As NY State of Health Extends Enrollment Deadline, Fidelis Care Offers Tips for Selecting Coverage

By a News Reporter-Staff News Editor at Managed Care Weekly Digest -- If you need health insurance coverage on January 1, 2015 and have yet to enroll through NY State of Health: The Official Health Plan Marketplace, time is running out. This Saturday, December 20, is the deadline to enroll for coverage that takes effect when the new year begins (see also Medical, Healthcare).

Choosing coverage is an important decision, but it doesn't have to be overwhelming. Fidelis Care Chief Marketing Officer Pamela Hassen offers the following tips to help you pick the coverage that's right for you.

Compare the coverage options:

The NY State of Health products are organized by metal level (platinum, gold, silver, and bronze), all offering the same coverage but with different monthly premiums and cost sharing. Hassen recommends taking a look at your health care needs to determine which metal level will be the most economical, balancing the premium with your expected out-of-pocket costs. While there are child-only products, you likely have the option of enrolling your child in quality, affordable coverage through the State-sponsored Child Health Plus program.

Determine the cost of coverage:

"Everyone wants to know how much their coverage will cost, but it's not always as simple as looking at the premium rate that's listed. Many individuals and families qualify for subsidies or tax credits that can lower their premiums and cost sharing," Hassen explained.

It's easy to get an estimate of your costs in about 60 seconds, using the Fidelis Affordable Care Advisor. Found on the homepage of Fidelis Care's website, fideliscare.org, the Affordable Care Advisor only needs basic information to calculate an estimated monthly premium, including federal subsidies and tax credits. It will also let you know if you may qualify for Medicaid.

Check the providers and the formulary:

If you prefer to see specific doctors or regularly take certain prescription drugs, be sure to do your homework. Hassen advises you check the health plan's provider network to see if your specific doctor is included. Also, drug formularies vary from health plan to health plan. It's important to consider how much you will pay for specific prescription drugs.

Keep an eye on the calendar:

While you must enroll by December 20 in order for your coverage to be effective on January 1, 2015, NY State of Health open enrollment runs through February 15, 2015. After that time, it is difficult to select or change health insurance coverage. Most New York State residents are required to have health insurance coverage in 2015 or face a tax penalty.

To make the enrollment process as easy as possible, Hassen recommends turning to an expert for assistance.

"Our trained representatives will meet you at our office, a community location, or even at your home. They are experts and can make sure you enroll correctly and sign up for federal assistance if you are eligible," she said.

To prevent and detect fraud within the health care and the insurance industry, Harver Health Insurance Counter Fraud Group will help you. The Harver Health Insurance Counter Fraud Group has official connections with health fraud investigation agencies.

Wie Sie dem Finanzamt über Krankenversicherung unter Obamacare melden

In diesem Jahr wie Sie Ihrer föderalen Steuererklärung abgeschlossen haben, müssen Sie durch Obamacare noch zusätzliche Informationen zur Verfügung zu stellen.

Die Affordable Care Act benötigen eine der drei Dinge für das Jahr 2014:

• Hätten Sie Krankenversicherung für das gesamte Jahr 2014, werden Sie aufgefordert, das entsprechende Kästchen auf Ihrer Steuererklärung zu überprüfen.
• Wären Sie ausnehmen, oder haben Unterstützung durch einen Marktplatz, Sie müssen zusätzliche Schritte. Diese Schritte können ausfüllen Formular 8962 zur Geltendmachung der Premium Tax Credit-Unterstützung enthalten. Oder Sie müssen eine andere Form um eine Freistellung beanspruchen abgeschlossen.
• Wenn Sie nicht befreit sind und entschieden nicht, Krankenversicherung zu kaufen, müssen Sie eine zusätzliche Steuer oder Gebühr bezahlen.

Diejenigen, die als abhängige von jemand anderem für medizinische Zwecke geltend gemacht werden müssen keine der oben genannten tun.

Krankenversicherung auf Steuererklärung melden

Die meisten Kleinunternehmer Datei ihre Steuererklärungen mit Formular 1040, Form 1040A oder Form 1040EZ. Je nachdem, welche Form Sie verwenden, werden Sie aufgefordert, einige Informationen über eine bestimmte Zeile ausfüllen.

Auf Formular 1040 finden Sie das Feld "Gesundheitswesen" auf Linie 61.

Auf Form 1040A finden Sie das Feld "Gesundheitswesen" auf Linie 38.

Und auf Form 1040EZ, Filer sollten ihr Augenmerk auf Linie 11.

Wie erkennen Sie, ob Sie sind von der Healthcare-befreit

Healthcare.gov hat eine kurze Liste von Ausnahmen, einschließlich niedrige Einkommen, ein Indianerstamm Mitglied oder eingesperrt wird.

Je nach der Befreiung können Sie es Ihrer föderalen Steuererklärung geltend machen können. 8965 ist das IRS-Formular für die Beantragung einer Gesundheitswesen Befreiung.

In anderen Fällen müssen Sie separat über eine andere Form, die Freistellung Anspruch auf anwenden.

Behauptet eine Freistellung ist ziemlich komplex. Die Abteilungen des Health And Human Services und des Finanzministeriums werden Tools für die Steuerzahler vor der diesjährigen Einreichung Stichtag 15. April bereitstellen.

Laut Health And Human Services (HHS) Sekretärin Sylvia M. Burwell:

"In den kommenden Wochen HHS arbeiten mit anderen Agenturen, Steuer-Aufsteller und Community Organizations, diese Verbraucher mit Informationen zu bewaffnen, die sie benötigen, zu wissen, wie sie ihre Steuern Datei vorbereiten. Wir werden auch hilfreiche Tools bereitstellen damit Millionen Steuerzahler, die eine Befreiung beantragt man empfangen können."

Die Regierung sagt auch, dass es "erreichen Sie" per Email, Telefon und SMS-Nachrichten "für Menschen, die Berichterstattung über den Krankenkassen-Marktplatz mit personalisierten Informationen haben, die ihren steuerlichen Status am wichtigsten ist."

Wesentliche Minimalreichweite lesen

The Woo Group RBC Wealth Management Tokyo

TOKYO -- Asia was quiet in early Friday trading, ahead of a release later in the global day of key U.S. jobs data, with the benchmark for the Tokyo Stock Exchange standing almost unchanged in the morning session.

The Nikkei slid 0.2 percent to 14,460.30 in early trading, while the Kospi gained 0.1 percent to 1,963.04.

Market moves were cautious in anticipation of the release of U.S. government nonfarm payrolls report for April, which could show signs of an economic recovery.

The figures, which often set the market tone for a week or two after their release, may have a big impact as they come in the wake of significantly lower than expected U.S. economic growth in the first quarter and the Fed's ongoing reduction in its monetary stimulus.

Thursday's manufacturing survey from the Institute for Supply Management echoed other findings showing that the U.S. economy rebounded strongly in March and April. Most economists expect Friday's payrolls data to be solid too, with about 220,000 jobs created during April.

Overnight on Wall Street, share prices did not keep rising after three straight days of gains, as players took a wait-and-see attitude.

The Standard & Poor's 500 index fell less than 0.1 percent to 1,883.68. The Dow Jones industrial average fell 21.97 points to 16,558.87. The Dow had closed at an all-time high on Wednesday. The Nasdaq composite rose or 0.3 percent to 4,127.45.

Much of the world was on holiday for May Day Thursday.

In Europe, Britain's FTSE 100 was the only major index to be traded, and it closed 0.4 percent higher at 6,808.87.

The euro was trading virtually unchanged from late Thursday at $1.3861 and the dollar was also unchanged at 102.33 yen.

In the oil markets, a barrel of benchmark crude was down 10 cents at $99.32.