Can I be denied coverage for a pre-existing condition?
No — you cannot be denied coverage for a pre-existing condition. Under the Affordable Care Act (ACA), health insurance plans are required to cover all applicants, regardless of medical history. This means insurance companies cannot deny you coverage, charge you more, or refuse to cover treatment for any condition you had before your coverage started.
What is a metal tier?
All health insurance plans in the market are broken into four metal tiers: Bronze, Silver, Gold, and Platinum. These metal levels differ in how the costs of your healthcare are split between you and your insurance company. Generally speaking, plans with higher premiums have lower annual deductibles. Plans with lower monthly premiums tend to come […]
How can I make sure my prescriptions are covered?
Insurance plans typically classify drugs into tiers: Tier 1 to Tier 4. You can find more information on how much you will pay for each drugs in each tier in your plan’s Summary of Benefits. Tier 1 drugs are generally generic versions of brand name drugs and require the lowest copayment while Tier 4 drugs […]
How can I make sure my doctors are in-network?
During enrollment, you can use the BEN360 provider search to look up your preferred medical providers and exclude plans which they do not accept. We also always recommend that you verify which individual insurance plans your preferred medical provider accepts by calling their office or looking on their website. Your provider may sometimes list only group plans […]
What’s the difference between on-exchange and off-exchange plans?
When browsing health insurance plans in the app, check the labels next to each plan’s name to understand its type. Definitions: On-Exchange: BEN360 purchases this plan for you from the Health Insurance Marketplace (“Exchange”). Off-Exchange: BEN360 purchases this plan for you directly from insurance companies. On & Off-Exchange: This plan is available both on-exchange and off-exchange. You […]
What is a qualifying life event?
A qualifying life event is a change in your situation, like getting married, having a baby, or losing health coverage. Specific qualifying events include: Changes in household You may qualify for a Special Enrollment Period if in the past 60 days you or anyone in your household: Got married. Pick a plan by the last day of the […]