In order to get a better sense of how premiums, deductibles, co-insurance, copayments, and out-of-pocket maximums come together for different health insurance options, this assignment will walk you through various scenarios of choosing a health plan in the new Health Insurance Marketplace implemented in 2014 as a result of the ACA. Please complete the assignment before our class on October 4th and bring a hard copy with you to class. You will need to refer to this during our class discussion and hand in the assignment in at the end of class.
\nGo to https:\/\/www.healthcare.gov\/see-plans to access the federal Health Insurance Marketplace website.
\nYou do not need to enter your email address.
\nFor each of the following scenarios, think about what it would be like to be the person in the scenario with the expected income and make a plan selection based on what you think would be the best plan for you. Record your information on the table provided.
\nGeorgia Scenario 1:
\nZip code = 30302; Select \u2018Fulton County\u2019
\nIndicate that you are the only person in your household
\nPerson #1 age = 27; select male or female; leave \u2018other information\u2019 blank
\nSelect \u2018continue\u2019 to confirm household members
\n2018 expected household income = $500
\nIs this person eligible for a premium tax credit or other savings?
\nSelect \u2018skip\u2019 when asked to indicate what level of medical care you anticipate using this year
\nSelect \u2018skip\u2019 when asked to enter information about your doctors, medical facilities and prescription drugs
\nSelect \u2018continue to plans\u2019 or \u2018skip to plan results\u2019 on next page and select \u2018see all plans\u2019
\nWhich plan would you choose? (You must select a plan.)
\nWhy? (Just a few sentences about what was most important in your decision.)
\nGeorgia Scenario 2:
\n(Same as Scenario 1 except expected income = $12,000)
\nZip code = 30302; Select \u2018Fulton County\u2019
\nIndicate that you are the only person in your household
\nPerson #1 age = 27; select male or female; leave \u2018other information\u2019 blank
\nSelect \u2018continue\u2019 to confirm household members
\n2018 expected household income = $12,000
\nIs this person eligible for a premium tax credit or other savings?
\nSelect \u2018skip\u2019 when asked to indicate what level of medical care you anticipate using this year
\nSelect \u2018skip\u2019 when asked to enter information about your doctors, medical facilities and prescription drugs
\nSelect \u2018continue to plans\u2019 or \u2018skip to plan results\u2019 on next page and select \u2018see all plans\u2019
\nWhich plan would you choose? (You must select a plan.)
\nWhy? (Just a short sentences about what was most important in your decision.)
\nGeorgia Scenario 3:
\n(Same as Scenario 1 except expected income = $28,000)
\nZip code = 30302; Select \u2018Fulton County\u2019
\nIndicate that you are the only person in your household
\nPerson #1 age = 27; select male or female; leave \u2018other information\u2019 blank
\nSelect \u2018continue\u2019 to confirm household members
\n2018 expected household income = $50,000
\nIs this person eligible for a premium tax credit or other savings?
\nSelect \u2018skip\u2019 when asked to indicate what level of medical care you anticipate using this year
\nSelect \u2018skip\u2019 when asked to enter information about your doctors, medical facilities and prescription drugs
\nSelect \u2018continue to plans\u2019 or \u2018skip to plan results\u2019 on next page and select \u2018see all plans\u2019
\nWhich plan would you choose? (You must select a plan.)
\nWhy? (Just a short few sentences about what was most important in your decision.)
\nRepeat these three scenarios for California, a state that has a state-based marketplace exchange and has expanded Medicaid. Use the same scenarios as above except change the state.
\nGo to http:\/\/www.coveredca.com\/
\nUnder the \u2018Shop and Compare\u2019 tab, select \u2018Shop and Compare Tool\u2019
\nEnter the household income ($500; $12,000; $28,000), zip code for San Francisco (94134) and age (27)
\nUnder the \u201cBreaking Down the Monthly Cost\u201d section:
\nIf the result is that you are eligible for Medicaid in that state (in California, called Medi-Cal, just put Medicaid in the \u201cPlan\u201d column and leave the remaining columns blank. (Do not navigate to the state\u2019s Medicaid enrollment.)
\nIf the result is that you qualify for health insurance through \u201cCovered California\u201d, select \u2018See My Options\u2019 and navigate through the various options (Bronze\/Silver, Gold\/Platinum and Minimum Coverage) before selecting one. Select \u2018View Details\u2019 and \u2018View Plan Benefits\u2019 on the next page to see specific information needed to complete the table.
\nWhich plan would you choose? (You must select a plan.)
\nWhy? (Just a short few sentences about what was most important in your decision.)
\nName(s):
\nGA Scenarios\tEligible for tax credits\/ other savings?\tPlan chosen\tWhy chosen?\tPremium\tDeductible\tOut-of-pocket max\tPrimary care visit\tSpecialist visit\tGeneric prescription\tER visit
\nGA scenario 1: 27, $500
\nGA scenario 2: 27, $12,000
\nGA scenario 4: 27, $28,000
\nCA Scenarios:\tEligible for tax credits\/ other savings?\tPlan chosen\tWhy chosen?\tPremium\tDeductible\tOut-of-pocket max\tPrimary care visit\tSpecialist visit\tGeneric prescription\tER visit
\nCA Scenario 1: 27, $500
\nCA Scenario 2: 27, $12,000
\nCA Scenario 4: 27, $28,000<\/p>\n","protected":false},"excerpt":{"rendered":"
In order to get a better sense of how premiums, deductibles, co-insurance, copayments, and out-of-pocket maximums come together for different health insurance options, this assignment will walk you through various scenarios of choosing a health plan in the new Health Read More …<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-432619","post","type-post","status-publish","format-standard","hentry","category-essay-paper-writing"],"_links":{"self":[{"href":"https:\/\/www.benedictsol.com\/blogs\/wp-json\/wp\/v2\/posts\/432619","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.benedictsol.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.benedictsol.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.benedictsol.com\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.benedictsol.com\/blogs\/wp-json\/wp\/v2\/comments?post=432619"}],"version-history":[{"count":0,"href":"https:\/\/www.benedictsol.com\/blogs\/wp-json\/wp\/v2\/posts\/432619\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.benedictsol.com\/blogs\/wp-json\/wp\/v2\/media?parent=432619"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.benedictsol.com\/blogs\/wp-json\/wp\/v2\/categories?post=432619"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.benedictsol.com\/blogs\/wp-json\/wp\/v2\/tags?post=432619"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}