Do I Have to Enroll in Medicare? How?

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For most people, Medicare begins on the first day of the month in which you turn 65. So if your 65th birthday is September 19th, your Medicare coverage will take effect on September 1.

(Note: Medicare is available to people under the age of 65 in certain circumstances, such as those receiving Social Security disability benefits. …

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How to Get Health Insurance Outside Open Enrollment

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We still routinely get calls from people who need to get health insurance but are not aware that Obamacare plans simply aren’t available all year.

Often these people would have qualified for a special enrollment period due to moving or losing employer-based coverage, but the 60-day window has closed. What are your options?

Short-Term Health Insurance

The only …

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What’s the cheapest way to avoid the Obamacare penalty?

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The Obamacare penalty is still on the books for 2018.

Though recent legislation has repealed the much-discussed “individual mandate” from the Affordable Care Act, that repeal is set to take effect in 2019. That means that the penalty for not having ACA-compliant health coverage is still on the books for 2018.

How much is the Obamacare penalty?

Your …

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How to Find Your BCBS South Carolina Digital ID Card

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BlueCross BlueShield of South Carolina has added a useful feature for policyholders: a digital ID card.

In addition to the plastic card that is mailed to subscribers, you can access and save a digital version for easy reference and to use as a backup. You can easily access your digital ID card on a smartphone or a …

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2018 Medicare Changes

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Certain aspects of Medicare coverage change each year. Below is a quick summary of the main changes to Medicare coverage in 2018:

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Popular 2018 Obamacare Plans in South Carolina

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BlueCross BlueShield is (again) the only insurance company offering health insurance plans on the Obamacare Marketplace in South Carolina for 2018.

But there are a lot of plans to choose from. Which one is best?

Everyone’s situation is different, so there’s not going to be one plan that’s best for everyone. But here is a quick profile …

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Is there free health insurance in Obamacare?

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The consumer experience of Obamacare runs the gamut from those getting an unbelievably great deal to those who are paying ridiculously high prices for very high deductibles.

But the question sometimes comes up: Is there free health insurance in Obamacare?

The answer is… yes, there are some plans that wind up being free for some people.

Premium Tax …

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What You Need to Know for Open Enrollment 2018

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Despite all the political rumblings, the Affordable Care Act (Obamacare) is still going, and it’s time to get ready for 2018.

Here’s what you need to know for Obamacare Open Enrollment:

* Open Enrollment is November 1 to December 15. These dates apply to plans on the Obamacare Marketplace and those off the exchange. In the past it has …

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Trump Cuts Off Cost-Sharing Reductions for Obamacare. What Does That Mean?

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Late last week the Trump administration announced they will stop funding the “cost-sharing reduction” subsidies in the Affordable Care Act.

So what does that actually mean? What impact will it have on you? (Again, we’re avoiding politics here, to be clear!)

What are cost-sharing reductions?

In the Affordable Care Act, there are two types of subsidy payments that …

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What Does Trump’s Executive Order Mean for Short-Term Health Insurance?

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There’s a lot of buzz today about President Trump’s executive order on health care and the Affordable Care Act.

We want to steer clear of the politics.

Much of what’s included in the executive order won’t have much immediate impact because it will take a long time to be implemented. So we’ll talk about association health plans …

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