URBAN CALL — HEALTHY LIVING EVERY DAY!
ACT NOW! It’s not too late to get affordable health insurance Are you still looking for health insurance for yourself or your family? Do you want to change the plan you are on? Below are important dates to take note of in order to get covered for 2019:
Inside...
Income key to lower insurance cost
3 Steve Harvey
Mentoring Champions
Susan Taylor
Denzel Washington
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Preventive care and medical screenings are covered in-network at 100%, with no cost to you. This includes immunizations, U.S. Preventive Services Task Force-recommended services, and screenings for women, infants, children, and adolescents. *Annual dollar limits on essential benefits are eliminated. There are no lifetime dollar limits on essential benefits. *Policies may only be rescinded for fraud or intentional
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Diabetes Awareness & NC Get Covered
Willlona Stallings
With few exceptions, anyone who does not purchase a plan during the open enrollment period (Nov. 1- Dec. 15, 2018) will be “locked out”, unable to get health insurance coverage until 2020. Your health insurance agent can help identify valid exceptions.
The Affordable Care Act provides many benefits: Dependents may stay on their parents plan until age 26, (the law also states that “dependents” do not have to live with their parents, be claimed as a dependent on tax returns, may be married and do not have to be enrolled in school). Children under age 19 will no longer be subject to pre-existing condition waiting periods or exclusions and can’t be denied coverage.
Patti LaBelle
November 1, 2018: Open Enrollment begins. Apply for, keep, or change coverage. December 15, 2018: The last day to apply for 2019 coverage December 31: Coverage ends for 2018 plans. January 1: Coverage for 2019 plans begins.
misrepresentation on the part of the applicant. Americans are required to buy health insurance. For those who can’t afford it on their own, subsidies are available to people who meet eligibility criteria: *Premium subsidies will be provided to lower the amount of premium the individual or family must pay for their coverage on a month-to-month basis. *Cost-sharing assistance will limit out-of-pocket costs (i.e., deductibles, coinsurance or copayments) that would otherwise be charged at the point of service. In order to obtain health insurance subsidies an individual must be a citizen or national of the United States, or a lawfully present immigrant who files a tax return. If they are eligible for Medicaid or Medicare they generally will not need other insurance coverage.
Sandra Miller Jones
Segmented Marketing Services, Inc. Founder & CEO
Lafayette Jones
Publisher, Urban Call; SMSi-Urban Call Marketing, Inc. President & CEO
From our family to yours... It is a great pleasure to help more people have access to insurance through the Affordable Care Act. We know that health outcomes improve when access to appropriate medical care is available. We are happy that our SMSi Ambassadors will be out in the community helping people understand their new options. As always, our motto continues to be: Healthy Living Every Day!
Please refer to the income table on page 2 to find more information. Call: (336) 759-7477 E-mail: SMSiPartners@smsi-net.com For a digital copy of Urban Call visit: http://Issuu.com/SmsiUrbanCallMarketing.com
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Income figure key to lower insurance cost Subsidies will be available to low and middle income Americans purchasing insurance from a Health Insurance Marketplace (Exchange) based on household size, income and access to other affordable coverage.
In the chart below the Federal Poverty Level (FPL) for various household sizes is listed in the first column (100 percent). For example, a family of four whose income ranges from $25,100 to $117,680 may be eligible for
assistance. Those whose income is on the lower end of the scale will receive the most government assistance. After family income exceeds 400 percent of the poverty level, assistance is generally unavailable.
HOUSEHOLD SIZE
100%
138%
150%
200%
300%
400%
1 2 3 4 5 6
$12,140 $16,460 $20,780 $25,100 $29,420 $33,740 $4,320
$16,753 $22,715 $28,676 $34,638 $40,600 $46,561 $5,962
$18,210 $24,690 $31,170 $37,650 $44,130 $50,610 $6,480
$24,280 $32,920 $41,560 $50,200 $58,840 $67,480 $8,640
$36,420 $49,380 $62,340 $75,300 $88,260 $101,220 $12,960
$48,560 $65,840 $83,120 $100,400 $117,680 $134,960 $17,280
For each additional person add:
North Carolina Get Covered champions Affordable Healthcare
The SMSi Companies Corporate Offices 51 E. Fourth St., Suite 810 Winston Salem, N.C. 27101 Office: (336) 759-7477 Fax: (336) 941-3547
SMSi & Urban Call Community Outreach Office Goler CDC Center 899 North Liberty Street Winston Salem, NC 27101 Office: (336) 759-7477
Issuu.com/Smsiurbancallmarketing.com SegmentedMarketing.com n
SMSi-Urban Call Marketing, Inc. President and CEO; Urban Call Publisher: Lafayette Jones Executive Editor: Alan Cronk Editorial Director: Rose M. Walsh Production Manager: Jodi S. Sarver Financial Services: Wanda Courts Project Manager: Gerry Patton Archivist: Avis Patterson
National Sales Manager Donevan K. Cherry Warehouse and Shipping: Donevan K. Cherry Agent Ambassadors: Alvin Borders, Sharon Lyles, Talaya Loyd, Olivia J. Allen Yvette Canty and John Wall
Segmented Marketing Services, Inc. SMSi Founding Chair and CEO: Sandra Miller Jones National Project Manager: Constance Harris National Public Relations Manager: Tonya Monteiro
National Logistics Manager: Camille Allen Director, Operations: Tahnya Bowser Director, Financial Services: Roslyn Hickman
SMSi Community of Networks
Trust. Willona Stallings Among the is the director of organizations working NC Get Covered, with NC Get Covered a statewide, nonpartisan initiative to provide information and assistance on the that connects and Affordable Care Act are convenes more than the NC Association of 250 organizations Health Underwriters, and 700 individuals the UNC Department involved in the of Family Medicine, implementation Willona Stallings the NC Justice Center, of the Affordable Director, the Association of Care Act in North NC Get Covered Mexicans in NC, Carolina. The Inc., Legal Aid of initiative is supported by the Kate B. Reynolds Charitable NC and SMSI Marketing with
Glossary of terms Health Care Reform has its own language. Here are common terms: Copayment: A fixed dollar amount you may pay for a covered service at the time you receive it. Copayments can vary depending on the service. Deductible: The amount you owe for certain covered services during a benefit period before your health insurance begins to pay. Enrollment Period: Generally
Urban Call Publishing companies. With the help of these and other cooperating partners, over 500,000 North Carolina citizens now have affordable health insurance. Free assistance is available. To schedule dial 336-759-7477 or text 336-414-0905.
the only time to enroll in a health insurance plan or switch to a new plan. A few exceptions apply
health plan. Pregnancy and genetic information are not considered pre-existing conditions.
Health Insurance Marketplace: An online insurance marketplace where individuals can compare, shop for and buy qualified health insurance plans. Also known as an “Exchange.”
Premium: The amount paid to keep an insurance policy active. Premiums are separate from other health insurance out-of-pocket costs, like copayments, deductibles and coinsurance.
Pre-Existing Condition: A condition, disease, illness or injury for which medical advice, diagnosis, care or treatment was received or recommended within a specified time period prior to enrolling in
Subsidy: A tax credit or a cost-sharing reduction to assist individuals purchasing insurance. They are based on income levels, household size, and access to other affordable coverage.
URBAN CALL — HEALTHY LIVING EVERY DAY!
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Meet the ACA Licensed and Certified Agent Team Here is the team of experienced Agent Ambassadors who are available at no cost to help you get health insurance now and to be your agent year round. All team members are fully licensed by the state and certified by the federal government to provide expert assistance.
Constance Baker Harris (336) 965-4140 constance harris@live.com
Alvin Borders (336) 987-1256 bordersalvin@yahoo. com
Sandra Miller Jones (336) 414-0905 smjones@ smsi-net.com
Mentoring champions Susan L. Taylor notes that mentoring has the power to transform the young. Denzel Washington, actor author of the book, A Hand to Guide Me, has beewn a national spokesman for the Boys & Girls Club of America. Susan L. Taylor, editor in chief emeritus of Essence magazine and founder of the National CARES Mentoring Movement, Inc. Steve Harvey, entertainer and TV/ event host of Teen Disney Dreamers Academy.
Natalie Nicholson (336) 624-3183 natnic25@gmail. com
Sharon Lyles (336) 422-0224 SharonKayLyles@ gmail.com
Debra Shore (336) 813-2049 shoreweb@ bellsouth.net
Type 2 diabetes can be managed
Yvette Canty ycanty62@gmail. com 336-491-4552
Olivia Allen (336) 997-1859 apostleallen9@ gmail.com
John Wall (704) 905-4451 jfwall50@ hotmail.com
Talaya Loyd (336) 734-9196 taloyd5@gmail.com
Goodwill, Beauty World outreach for insurance sign-ups SMSi and Urban Call Marketing Partners, two minority-owned companies, have partnered with Goodwill Industries of Northwest North Carolina Inc. and Beauty World retail outlets in Forsyth County, Raleigh-Durham and Greenville to help people sign up for affordable health insurance. “Ultimately, our goal is to make sure those who want and need affordable insurance have it,” said Lafayette Jones, president of SMSiUrban Call Marketing and publisher of Urban Call (Issuu.com/Smsiurbancallmarketing.com).
Type 2 diabetes (formerly called adultonset diabetes) has increased 30 Singer LaBelle percent has diabetes and in the last enjoys good food. decade Her cookbook is and Patti LaBelle’s accounts Lite Cuisine. for 90 to 95 percent of the 16 million Americans with diabetes. Even more alarming, type 2 diabetes is being diagnosed more frequently in adolescents and young adults. Among people aged 30-39, diabetes increased a staggering 70 percent. AfricanAmericans are more than one and a half times as likely as whites to get diabetes. Scientific evidence shows that aggressive management of diabetes can significantly delay or prevent the serious complications of the disease — kidney failure, blindness, and toe, foot, or leg amputations. Controlling blood sugar levels also reduces risk for heart disease, the major killer of people with diabetes. For more information about controlling diabetes, call (800) 860-8747 or visit the National Diabetes Education Program website at ndep.nih.gov.
Become an ACA Community Ambassador: Here are 5 ways you can help 1. Place this announcement about the open enrollment deadline dates and help line on your Facebook, Twitter or other social media pages, or place it in your church bulletin: “In order to have health insurance in 2019, everyone must secure health insurance between November 1, 2018, and December 15, 2018. To get free help applying for health insurance call 336-4140905.” 2. Tell three people that the Affordable Care Act, sometimes
called Obamacare, is still alive and well! 3. Tell two friends who do not have insurance to call this number for free help — 336-759-7477. 4. Ask one of your club, lodge, sorority or fraternity members to help spread the word about the December 15, 2018, deadline to get health insurance for 2019. 5. Make sure your own family members have health insurance coverage for 2019.
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