“If you like your plan, you can keep it. If you like your doctor you can keep your doctor.” This is what President Obama ran his campaign on and won on. Enough of a majority believed him, why not he is the president of the United States. The problem was he didn’t know what he was talking about, or did he?
When President Obama was caught in this lie he made an announcement many of you may have seen on television a couple of weeks ago, that he didn’t know that Affordable Healthcare Act would force most off of their plans and said again, if you like you plan you can keep it. But he left it up to each State to interpret how that particular State wants to interpret this new statement.
Way to make the worst government train wreck that is already a complete mystery to most even more confusing Mr. President. Well the State of Nevada commissioner of Insurance Scott Kipper deferred the decision to the Attorney General for Nevada Catherine Mastos to make the decision. As excepted the Affordable Healthcare Act clearly states that a health insurance plan that does not contain the essential health benefits must change to an ACA complaint Plan by January 1, 2014 or when it comes up for renewal in 2014. Therefore the State of Nevada decided to stay the course and deny what the president said, “if you like your plan you can keep it.”
Essential Health Benefits are certain benefits that all QHPs must provide. The essential health benefits for Nevada include:
– ambulance services and care
– emergency service
– maternity and newborn care
– mental health and substance abuse disorder treatment
– prescription drugs
– rehabilitation and habilitation services and devices
– lab services
– preventive and wellness services and chronic disease support
– pediatric services, including dental and vision
Ironically every health plan in Nevada already had all of these elements except for pediatric dental and vision.
So what does all this mess mean to you? What every insurance company did to combat this is offer nearly every customer a opportunity to renew their plan health insurance plan in December of 2013 to they would have the opportunity to keep this plan until it comes up for renewal in December 2014 at a locked in rate. The HHS did their best to confuse Americans further by saying to not be fooled by these offers and sign up for a government insurance exchange plan and save money. Again another load of lies.
If this type of offer was extended to you I urge you to contact you insurance provider and ask them if it’s not too late to accept this offer. Why? Because it will open many more options for you in 2014. First off you can keep this plan until December next year at which time the ACA law will have a much clearer picture and you will be able to make a much more informed decision on which plan you want to go with. Secondly if you take this early renewal offer it does not lock you into keeping it if you want to make a change during this open enrollment period that extends all the way to March 31, 2014.
But what most people do not realize is that if they do not accept an early renewal and if their insurance plan comes up for renewal after the March 31st deadline they will be stuck with what ACA complaint plan their insurance company moves them into without the ability to choose a different company until 2014’s open enrollment period and effective date of January 1st.
The last day to enroll in a health insurance plan and be able to use it on January 1, 2014 has been extended to December 23, 2013.
If you intend to enroll between December 16 and December 23, 2013, please note that you may not receive a hard copy of your insurance card before January 1, 2014. However, you will still be able to access doctors and pharmacies, and use your health insurance on January 1, 2014. Health insurance cards will be mailed as quickly as possible.
Please note that this date change does not extend the open enrollment period. The last day to enroll in health insurance is still March 31, 2014. If you do not enroll in a health insurance plan by March 31, you will have to wait until the next open enrollment period in October.
I urge you to call an insurance profession broker to ask questions. Do not rely on asking questions by calling the Nevada Health Link exchange. These customer service folks are trying their best but they are not insurance professionals that have spent many years of continuing education requirements guiding clients about insurance. They are folks that received a few hours of training and basically know absolutely nothing. This is serious business and could cost you much more in insurance premiums if you wait. Have you had sticker shock with 2014 premiums yet?