Vol. 27 Issue 2
Get affordable health insurance today. ACT NOW! Have you recently lost your employer health insurance or do you anticipate losing it in the near future. If so, you may be able to get affordable insurance right now through the Affordable Care Act (Obamacare). Although the time to enroll in health insurance for most people is November 1 through December 15 each year, there are a few exceptions, called special enrollment periods, or SEPs . Most people who lose their employee sponsored health insurance will qualify for an SEP. However, individuals must enroll in a new health insurance plan within 60 days before or after they lose their employer insurance. Any licensed, certified health insurance agent, such as the ones pictured on page 3, can help you understand
all of the SEP details and enroll in a plan. 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, to be claimed as a dependent on tax returns, may be married and do not have to be enrolled in school). *Individuals will no longer be subject to exclusions for pre-
existing condition and cannot be denied coverage. Preventive care and medical screenings are covered innetwork at 100%, with no cost to you. *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 *Policies may only be rescinded for fraud or intentional misrepresentation on the part of the applicant.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
Founder/CEO SMSi Healthy Living Solutions,Inc.
Lafayette Jones
Publisher, Urban Call; SMSi-Urban Call Marketing, Inc. President & CEO
From our family to yours...
If the Coronavirus pandemic results in a 20% unemployment rate, as some analysts expect, 25 to 43 million people could lose their health insurance . People who lost or expect to lose their job-based health insurance may be eligible for coverage under the AFFORDABLE CARE ACT (Obamacare) based on an existing SPECIAL ENROLLMENT PERIOD (SEP) provision. Contact a certified licensed insurance agent to learn more.
Please refer to the income table on page 2 to find more information. Call: (336)759-7477 Email: SMJones@SMSi-Net.com For more information about SMSI Marketing, Urban Call Communications Companies and serving multicultural consumers, visit www.urbancallpodcast.com For a digital copy of Urban Call visit: Issuu.com/SMSiUrbanCallMarketing.com
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URBAN CALL — HEALTHY LIVING EVERY DAY!
Income figure key to lower insurance cost
Urban Call- Digital June/July 2020 page 2 Income Is Key Chart ( 5/10/20 10:00pm)
Household 100% 133% 138% 250% 400% Size 1 $12,760 $16,612 $17,236 $31,225 $51,040 2 $17,240 $22,490 $23,335 $42,275 $67,640 3 $21,720 $28,369 $29,435 $53,325 $85,320 4 $26,200 $34,248 $35,535 $64,375 $103,000 5 $30,680 $40,126 $41,634 $75,425 $120,680 6 $35,160 $46,005 $47,734 $86,475 $138,360 7 $39,640 $51,883 $53,834 $97,525 $156,040 8 $44,120 $57,762 $59,933 $108,575 $173,720 Forhouseholds householdswith withmore morethan than add $4,480 each additional person. For 8,8, add $4,480 forfor each additional person. Note: Eligibility for premium tax credits in coverage year 2020 is based on poverty guidelines for 2019.
Become an ACA Community Ambassador: Here are 4 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 2021, most people must secure health insurance between November 1, 2020, and December 15, 2020, although there are important exceptions, such as losing employer sponsored insurance . To get free help applying for health insurance call 336-759-7477.
2. Tell three people that the Affordable Care Act, sometimescalled Obamacare, is still alive and well. 3. Tell family and 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, 2019, deadline to get health insurance for 2020.