolling off-exchange are those who are 100 percent certain that there is no way they will qualify for a premium tax credit during the year. Remember that you have an option to either have the premium tax credit paid directly to your insurer each month to offset the amount you have to pay in premiums, or you can pay full price for your coverage each month and claim the full premium tax credit when you file your tax return.

But either way, it’s only available if you enroll in a plan through the exchange. If you buy your plan off-exchange, there’s no way to claim the tax credit at the end of the year, even if your income ultimately ends up at a level that would have been subsidy-eligible.

Short-term health insurance as a temporary safety net

The Affordable Care Act has delivered health insurance for millions who were unable to find affordable coverage on the individual market in the past. And, while we strongly encourage our readers to take advantage of the comprehensive ACA-compliant coverage, we do recognize that there is a segment of the individual market population that is facing daunting rate increases. We realize that their coverage options may be limited.

Many consumers face unaffordable premiums – perhaps because they’re in the coverage gap or because their incomes make them ineligible for subsidies. Even consumers planning to buy an ACA-compliant plan during open enrollment may have to wait up to two months for the new plan to take effect. If they’re currently uninsured, a short-term plan can bridge that gap.

The good news is that there’s a wide range of short-term health coverage available that could provide a temporary safety net until you can find less expensive comprehensive coverage.

The new rule will make longer short-term coverage easier to buy

Consumers who are unable to afford ACA-compliant coverage can now purchase short-term coverage with a much longer duration. Federal regulation changes finalized this summer and announced this month will make it possible for many buyers to purchase a short-term plan with an initial duration of nearly a year – with renewal options that allow the plan to remain in force for three years.

A guide to individual and family health insurance

As much as we love the Affordable Care Act, we know as well as anyone that the individual health insurance market continues to be a source of confusion for many consumers.

Since 1994, this web site has been a guide for consumers seeking straightforward explanations about the workings of individual health insurance – also known as medical insurance. Within this site, you’ll find hundreds of articles loaded with straightforward explanations about health insurance – and the health law – all written by a team of respected health insurance experts.

Source: https://www.healthinsurance.org/

What is Health Insurance

Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly. It is often included in employer benefit packages as a means of enticing quality employees. The cost of health insurance premiums is deductible to the payer, and benefits received are tax-free.

BREAKING DOWN Health Insurance

Health insurance can be tricky to navigate. Managed care insurance plans require policyholders to receive care from a network of designated health care providers for the highest level of coverage. If patients seek care outside the network, they must pay a higher percentage of the cost. In some cases, the insurance company may even refuse payment outright for services obtained out of network. Many managed care plans require patients to choose a primary care physician who oversees the patient’s care and makes recommendations about treatment. Insurance companies may also deny coverage for services that were obtained without preauthorization. In addition, insurers may refuse payment for name brand drugs if a generic version or comparable medication is available at a lower cost.

 

Insurance plans with higher out-of-pocket costs generally have smaller monthly premiums than plans with low deductibles. When shopping for plans, individuals must weigh the benefits of lower monthly costs against the potential risk of large out-of-pocket expenses in the case of a major illness or accident. Health insurance has many cousins, such as disability insurance, critical (catastrophic) illness insurance and long-term care (LTC) insurance.

Affordable Care Act

In 2010, President Barack Obama signed the Patient Protection and Affordable Care Act into law. It prohibits insurance companies from denying coverage to patients with pre-existing conditions and allows children to remain on their parents’ insurance plan until they reach the age of 26. In participating states, the act also expanded Medicaid, a government program that provides medical care for individuals with very low incomes. In addition to these changes, the ACA established the federal Healthcare Marketplace. The marketplace helps individuals and businesses shop for quality insurance plans at affordable rates. Low-income individuals who sign up for insurance through the marketplace may qualify for subsidies to help bring down costs.

 

Americans are required to carry medical insurance that meets federally designated minimum standards or face a tax penalty. In certain cases, taxpayers may qualify for an exemption from the penalty if they were unable to obtain insurance due to financial hardship or other situations. Two public health insurance plans, Medicare and the Children’s Health Insurance Program, target older individuals and children, respectively. Medicare also serves people with certain disabilities. The program is available to anyone age 65 or older. The CHIP plan has income limits and covers babies and children up to the age of 18.

Call Today!
1-270-842-3322

 

 

Ingram Insurance
3251 Spring Hollow Ave
Bowling Green, KY 42104

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