{"id":1384,"date":"2017-06-16T18:25:12","date_gmt":"2017-06-16T18:25:12","guid":{"rendered":"https:\/\/www.simplyinsured.com\/advice\/?page_id=1384"},"modified":"2017-11-15T20:13:32","modified_gmt":"2017-11-15T20:13:32","slug":"health-insurance-101","status":"publish","type":"post","link":"https:\/\/www.simplyinsured.com\/advice\/2017\/06\/16\/health-insurance-101","title":{"rendered":"Health Insurance 101: Frequently Asked Questions"},"content":{"rendered":"<p style=\"font-weight: 500;\">We\u2019ve assembled the most commonly asked questions for those new to group health insurance.<\/p>\n<p style=\"font-weight: 500;\">Can\u2019t find the answer to your question? Call us at (888) 584-9220 or email us at support@simplyinsured.com.<\/p>\n<p style=\"font-weight: 500;\">Ready to get an instant quote and enroll in a great plan? Get started <a href=\"http:\/\/simplyinsured.com\">here<\/a>.<\/p>\n<h3>Small Group Health Insurance<\/h3>\n<div id=\"accordions-1379\" class=\"accordions-1379 accordions\">\r\n                <style type='text\/css'>\r\n        @media only screen and (min-width: 1024px ){\r\n            #accordions-1379 {\r\n                            width: 100%;\r\n                        }\r\n        }\r\n        @media only screen and ( min-width: 768px ) and ( max-width: 1023px ) {\r\n            #accordions-1379 {\r\n                            width: 100%;\r\n                        }\r\n        }\r\n        @media only screen and ( min-width: 0px ) and ( max-width: 767px ){\r\n            #accordions-1379 {\r\n                            width: 100%;\r\n                        }\r\n        }\r\n        #accordions-1379 {\r\n                            text-align: left;\r\n                                                position: relative;\r\n        }\r\n        #accordions-1379 .accordions-head{\r\n                    background:#0093c2 none repeat scroll 0 0;\r\n                                    outline: none;\r\n        }\r\n        #accordions-1379 .accordions-head-title{\r\n                            color:#ffffff;\r\n                            font-size:18px;\r\n                }\r\n        #accordions-1379 .accordions-head-title-toggle{\r\n                    color:#ffffff;\r\n                            font-size:18px;\r\n                }\r\n        #accordions-1379 .accordions-head:hover .accordions-head-title{\r\n                    color:#ffffff;\r\n                }\r\n        #accordions-1379 .ui-state-active{\r\n                    background: #0093c2;\r\n                    border: none;\r\n        }\r\n        #accordions-1379 .accordion-content{\r\n                                    color:#333333;\r\n                            font-size:14px;\r\n                                    border: none;\r\n        }\r\n        #accordions-1379 .accordion-icons{\r\n                        color:#ffffff;\r\n                                    font-size:18px;\r\n                                                            margin:0px;\r\n                    }\r\n        #accordions-1379 .accordions-head:hover .accordion-icons span{\r\n                    }\r\n        #accordions-1379{}\r\n#accordions-1379 .accordions-head{}\r\n#accordions-1379 .accordion-content{}    <\/style>\r\n    <div class=\"items\">\r\n                        <div post_id=\"1379\" itemcount=\"0\" header_id=\"header-1497571332859\" id=\"header-1497571332859\" style=\"\" class=\"accordions-head head1497571332859 border-none\" toggle-text=\"\" main-text=\"What is group health insurance?\">\r\n                                            <span id=\"accordion-icons-1497571332859\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497571332859\" class=\"accordions-head-title\">What is group health insurance?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497571332859 \">\r\n                    <p><span style=\"font-weight: 400;\">Group health insurance refers to a medical policy issued to a group (typically a business with W2 employees, although there are other kinds of groups that can get coverage) that covers all eligible employees and sometimes their dependents.<\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1379\" itemcount=\"1\" header_id=\"header-1497571333791\" id=\"header-1497571333791\" style=\"\" class=\"accordions-head head1497571333791 border-none\" toggle-text=\"\" main-text=\"Am I eligible for small group health insurance?\">\r\n                                            <span id=\"accordion-icons-1497571333791\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497571333791\" class=\"accordions-head-title\">Am I eligible for small group health insurance?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497571333791 \">\r\n                    <p><span style=\"font-weight: 400;\">Small groups are definitely eligible for group insurance if:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">There are at least two people in the company<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">At least one of those two people is a W2 employee<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The group does NOT consistent of only a husband and wife.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">If you are looking for a small business health plan for you and your spouse only, you may still be eligible if you live in the following states: Washington, California, Texas<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can start group insurance as long as you meet eligibility even if not all your employees need insurance.<\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1379\" itemcount=\"2\" header_id=\"header-1497571333994\" id=\"header-1497571333994\" style=\"\" class=\"accordions-head head1497571333994 border-none\" toggle-text=\"\" main-text=\"What is the advantage of group insurance versus individual insurance plans?\">\r\n                                            <span id=\"accordion-icons-1497571333994\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497571333994\" class=\"accordions-head-title\">What is the advantage of group insurance versus individual insurance plans?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497571333994 \">\r\n                    <p><span style=\"font-weight: 400;\">Group insurance is pre-tax, which means you can offer this employee benefit and have it exempt from employer and employee taxes. This usually means a 30-40% tax benefit on the cost of insurance. See<a href=\"https:\/\/www.simplyinsured.com\/advice\/2017\/02\/08\/healthcare-tax-deductions-credits-101\/\"> this article<\/a> for more information.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">SimplyInsured will ensure you file all the proper forms to have group insurance premiums be tax-deductible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Individual insurance, by contrast, provides no tax benefits and must be paid for with post-tax money.<\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1379\" itemcount=\"3\" header_id=\"header-1509135001799\" id=\"header-1509135001799\" style=\"\" class=\"accordions-head head1509135001799 border-none\" toggle-text=\"\" main-text=\"I have an individual ACA plan. Can I cancel and move to group insurance? \">\r\n                                            <span id=\"accordion-icons-1509135001799\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509135001799\" class=\"accordions-head-title\">I have an individual ACA plan. Can I cancel and move to group insurance? <\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509135001799 \">\r\n                    <p>Yes, you can cancel individual insurance at any time and switch to a small business plan since small business insurance can start any month of the year.<\/p>\n<p>You are not required to wait until open enrollment to enroll on group insurance or leave your individual insurance.<\/p>\n                <\/div>\r\n                                <div post_id=\"1379\" itemcount=\"4\" header_id=\"header-1497635059479\" id=\"header-1497635059479\" style=\"\" class=\"accordions-head head1497635059479 border-none\" toggle-text=\"\" main-text=\"I found a plan I want. How do I apply for group insurance?\">\r\n                                            <span id=\"accordion-icons-1497635059479\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635059479\" class=\"accordions-head-title\">I found a plan I want. How do I apply for group insurance?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635059479 \">\r\n                    <p><span style=\"font-weight: 400;\">Applying for group insurance is easy on SimplyInsured!<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Click \"Start Application\" on the plan you wish to purchase for your company<\/span><\/li>\n<li style=\"font-weight: 400;\">Walk through the application steps on our website as directed. This should take about 10-15 minutes.<\/li>\n<li style=\"font-weight: 400;\">Once you're finished with the application, we'll submit it to the insurance company. You should be approved within 7-14 business days.<\/li>\n<\/ol>\n                <\/div>\r\n                                <div post_id=\"1379\" itemcount=\"5\" header_id=\"header-1497635126289\" id=\"header-1497635126289\" style=\"\" class=\"accordions-head head1497635126289 border-none\" toggle-text=\"\" main-text=\"Is there any price difference between a spouse\/child vs. employee?\">\r\n                                            <span id=\"accordion-icons-1497635126289\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635126289\" class=\"accordions-head-title\">Is there any price difference between a spouse\/child vs. employee?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635126289 \">\r\n                    <p><span style=\"font-weight: 400;\">Pricing for medical insurance is only based on age and is <\/span><b>not<\/b><span style=\"font-weight: 400;\"> based on whether the person is an employee\/dependent\/spouse.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, a 30 year old spouse on your plan would cost the same as a 30 year old employee. A 21 year old child would cost the same as a 21 year old employee.<\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1379\" itemcount=\"6\" header_id=\"header-1497635142309\" id=\"header-1497635142309\" style=\"\" class=\"accordions-head head1497635142309 border-none\" toggle-text=\"\" main-text=\"Can the owner of the company who is not on payroll enroll?\">\r\n                                            <span id=\"accordion-icons-1497635142309\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635142309\" class=\"accordions-head-title\">Can the owner of the company who is not on payroll enroll?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635142309 \">\r\n                    <p><span style=\"font-weight: 400;\">Yes! Owners of small businesses can enroll as long as the group is eligible, and the owners can provide documentation proving they are owners of the company.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Appropriate documentation can include:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Personal tax return forms showing profit\/loss from the company<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">If it is a new company with no tax returns, the company's legal formation documentation showing the person as an owner would suffice.<\/span><\/li>\n<\/ol>\n                <\/div>\r\n                                <div post_id=\"1379\" itemcount=\"7\" header_id=\"header-1497635166123\" id=\"header-1497635166123\" style=\"\" class=\"accordions-head head1497635166123 border-none\" toggle-text=\"\" main-text=\"Do I have to offer my insurance to all employees?\">\r\n                                            <span id=\"accordion-icons-1497635166123\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635166123\" class=\"accordions-head-title\">Do I have to offer my insurance to all employees?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635166123 \">\r\n                    <p><span style=\"font-weight: 400;\">You do<\/span><b> not <\/b><span style=\"font-weight: 400;\">have to offer insurance to all employees, but if you do decide to offer insurance, you must treat all employees of the same type the same way.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Example 1: If you have part-time hourly employees, you may choose not to offer the company's insurance to them and only offer the insurance to your full time employees.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Example: 2: If you choose to offer insurance to your full time employees, you cannot exclude offering insurance to one of the full time employees for any reason.<\/span><\/li>\n<\/ul>\n                <\/div>\r\n                                <div post_id=\"1379\" itemcount=\"8\" header_id=\"header-1509134858559\" id=\"header-1509134858559\" style=\"\" class=\"accordions-head head1509134858559 border-none\" toggle-text=\"\" main-text=\"Can I get a discount if more people sign up? \">\r\n                                            <span id=\"accordion-icons-1509134858559\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509134858559\" class=\"accordions-head-title\">Can I get a discount if more people sign up? <\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509134858559 \">\r\n                    <p>No. The monthly premium for each employee is based on two factors:<\/p>\n<p>1. The age of the enrollee and their dependents<\/p>\n<p>2. The zip code of the employer or the employee<\/p>\n<p>Every company gets charged the same rate for an employee of a specific age regardless of the company size or number of employees enrolled.<\/p>\n                <\/div>\r\n                                <div post_id=\"1379\" itemcount=\"9\" header_id=\"header-1497635187499\" id=\"header-1497635187499\" style=\"\" class=\"accordions-head head1497635187499 border-none\" toggle-text=\"\" main-text=\"How do I pay for group health insurance?\">\r\n                                            <span id=\"accordion-icons-1497635187499\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635187499\" class=\"accordions-head-title\">How do I pay for group health insurance?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635187499 \">\r\n                    <p><span style=\"font-weight: 400;\">Insurance premiums are billed on a monthly basis.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most insurance companies will use auto-debit\/ACH for your monthly premium, but may require a physical check for the first month.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your employees are paying for part of the insurance, you will set up your payroll to deduct their share from paychecks. SimplyInsured works with every major payroll provider and can help make sure the proper deductions take place.<\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1379\" itemcount=\"10\" header_id=\"header-1509134533086\" id=\"header-1509134533086\" style=\"\" class=\"accordions-head head1509134533086 border-none\" toggle-text=\"\" main-text=\"What happens when an employee quits or leaves?\">\r\n                                            <span id=\"accordion-icons-1509134533086\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509134533086\" class=\"accordions-head-title\">What happens when an employee quits or leaves?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509134533086 \">\r\n                    <p>If an employee leaves your company or wishes to leave the insurance for whatever reason, they can be removed at any time during the year, and you will no longer be charged for their insurance.<\/p>\n                <\/div>\r\n                    <\/div>\r\n    <script>\r\n        jQuery(document).ready(function($){accordions_active_index_1379 = {\"1497571332859\":0};        })\r\n    <\/script><script type=\"application\/ld+json\">\r\n{\r\n    \"@context\": \"https:\/\/schema.org\",\r\n    \"@type\": \"FAQPage\",\r\n    \"mainEntity\": [{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"What is group health insurance?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Group health insurance refers to a medical policy issued to a group (typically a business with W2 employees, although there are other kinds of groups that can get coverage) that covers all eligible employees and sometimes their dependents.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Am I eligible for small group health insurance?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Small groups are definitely eligible for group insurance if:\r\n\r\n \tThere are at least two people in the company\r\n \tAt least one of those two people is a W2 employee\r\n \tThe group does NOT consistent of only a husband and wife.\r\n\r\nIf you are looking for a small business health plan for you and your spouse only, you may still be eligible if you live in the following states: Washington, California, Texas\r\n\r\nYou can start group insurance as long as you meet eligibility even if not all your employees need insurance.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"What is the advantage of group insurance versus individual insurance plans?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Group insurance is pre-tax, which means you can offer this employee benefit and have it exempt from employer and employee taxes. This usually means a 30-40% tax benefit on the cost of insurance. See this article for more information.\r\n\r\nSimplyInsured will ensure you file all the proper forms to have group insurance premiums be tax-deductible.\r\n\r\nIndividual insurance, by contrast, provides no tax benefits and must be paid for with post-tax money.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"I have an individual ACA plan. Can I cancel and move to group insurance?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Yes, you can cancel individual insurance at any time and switch to a small business plan since small business insurance can start any month of the year.\r\n\r\nYou are not required to wait until open enrollment to enroll on group insurance or leave your individual insurance.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"I found a plan I want. How do I apply for group insurance?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Applying for group insurance is easy on SimplyInsured!\r\n\r\n \tClick &quot;Start Application&quot; on the plan you wish to purchase for your company\r\n \tWalk through the application steps on our website as directed. This should take about 10-15 minutes.\r\n \tOnce you&#039;re finished with the application, we&#039;ll submit it to the insurance company. You should be approved within 7-14 business days.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Is there any price difference between a spouse\/child vs. employee?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Pricing for medical insurance is only based on age and is not based on whether the person is an employee\/dependent\/spouse.\r\n\r\nFor example, a 30 year old spouse on your plan would cost the same as a 30 year old employee. A 21 year old child would cost the same as a 21 year old employee.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Can the owner of the company who is not on payroll enroll?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Yes! Owners of small businesses can enroll as long as the group is eligible, and the owners can provide documentation proving they are owners of the company.\r\n\r\nAppropriate documentation can include:\r\n\r\n \tPersonal tax return forms showing profit\/loss from the company\r\n \tIf it is a new company with no tax returns, the company&#039;s legal formation documentation showing the person as an owner would suffice.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Do I have to offer my insurance to all employees?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"You do not have to offer insurance to all employees, but if you do decide to offer insurance, you must treat all employees of the same type the same way.\r\n\r\n \tExample 1: If you have part-time hourly employees, you may choose not to offer the company&#039;s insurance to them and only offer the insurance to your full time employees.\r\n \tExample: 2: If you choose to offer insurance to your full time employees, you cannot exclude offering insurance to one of the full time employees for any reason.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Can I get a discount if more people sign up?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"No. The monthly premium for each employee is based on two factors:\r\n\r\n1. The age of the enrollee and their dependents\r\n\r\n2. The zip code of the employer or the employee\r\n\r\nEvery company gets charged the same rate for an employee of a specific age regardless of the company size or number of employees enrolled.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"How do I pay for group health insurance?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Insurance premiums are billed on a monthly basis.\r\n\r\nMost insurance companies will use auto-debit\/ACH for your monthly premium, but may require a physical check for the first month.\r\n\r\nIf your employees are paying for part of the insurance, you will set up your payroll to deduct their share from paychecks. SimplyInsured works with every major payroll provider and can help make sure the proper deductions take place.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"What happens when an employee quits or leaves?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"If an employee leaves your company or wishes to leave the insurance for whatever reason, they can be removed at any time during the year, and you will no longer be charged for their insurance.\"\r\n            }\r\n        }]\r\n}\r\n<\/script>    <script>\r\n        jQuery(document).ready(function($){\r\n            accordion_1379  = $(\"#accordions-1379 .items\").accordion({\r\n                event: \"click\",\r\n                collapsible:true,\r\n                heightStyle: \"content\",\r\n                animate: (\"swing\", 1000),\r\n                navigation: true,\r\n                active: 999,\r\n                            });\r\n        })\r\n    <\/script>\r\n                <\/div>\n<h3>Selecting A Plan<\/h3>\n<div id=\"accordions-1387\" class=\"accordions-1387 accordions\">\r\n                <style type='text\/css'>\r\n        @media only screen and (min-width: 1024px ){\r\n            #accordions-1387 {\r\n                            width: 100%;\r\n                        }\r\n        }\r\n        @media only screen and ( min-width: 768px ) and ( max-width: 1023px ) {\r\n            #accordions-1387 {\r\n                            width: 100%;\r\n                        }\r\n        }\r\n        @media only screen and ( min-width: 0px ) and ( max-width: 767px ){\r\n            #accordions-1387 {\r\n                            width: 100%;\r\n                        }\r\n        }\r\n        #accordions-1387 {\r\n                            text-align: left;\r\n                                                position: relative;\r\n        }\r\n        #accordions-1387 .accordions-head{\r\n                    background:#0093c2 none repeat scroll 0 0;\r\n                                    outline: none;\r\n        }\r\n        #accordions-1387 .accordions-head-title{\r\n                            color:#ffffff;\r\n                            font-size:18px;\r\n                }\r\n        #accordions-1387 .accordions-head-title-toggle{\r\n                    color:#ffffff;\r\n                            font-size:18px;\r\n                }\r\n        #accordions-1387 .accordions-head:hover .accordions-head-title{\r\n                    color:#ffffff;\r\n                }\r\n        #accordions-1387 .ui-state-active{\r\n                    background: #0093c2;\r\n                    border: none;\r\n        }\r\n        #accordions-1387 .accordion-content{\r\n                                    color:#333333;\r\n                            font-size:14px;\r\n                                    border: none;\r\n        }\r\n        #accordions-1387 .accordion-icons{\r\n                        color:#ffffff;\r\n                                    font-size:18px;\r\n                                                            margin:0px;\r\n                    }\r\n        #accordions-1387 .accordions-head:hover .accordion-icons span{\r\n                    }\r\n        #accordions-1387{}\r\n#accordions-1387 .accordions-head{}\r\n#accordions-1387 .accordion-content{}    <\/style>\r\n    <div class=\"items\">\r\n                        <div post_id=\"1387\" itemcount=\"0\" header_id=\"header-1506623207867\" id=\"header-1506623207867\" style=\"\" class=\"accordions-head head1506623207867 border-none\" toggle-text=\"\" main-text=\"What does SimplyInsured do?\">\r\n                                            <span id=\"accordion-icons-1506623207867\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1506623207867\" class=\"accordions-head-title\">What does SimplyInsured do?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1506623207867 \">\r\n                    <p>SimplyInsured is an online insurance broker. We do not administer plans ourselves; rather, we collect price and coverage information from all carriers and provide quotes. You can use our website tools to find the right plans for you, and we'll help you enroll quickly. After you're enrolled, we continue to provide support.<\/p>\n                <\/div>\r\n                                <div post_id=\"1387\" itemcount=\"1\" header_id=\"header-0\" id=\"header-0\" style=\"\" class=\"accordions-head head0 border-none\" toggle-text=\"\" main-text=\"How do I get a quote on SimplyInsured? \">\r\n                                            <span id=\"accordion-icons-0\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-0\" class=\"accordions-head-title\">How do I get a quote on SimplyInsured? <\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content0 \">\r\n                    <ol>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">In the upper left hand corner of the quote page, there is a section that says \"Get Precise Quote\" where you'll put in the ages of your employees and optionally, their dependents by clicking \"+Family\"<\/span><\/li>\n<li><span style=\"font-weight: 400;\">As you put in the ages, all the plan pricing will automatically update. <\/span><b>Since age is the only factor in small group insurance pricing for small businesses, these are exact quotes.<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">The cost being shown is the TOTAL cost so you can choose to split that with the employees or pay for all of it as the employer. It's up to you. <\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1387\" itemcount=\"2\" header_id=\"header-1497635579612\" id=\"header-1497635579612\" style=\"\" class=\"accordions-head head1497635579612 border-none\" toggle-text=\"\" main-text=\"What&#039;s the difference between an HMO, PPO, EPO, and POS?\">\r\n                                            <span id=\"accordion-icons-1497635579612\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635579612\" class=\"accordions-head-title\">What's the difference between an HMO, PPO, EPO, and POS?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635579612 \">\r\n                    <p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">HMO - Health Maintenance Organization<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">HMOs tend to have the lowest monthly premium, but they require referrals to see specialists from a primary care physician (PCP). There is no out-of-network coverage on this type of network.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">PPO - Preferred Provider Organization<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">With a PPO network, you can choose any doctor on their <\/span><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">preferred<\/span><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"> list of providers, no referrals are needed. You can also use an out-of-network provider (ie., not on the preferred list), but you will have to pay more out of pocket. \u00a0PPO networks are the broadest and most flexible, but will increase your monthly premium.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">EPO - Exclusive Provider Organization<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">With an EPO, you must pick from the providers on the list, or the insurance company will not pay. An EPO is like a PPO, but without out-of-network benefits. You do not need to choose a PCP or get referrals. <\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">POS - Point of Service plan<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">A POS plan is like a HMO, but in some cases you can get out-of-network coverage like with a PPO. Typically you are required to get referrals, with some exceptions (eg., Humana).<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\">For more information, see <a href=\"https:\/\/wp.me\/P8HgRo-g4\">this article<\/a>.<\/p>\n                <\/div>\r\n                                <div post_id=\"1387\" itemcount=\"3\" header_id=\"header-1497635622901\" id=\"header-1497635622901\" style=\"\" class=\"accordions-head head1497635622901 border-none\" toggle-text=\"\" main-text=\"Do plans on SimplyInsured cover pre-existing conditions?\">\r\n                                            <span id=\"accordion-icons-1497635622901\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635622901\" class=\"accordions-head-title\">Do plans on SimplyInsured cover pre-existing conditions?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635622901 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b20a-32e8-a07a-7bc81fafb8c4\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; vertical-align: baseline; white-space: pre-wrap;\">Yes, all of our plans cover pre-existing conditions. Having a pre-existing condition does not affect your price or ability to sign up for a plan at all.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1387\" itemcount=\"4\" header_id=\"header-1497635635724\" id=\"header-1497635635724\" style=\"\" class=\"accordions-head head1497635635724 border-none\" toggle-text=\"\" main-text=\"When can the insurance start?\">\r\n                                            <span id=\"accordion-icons-1497635635724\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635635724\" class=\"accordions-head-title\">When can the insurance start?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635635724 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b20a-5930-6bc2-70b04e810671\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; vertical-align: baseline; white-space: pre-wrap;\">You can start your group insurance on the first of any month. You do not have to wait for an open enrollment period in November. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1387\" itemcount=\"5\" header_id=\"header-1497635649715\" id=\"header-1497635649715\" style=\"\" class=\"accordions-head head1497635649715 border-none\" toggle-text=\"\" main-text=\"Can I offer multiple plans to my employees?\">\r\n                                            <span id=\"accordion-icons-1497635649715\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635649715\" class=\"accordions-head-title\">Can I offer multiple plans to my employees?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635649715 \">\r\n                    <p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Usually yes, but it depends on three factors:<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">1. How many employees are signing up for coverage.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">2. The insurance company you selected<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3. The state in which your business is located.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Contact us at hello@simplyinsured.com and we can help you determine how many plans you may offer.<\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1387\" itemcount=\"6\" header_id=\"header-1497635659373\" id=\"header-1497635659373\" style=\"\" class=\"accordions-head head1497635659373 border-none\" toggle-text=\"\" main-text=\"Are these plans compatible with the Affordable Care Act (ACA)?\">\r\n                                            <span id=\"accordion-icons-1497635659373\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635659373\" class=\"accordions-head-title\">Are these plans compatible with the Affordable Care Act (ACA)?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635659373 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b20a-d04b-cc4d-a391434a2e55\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; vertical-align: baseline; white-space: pre-wrap;\">Yes, all of our plans meet the requirements of the Affordable Care Act. Any employees enrolling on the plans on SimplyInsured would not face the individual penalties for being uninsured.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1387\" itemcount=\"7\" header_id=\"header-1497635677176\" id=\"header-1497635677176\" style=\"\" class=\"accordions-head head1497635677176 border-none\" toggle-text=\"\" main-text=\"What is the cost that is displayed on the quote page?\">\r\n                                            <span id=\"accordion-icons-1497635677176\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635677176\" class=\"accordions-head-title\">What is the cost that is displayed on the quote page?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635677176 \">\r\n                    <p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">The costs displayed on our quote page is the total monthly price that the insurance company would charge for all the employees and dependents you've entered for your company.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">As the employer, you can split that total cost with your employees in any way you want. <\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">On our quote page, you can:<\/span><\/p>\n<ol style=\"margin-top: 0pt; margin-bottom: 0pt;\">\n<li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; margin-left: 18pt;\">\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Click \"See Employee Costs\"<\/span><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"> on any plan to see the full quote with all your employees' pricing broken down by each person. You will also be able to use the contribution calculator there to play with how much each employee would pay out of their paychecks for their insurance.<\/span><\/p>\n<\/li>\n<li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; margin-left: 18pt;\">\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: bold; vertical-align: baseline; white-space: pre-wrap;\">Click \"Enter Ages\" <\/span><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">in the top right of the quote page to change\/edit the ages of the employees, spouses, and children being quoted.<\/span><\/p>\n<\/li>\n<\/ol>\n                <\/div>\r\n                                <div post_id=\"1387\" itemcount=\"8\" header_id=\"header-1497635690471\" id=\"header-1497635690471\" style=\"\" class=\"accordions-head head1497635690471 border-none\" toggle-text=\"\" main-text=\"How much does it cost for a medical procedure on the plan?\">\r\n                                            <span id=\"accordion-icons-1497635690471\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635690471\" class=\"accordions-head-title\">How much does it cost for a medical procedure on the plan?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635690471 \">\r\n                    <p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Click on \"More Details\" on any of the plans on this quote page, and you will see two sections:<\/span><\/p>\n<ol style=\"margin-top: 0pt; margin-bottom: 0pt;\">\n<li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; margin-left: 18pt;\">\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Estimated Costs<\/span><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"> gives you an estimated cost of common medical procedures based on how the plan covers those procedures. These estimates are based on national averages so it may differ in your area.<\/span><\/p>\n<\/li>\n<li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; margin-left: 18pt;\">\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Plan Details<\/span><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"> below Estimated Costs gives you the exact descriptions of how the plan covers different categories of medical services. Some services may be subject to the deductible or some may be on copay with deductible waived. You can hover over any of the terms to get a more detailed description of what they mean.<\/span><\/p>\n<\/li>\n<\/ol>\n                <\/div>\r\n                                <div post_id=\"1387\" itemcount=\"9\" header_id=\"header-1497635711980\" id=\"header-1497635711980\" style=\"\" class=\"accordions-head head1497635711980 border-none\" toggle-text=\"\" main-text=\"Can I purchase dental and\/or vision insurance? \">\r\n                                            <span id=\"accordion-icons-1497635711980\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635711980\" class=\"accordions-head-title\">Can I purchase dental and\/or vision insurance? <\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635711980 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b20b-7bac-d320-9974239ec9ea\"><span style=\"font-size: 11.5pt; font-family: Arial; color: #333333; vertical-align: baseline; white-space: pre-wrap;\">Yes! Dental and\/or vision insurance can be selected during the application process. You can also preview dental quotes by clicking on the menu at the top of our quote page where it says \"Medical\" and selecting \u201cDental\u201d or \u201cVision.\u201d<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1387\" itemcount=\"10\" header_id=\"header-1506623715641\" id=\"header-1506623715641\" style=\"\" class=\"accordions-head head1506623715641 border-none\" toggle-text=\"\" main-text=\"I&#039;ve found a great plan for my business. How do I enroll?\">\r\n                                            <span id=\"accordion-icons-1506623715641\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1506623715641\" class=\"accordions-head-title\">I've found a great plan for my business. How do I enroll?<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1506623715641 \">\r\n                    <p>Follow these steps to enroll:<\/p>\n<p>1) Fill out the application on our website. You'll need to enter basic information about your company and employees, upload documents that connect employees to your company (e.g., wage report), and provide a payment method for the first month's premium. This process takes 20-30 minutes for most companies.<\/p>\n<p>2) We'll review the application and submit it to the insurance company within 1-2 business days.<\/p>\n<p>3) The insurance company will review the application. Most companies are approved within 7-14 business days.<\/p>\n<p>&nbsp;<\/p>\n                <\/div>\r\n                    <\/div>\r\n    <script>\r\n        jQuery(document).ready(function($){accordions_active_index_1387 = {\"1506623207867\":0};        })\r\n    <\/script><script type=\"application\/ld+json\">\r\n{\r\n    \"@context\": \"https:\/\/schema.org\",\r\n    \"@type\": \"FAQPage\",\r\n    \"mainEntity\": [{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"What does SimplyInsured do?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"SimplyInsured is an online insurance broker. We do not administer plans ourselves; rather, we collect price and coverage information from all carriers and provide quotes. You can use our website tools to find the right plans for you, and we&#039;ll help you enroll quickly. After you&#039;re enrolled, we continue to provide support.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"How do I get a quote on SimplyInsured?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"In the upper left hand corner of the quote page, there is a section that says &quot;Get Precise Quote&quot; where you&#039;ll put in the ages of your employees and optionally, their dependents by clicking &quot;+Family&quot;\r\n \tAs you put in the ages, all the plan pricing will automatically update. Since age is the only factor in small group insurance pricing for small businesses, these are exact quotes.\r\n\r\nThe cost being shown is the TOTAL cost so you can choose to split that with the employees or pay for all of it as the employer. It&#039;s up to you.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"What&#039;s the difference between an HMO, PPO, EPO, and POS?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"HMO - Health Maintenance Organization\r\nHMOs tend to have the lowest monthly premium, but they require referrals to see specialists from a primary care physician (PCP). There is no out-of-network coverage on this type of network.\r\nPPO - Preferred Provider Organization\r\nWith a PPO network, you can choose any doctor on their preferred list of providers, no referrals are needed. You can also use an out-of-network provider (ie., not on the preferred list), but you will have to pay more out of pocket. \u00a0PPO networks are the broadest and most flexible, but will increase your monthly premium.\r\nEPO - Exclusive Provider Organization\r\nWith an EPO, you must pick from the providers on the list, or the insurance company will not pay. An EPO is like a PPO, but without out-of-network benefits. You do not need to choose a PCP or get referrals. \r\nPOS - Point of Service plan\r\nA POS plan is like a HMO, but in some cases you can get out-of-network coverage like with a PPO. Typically you are required to get referrals, with some exceptions (eg., Humana).\r\nFor more information, see this article.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Do plans on SimplyInsured cover pre-existing conditions?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Yes, all of our plans cover pre-existing conditions. Having a pre-existing condition does not affect your price or ability to sign up for a plan at all.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"When can the insurance start?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"You can start your group insurance on the first of any month. You do not have to wait for an open enrollment period in November.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Can I offer multiple plans to my employees?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Usually yes, but it depends on three factors:\r\n1. How many employees are signing up for coverage.\r\n2. The insurance company you selected\r\n3. The state in which your business is located.\r\nContact us at hello@simplyinsured.com and we can help you determine how many plans you may offer.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Are these plans compatible with the Affordable Care Act (ACA)?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Yes, all of our plans meet the requirements of the Affordable Care Act. Any employees enrolling on the plans on SimplyInsured would not face the individual penalties for being uninsured.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"What is the cost that is displayed on the quote page?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The costs displayed on our quote page is the total monthly price that the insurance company would charge for all the employees and dependents you&#039;ve entered for your company.\r\nAs the employer, you can split that total cost with your employees in any way you want. \r\nOn our quote page, you can:\r\n\r\n\r\n \t\r\nClick &quot;See Employee Costs&quot; on any plan to see the full quote with all your employees&#039; pricing broken down by each person. You will also be able to use the contribution calculator there to play with how much each employee would pay out of their paychecks for their insurance.\r\n\r\n \t\r\nClick &quot;Enter Ages&quot; in the top right of the quote page to change\/edit the ages of the employees, spouses, and children being quoted.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"How much does it cost for a medical procedure on the plan?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Click on &quot;More Details&quot; on any of the plans on this quote page, and you will see two sections:\r\n\r\n\r\n \t\r\nEstimated Costs gives you an estimated cost of common medical procedures based on how the plan covers those procedures. These estimates are based on national averages so it may differ in your area.\r\n\r\n \t\r\nPlan Details below Estimated Costs gives you the exact descriptions of how the plan covers different categories of medical services. Some services may be subject to the deductible or some may be on copay with deductible waived. You can hover over any of the terms to get a more detailed description of what they mean.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Can I purchase dental and\/or vision insurance?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Yes! Dental and\/or vision insurance can be selected during the application process. You can also preview dental quotes by clicking on the menu at the top of our quote page where it says &quot;Medical&quot; and selecting \u201cDental\u201d or \u201cVision.\u201d\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"I&#039;ve found a great plan for my business. How do I enroll?\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Follow these steps to enroll:\r\n\r\n1) Fill out the application on our website. You&#039;ll need to enter basic information about your company and employees, upload documents that connect employees to your company (e.g., wage report), and provide a payment method for the first month&#039;s premium. This process takes 20-30 minutes for most companies.\r\n\r\n2) We&#039;ll review the application and submit it to the insurance company within 1-2 business days.\r\n\r\n3) The insurance company will review the application. Most companies are approved within 7-14 business days.\r\n\r\n&nbsp;\"\r\n            }\r\n        }]\r\n}\r\n<\/script>    <script>\r\n        jQuery(document).ready(function($){\r\n            accordion_1387  = $(\"#accordions-1387 .items\").accordion({\r\n                event: \"click\",\r\n                collapsible:true,\r\n                heightStyle: \"content\",\r\n                animate: (\"swing\", 1000),\r\n                navigation: true,\r\n                active: 999,\r\n                            });\r\n        })\r\n    <\/script>\r\n                <\/div>\n<h3>Health Insurance Terminology<\/h3>\n<div id=\"accordions-1392\" class=\"accordions-1392 accordions\">\r\n                <style type='text\/css'>\r\n        @media only screen and (min-width: 1024px ){\r\n            #accordions-1392 {\r\n                            width: 100%;\r\n                        }\r\n        }\r\n        @media only screen and ( min-width: 768px ) and ( max-width: 1023px ) {\r\n            #accordions-1392 {\r\n                            width: 100%;\r\n                        }\r\n        }\r\n        @media only screen and ( min-width: 0px ) and ( max-width: 767px ){\r\n            #accordions-1392 {\r\n                            width: 100%;\r\n                        }\r\n        }\r\n        #accordions-1392 {\r\n                            text-align: left;\r\n                                                position: relative;\r\n        }\r\n        #accordions-1392 .accordions-head{\r\n                    background:#0093c2 none repeat scroll 0 0;\r\n                                    outline: none;\r\n        }\r\n        #accordions-1392 .accordions-head-title{\r\n                            color:#ffffff;\r\n                            font-size:18px;\r\n                }\r\n        #accordions-1392 .accordions-head-title-toggle{\r\n                    color:#ffffff;\r\n                            font-size:18px;\r\n                }\r\n        #accordions-1392 .accordions-head:hover .accordions-head-title{\r\n                    color:#ffffff;\r\n                }\r\n        #accordions-1392 .ui-state-active{\r\n                    background: #0093c2;\r\n                    border: none;\r\n        }\r\n        #accordions-1392 .accordion-content{\r\n                                    color:#333333;\r\n                            font-size:14px;\r\n                                    border: none;\r\n        }\r\n        #accordions-1392 .accordion-icons{\r\n                        color:#ffffff;\r\n                                    font-size:18px;\r\n                                                            margin:0px;\r\n                    }\r\n        #accordions-1392 .accordions-head:hover .accordion-icons span{\r\n                    }\r\n        #accordions-1392{}\r\n#accordions-1392 .accordions-head{}\r\n#accordions-1392 .accordion-content{}    <\/style>\r\n    <div class=\"items\">\r\n                        <div post_id=\"1392\" itemcount=\"0\" header_id=\"header-1509569115134\" id=\"header-1509569115134\" style=\"\" class=\"accordions-head head1509569115134 border-none\" toggle-text=\"\" main-text=\"Actuarial Value\">\r\n                                            <span id=\"accordion-icons-1509569115134\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569115134\" class=\"accordions-head-title\">Actuarial Value<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569115134 \">\r\n                    <p>Demo Content<\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"1\" header_id=\"header-1509569267232\" id=\"header-1509569267232\" style=\"\" class=\"accordions-head head1509569267232 border-none\" toggle-text=\"\" main-text=\"Advance Premium Tax Credit (APTC)\">\r\n                                            <span id=\"accordion-icons-1509569267232\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569267232\" class=\"accordions-head-title\">Advance Premium Tax Credit (APTC)<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569267232 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7957-3842-d321-4e3c204abf84\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The tax credit available to you, based on your expected annual income, which lowers the monthly cost of health insurance premiums. You will be required to pay back any advance that is in excess of what you are eligible for when you file your taxes. If your advance was less than what you were eligible for, you will get the remainder as a credit when you file your taxes.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"2\" header_id=\"header-0\" id=\"header-0\" style=\"\" class=\"accordions-head head0 border-none\" toggle-text=\"\" main-text=\"Affordable Care Act (ACA)\">\r\n                                            <span id=\"accordion-icons-0\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-0\" class=\"accordions-head-title\">Affordable Care Act (ACA)<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content0 \">\r\n                    <p><span style=\"font-weight: 400;\">The healthcare reform law enacted in 2010 by the federal government.\u00a0The laws govern certain aspects of health insurance, what must be covered, and how insurance can be priced amongst other things. The Affordable Care Act is also often referred to as \u201cObamacare.\u201d<\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"3\" header_id=\"header-1509569301169\" id=\"header-1509569301169\" style=\"\" class=\"accordions-head head1509569301169 border-none\" toggle-text=\"\" main-text=\"Affordable coverage\">\r\n                                            <span id=\"accordion-icons-1509569301169\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569301169\" class=\"accordions-head-title\">Affordable coverage<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569301169 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7957-b958-4a23-a17f512c48a1\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">This term centers on job-based health plans. To be deemed &ldquo;affordable,&rdquo; the plan must cost 9.69% or less of the employee&rsquo;s total household income. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"4\" header_id=\"header-1509569334877\" id=\"header-1509569334877\" style=\"\" class=\"accordions-head head1509569334877 border-none\" toggle-text=\"\" main-text=\"Allowed amount\">\r\n                                            <span id=\"accordion-icons-1509569334877\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569334877\" class=\"accordions-head-title\">Allowed amount<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569334877 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7958-2d0d-05c0-a5547d81bb9c\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The amount a health plan, by contract, will pay for a covered service. Any cost above the allowed amount will be the responsibility of the insured. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"5\" header_id=\"header-1509569381580\" id=\"header-1509569381580\" style=\"\" class=\"accordions-head head1509569381580 border-none\" toggle-text=\"\" main-text=\"Annual Limit\">\r\n                                            <span id=\"accordion-icons-1509569381580\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569381580\" class=\"accordions-head-title\">Annual Limit<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569381580 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7958-fa5b-f1fa-e9704f63a111\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A yearly limit, or cap, decided by your insurance company, that will be paid for certain benefits covered under your health plan. Once the cap is met, you are responsible for all remaining costs for related covered services. The annual cap may be placed on the total dollar amount your insurance company will pay or on the number of visits your insurance company will cover for a particular service. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"6\" header_id=\"header-1509569423728\" id=\"header-1509569423728\" style=\"\" class=\"accordions-head head1509569423728 border-none\" toggle-text=\"\" main-text=\"Appeal\">\r\n                                            <span id=\"accordion-icons-1509569423728\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569423728\" class=\"accordions-head-title\">Appeal<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569423728 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7959-5893-0202-86f2e933dccb\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A request you submit to your insurance company to review a decision to deny coverage or to adjust the amount paid for a covered expense. You always have the right to appeal a decision made by your health insurance company. Your policy will outline the steps you have to follow in order to file an appeal. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"7\" header_id=\"header-1509569446468\" id=\"header-1509569446468\" style=\"\" class=\"accordions-head head1509569446468 border-none\" toggle-text=\"\" main-text=\"Benefits\">\r\n                                            <span id=\"accordion-icons-1509569446468\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569446468\" class=\"accordions-head-title\">Benefits<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569446468 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7959-e0a1-5c40-883d603c0c0c\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Health care services that are covered under a health plan. Health plan benefits are outlined in the plan&rsquo;s coverage documents. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"8\" header_id=\"header-1497635796382\" id=\"header-1497635796382\" style=\"\" class=\"accordions-head head1497635796382 border-none\" toggle-text=\"\" main-text=\"Brand Name (Drugs)\">\r\n                                            <span id=\"accordion-icons-1497635796382\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635796382\" class=\"accordions-head-title\">Brand Name (Drugs)<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635796382 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b20c-e26d-a580-9a89e43a6698\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Patent-protected drugs that are sold under a specific patented name by a specific company. These drugs can be either prescription or sold over-the-counter.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"9\" header_id=\"header-1509569479173\" id=\"header-1509569479173\" style=\"\" class=\"accordions-head head1509569479173 border-none\" toggle-text=\"\" main-text=\"Broker\">\r\n                                            <span id=\"accordion-icons-1509569479173\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569479173\" class=\"accordions-head-title\">Broker<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569479173 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-795a-687e-8c72-1ffe839acc0e\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">An individual or business who aids you in enrolling in a health insurance plan. A broker can make recommendations about what plan might be best for you. A broker must be licensed in the state in which the entity is seeking health coverage. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"10\" header_id=\"header-1497635817628\" id=\"header-1497635817628\" style=\"\" class=\"accordions-head head1497635817628 border-none\" toggle-text=\"\" main-text=\"Bronze Health Plan\">\r\n                                            <span id=\"accordion-icons-1497635817628\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635817628\" class=\"accordions-head-title\">Bronze Health Plan<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635817628 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b20d-2341-a0d1-f8d1e99d33b2\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The federal health insurance marketplace divides health plans into four metal levels. The bronze health plan is one of those levels. These plans offer the lowest monthly premiums in exchange for higher levels of self-insurance. These plans best serve individuals who generally have few health care needs.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"11\" header_id=\"header-1509569575707\" id=\"header-1509569575707\" style=\"\" class=\"accordions-head head1509569575707 border-none\" toggle-text=\"\" main-text=\"Catastrophic Health Plan\">\r\n                                            <span id=\"accordion-icons-1509569575707\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569575707\" class=\"accordions-head-title\">Catastrophic Health Plan<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569575707 \">\r\n                    <p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">A type of health plan that has limited benefits. The plan only covers three primary care visits per year and nothing else before the plan&rsquo;s deductible is met. This type of plan offers a lower monthly premium, but also requires higher out-of-pocket costs for deductibles, copayments and coinsurance. <\/span><\/p>\n<p><span id=\"docs-internal-guid-bf16d744-795b-e7a0-6f80-102762e6a7f8\">&nbsp;<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">There are certain requirements that must be met to qualify for a Catastrophic Health Plan. You must either be under the age of 30 or get a hardship exemption as a result of being deemed unable to afford health insurance.<\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"12\" header_id=\"header-1509569601052\" id=\"header-1509569601052\" style=\"\" class=\"accordions-head head1509569601052 border-none\" toggle-text=\"\" main-text=\"Chronic Disease Management\">\r\n                                            <span id=\"accordion-icons-1509569601052\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569601052\" class=\"accordions-head-title\">Chronic Disease Management<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569601052 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-795c-5133-9f9d-13b784da0070\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A method of health care that reduces costs and can improve overall quality of life. It includes measures that prevent and minimize the impact of diseases. Some of these measures include screenings, routine check-ups, monitoring and patient education. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"13\" header_id=\"header-1497635828178\" id=\"header-1497635828178\" style=\"\" class=\"accordions-head head1497635828178 border-none\" toggle-text=\"\" main-text=\"Claim\">\r\n                                            <span id=\"accordion-icons-1497635828178\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635828178\" class=\"accordions-head-title\">Claim<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635828178 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b20d-513c-a4ac-9fc0de846293\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The payment requests health care providers or pharmacies submit to insurance companies, based on services or drugs provided to insured individuals.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"14\" header_id=\"header-1509569519685\" id=\"header-1509569519685\" style=\"\" class=\"accordions-head head1509569519685 border-none\" toggle-text=\"\" main-text=\"COBRA\">\r\n                                            <span id=\"accordion-icons-1509569519685\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569519685\" class=\"accordions-head-title\">COBRA<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569519685 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-795b-0a67-d2f9-252040a7ca47\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Federally-mandated, temporary bridge health insurance coverage for individuals who lose coverage through termination of employment or as the dependent of a covered employee. This coverage is used to fill a gap in insurance coverage that may occur. COBRA is expensive, in that it requires covered individuals to pay 100% if the monthly premium. COBRA is an acronym for Consolidated Omnibus Budget Reconciliation Act. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"15\" header_id=\"header-1509569644155\" id=\"header-1509569644155\" style=\"\" class=\"accordions-head head1509569644155 border-none\" toggle-text=\"\" main-text=\"Coordination of Benefits\">\r\n                                            <span id=\"accordion-icons-1509569644155\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569644155\" class=\"accordions-head-title\">Coordination of Benefits<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569644155 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-795c-e28a-761b-ebe5f610b335\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A method for determining the hierarchy of payment when more than one insurance company is responsible for paying for the same medical claim. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"16\" header_id=\"header-1497635839879\" id=\"header-1497635839879\" style=\"\" class=\"accordions-head head1497635839879 border-none\" toggle-text=\"\" main-text=\"Coinsurance\">\r\n                                            <span id=\"accordion-icons-1497635839879\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635839879\" class=\"accordions-head-title\">Coinsurance<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635839879 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b20d-765b-70fe-19ccad353727\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The portion or percentage of a health care cost that you are responsible for once your deductible is met. Under your health plan, you are responsible for both your deductible and coinsurance.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"17\" header_id=\"header-1497635848377\" id=\"header-1497635848377\" style=\"\" class=\"accordions-head head1497635848377 border-none\" toggle-text=\"\" main-text=\"Copayment \/ Copay\">\r\n                                            <span id=\"accordion-icons-1497635848377\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635848377\" class=\"accordions-head-title\">Copayment \/ Copay<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635848377 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b20d-9efb-bfaf-8971239fea6a\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A set amount you pay for various services under a health plan. The amount typically varies depending on the service received and the individual plan. Some copayments are only offered after you have met your deductible while other copayments can be used outside of your deductible. Read the plan's details for more information. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"18\" header_id=\"header-1509569673539\" id=\"header-1509569673539\" style=\"\" class=\"accordions-head head1509569673539 border-none\" toggle-text=\"\" main-text=\"Cost Sharing\">\r\n                                            <span id=\"accordion-icons-1509569673539\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569673539\" class=\"accordions-head-title\">Cost Sharing<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569673539 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-795d-60c3-cf57-a1ffa7c43cb4\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The share of costs covered by a health plan that you are responsible for paying out-of-pocket. Not included in this amount are the costs of non-covered services, costs for out-of-network providers, and premiums. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"19\" header_id=\"header-1497635915968\" id=\"header-1497635915968\" style=\"\" class=\"accordions-head head1497635915968 border-none\" toggle-text=\"\" main-text=\"Deductible\">\r\n                                            <span id=\"accordion-icons-1497635915968\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635915968\" class=\"accordions-head-title\">Deductible<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635915968 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b20e-a954-fbfd-2bdc00c83aff\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The amount you are responsible for paying for covered services before the insurance company begins paying its portion.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"20\" header_id=\"header-1509569719342\" id=\"header-1509569719342\" style=\"\" class=\"accordions-head head1509569719342 border-none\" toggle-text=\"\" main-text=\"Dental Coverage\">\r\n                                            <span id=\"accordion-icons-1509569719342\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569719342\" class=\"accordions-head-title\">Dental Coverage<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569719342 \">\r\n                    <p>&nbsp;<\/p>\n<p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Insurance coverage that helps pay for the cost of dental visits. Services include routine services like cleaning, X-rays and fillings. Some health insurance plans include dental coverage, and there are also standalone dental coverage plans. <\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"21\" header_id=\"header-1509569751511\" id=\"header-1509569751511\" style=\"\" class=\"accordions-head head1509569751511 border-none\" toggle-text=\"\" main-text=\"Disability\">\r\n                                            <span id=\"accordion-icons-1509569751511\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569751511\" class=\"accordions-head-title\">Disability<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569751511 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-795e-905a-d325-1fb8a6fc359e\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A physical limitation that impacts the life of the disabled individual. A disability can impact any number of life functions, including but not limited to, cognitive ability, sensory ability, and mobility.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"22\" header_id=\"header-1509569782527\" id=\"header-1509569782527\" style=\"\" class=\"accordions-head head1509569782527 border-none\" toggle-text=\"\" main-text=\"Emergency Medical Condition\">\r\n                                            <span id=\"accordion-icons-1509569782527\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569782527\" class=\"accordions-head-title\">Emergency Medical Condition<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569782527 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-795f-14e8-0dc0-1d2014de7a94\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">An injury or illness that would cause a reasonable person to seek immediate medical care in order to prevent severe harm. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"23\" header_id=\"header-1509569814833\" id=\"header-1509569814833\" style=\"\" class=\"accordions-head head1509569814833 border-none\" toggle-text=\"\" main-text=\"Emergency Medical Transportation\">\r\n                                            <span id=\"accordion-icons-1509569814833\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569814833\" class=\"accordions-head-title\">Emergency Medical Transportation<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569814833 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-795f-4f7d-0f45-bbe2f4cad477\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Transportation via a vehicle or other mode of transportation provided by emergency medical services professionals. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"24\" header_id=\"header-1509569847149\" id=\"header-1509569847149\" style=\"\" class=\"accordions-head head1509569847149 border-none\" toggle-text=\"\" main-text=\"Emergency Services\">\r\n                                            <span id=\"accordion-icons-1509569847149\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569847149\" class=\"accordions-head-title\">Emergency Services<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569847149 \">\r\n                    <p>&nbsp;<\/p>\n<p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Services provided in the event of an emergency medical condition. The services are provided to prevent such conditions from worsening. <\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"25\" header_id=\"header-1509569895854\" id=\"header-1509569895854\" style=\"\" class=\"accordions-head head1509569895854 border-none\" toggle-text=\"\" main-text=\"Essential Health Benefits\">\r\n                                            <span id=\"accordion-icons-1509569895854\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569895854\" class=\"accordions-head-title\">Essential Health Benefits<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569895854 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7960-bb1b-5593-638271aa595d\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The Affordable Care Act requires that insurers cover Essential Health Benefits, which includes of set of 10 categories of service. These services are: ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, prescription drugs, rehabilitative services and devices, laboratory services, preventative and wellness services, including chronic disease management, and pediatric services, including dental and vision care.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"26\" header_id=\"header-1509570000264\" id=\"header-1509570000264\" style=\"\" class=\"accordions-head head1509570000264 border-none\" toggle-text=\"\" main-text=\"Evidence of Coverage (EOC)\">\r\n                                            <span id=\"accordion-icons-1509570000264\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509570000264\" class=\"accordions-head-title\">Evidence of Coverage (EOC)<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509570000264 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7962-2455-fed3-91caf6fdd1c3\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A document provided by your health insurance company that contains details and information about your specific health coverage.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"27\" header_id=\"header-1509569927324\" id=\"header-1509569927324\" style=\"\" class=\"accordions-head head1509569927324 border-none\" toggle-text=\"\" main-text=\"Exchange\">\r\n                                            <span id=\"accordion-icons-1509569927324\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569927324\" class=\"accordions-head-title\">Exchange<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569927324 \">\r\n                    <p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Also known as a Health Insurance Marketplace, an Exchange<\/span> <span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">is a set of tools and services that aids individuals in the process of searching for, comparing and enrolling in affordable health insurance. The exchanges also provide information about programs that help individuals of low to moderate income pay for health insurance. The exchange run by the federal government can be found at <\/span><a style=\"text-decoration: none;\" href=\"http:\/\/healthcare.gov\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; vertical-align: baseline; white-space: pre-wrap;\">HealthCare.gov<\/span><\/a><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. You can also obtain assistance from the Health Insurance Marketplace by calling for assistance or soliciting in-person help. <\/span><\/p>\n<p><strong id=\"docs-internal-guid-bf16d744-7961-3a96-e0df-cebcf135aa38\" style=\"font-weight: normal;\">&nbsp;<\/strong><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Based on the information you provide, the Health Insurance Marketplace lets you know which plans you can enroll in and what premium tax credit or subsidy amount you might qualify for. <\/span><\/p>\n<p>Many states also have health insurance marketplaces which they run separately from the federal government Marketplace. <\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"28\" header_id=\"header-1509569964655\" id=\"header-1509569964655\" style=\"\" class=\"accordions-head head1509569964655 border-none\" toggle-text=\"\" main-text=\"Exclusive Provider Organization (EPO) Plan\">\r\n                                            <span id=\"accordion-icons-1509569964655\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509569964655\" class=\"accordions-head-title\">Exclusive Provider Organization (EPO) Plan<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509569964655 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7961-cff1-389b-e1901a86a3e3\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A type of health plan that covers medical services only when enrolled individuals seek treatment from providers or hospitals that are in the plan&rsquo;s network, except in the case of emergencies. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"29\" header_id=\"header-1509570535770\" id=\"header-1509570535770\" style=\"\" class=\"accordions-head head1509570535770 border-none\" toggle-text=\"\" main-text=\"Flexible Spending Account (FSA) \">\r\n                                            <span id=\"accordion-icons-1509570535770\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509570535770\" class=\"accordions-head-title\">Flexible Spending Account (FSA) <\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509570535770 \">\r\n                    <p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">An account associated with an employer-sponsored health plan that allows individuals to contribute pre-tax funds to cover expenses associated with the cost of health care and other medical expenses. The contributed funds can be used to cover expenses like copayments, prescription drugs, and medical devices. This is not an exhaustive list.<\/span><\/p>\n<p><strong id=\"docs-internal-guid-bf16d744-796a-92f9-057c-1b4dac004e12\" style=\"font-weight: normal;\">&nbsp;<\/strong><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Individuals are free to choose the amount to contribute, and this amount is taken out of the individual&rsquo;s paycheck before taxes are assessed. The health plan that an employer sponsors sets a limit to the amount that can be annually contributed to a flexible spending account. <\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\">&nbsp;<\/p>\n<p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Funds contributed to the flexible spending account do not carry over and must be used within the calendar year they are contributed. &nbsp;<\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"30\" header_id=\"header-1509570630492\" id=\"header-1509570630492\" style=\"\" class=\"accordions-head head1509570630492 border-none\" toggle-text=\"\" main-text=\"Full-Time Employee (FTE)\">\r\n                                            <span id=\"accordion-icons-1509570630492\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509570630492\" class=\"accordions-head-title\">Full-Time Employee (FTE)<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509570630492 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-796c-0996-1766-53aa9fafc145\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">An employee who works an average of 30 hours per week for 120 days per year is considered a full-time employee.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"31\" header_id=\"header-1497635956944\" id=\"header-1497635956944\" style=\"\" class=\"accordions-head head1497635956944 border-none\" toggle-text=\"\" main-text=\"Generic Drugs\">\r\n                                            <span id=\"accordion-icons-1497635956944\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635956944\" class=\"accordions-head-title\">Generic Drugs<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635956944 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b20f-3d38-0369-79f32d34fdb1\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Prescription drugs that are no longer patent-protected and are sold by drug manufacturers under a different name than the original brand name drug. These drugs have the same active ingredient formula as the brand name drug.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"32\" header_id=\"header-1509570670614\" id=\"header-1509570670614\" style=\"\" class=\"accordions-head head1509570670614 border-none\" toggle-text=\"\" main-text=\"Grievance\">\r\n                                            <span id=\"accordion-icons-1509570670614\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509570670614\" class=\"accordions-head-title\">Grievance<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509570670614 \">\r\n                    <p>&nbsp;<\/p>\n<p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">A complaint an insured individual formally communicates with an insurer.<\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"33\" header_id=\"header-1497635965575\" id=\"header-1497635965575\" style=\"\" class=\"accordions-head head1497635965575 border-none\" toggle-text=\"\" main-text=\"Gold Health Plan\">\r\n                                            <span id=\"accordion-icons-1497635965575\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635965575\" class=\"accordions-head-title\">Gold Health Plan<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635965575 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b20f-6d64-8d94-3883deb7c180\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The federal health insurance marketplace divides health plans into four metal levels. The gold health plan is one of those levels. These plans typically have higher monthly premiums, but the cost of care for the insured is less. These plans are generally more beneficial for individuals who need more medical care or for those who prefer to pay more on the front end.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"34\" header_id=\"header-1509570719242\" id=\"header-1509570719242\" style=\"\" class=\"accordions-head head1509570719242 border-none\" toggle-text=\"\" main-text=\"Health Insurance\">\r\n                                            <span id=\"accordion-icons-1509570719242\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509570719242\" class=\"accordions-head-title\">Health Insurance<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509570719242 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-796d-48c9-c4b6-ff8776ef69b1\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Through a contract or policy, health insurance is an agreement by an insurer to pay a portion of the policyholder&rsquo;s medical expenses in exchange for the payment of a premium.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"35\" header_id=\"header-1509570764733\" id=\"header-1509570764733\" style=\"\" class=\"accordions-head head1509570764733 border-none\" toggle-text=\"\" main-text=\"Health Insurance Marketplace\">\r\n                                            <span id=\"accordion-icons-1509570764733\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509570764733\" class=\"accordions-head-title\">Health Insurance Marketplace<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509570764733 \">\r\n                    <p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">The Health Insurance Marketplace is a set of tools and services that aids individuals in the process of searching for, comparing and enrolling in affordable health insurance. The Marketplace also provides information about programs that help individuals of low to moderate income pay for health insurance. The Marketplace run by the federal government can be found at <\/span><a style=\"text-decoration: none;\" href=\"http:\/\/healthcare.gov\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; vertical-align: baseline; white-space: pre-wrap;\">HealthCare.gov<\/span><\/a><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. You can also obtain assistance from the Health Insurance Marketplace by calling for assistance or soliciting in-person help. <\/span><\/p>\n<p><strong id=\"docs-internal-guid-bf16d744-796e-2c9e-8250-a51ff9dba287\" style=\"font-weight: normal;\">&nbsp;<\/strong><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Based on the information you provide, the Health Insurance Marketplace lets you know what plans you can enroll in and what premium tax credits you might qualify for. <\/span><\/p>\n<p>Many states also have marketplaces which they run separate from the federal government Marketplace. <\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"36\" header_id=\"header-1509570807961\" id=\"header-1509570807961\" style=\"\" class=\"accordions-head head1509570807961 border-none\" toggle-text=\"\" main-text=\"Health Maintenance Organization (HMO)\">\r\n                                            <span id=\"accordion-icons-1509570807961\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509570807961\" class=\"accordions-head-title\">Health Maintenance Organization (HMO)<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509570807961 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-796e-c2f3-63bb-94723eb05ed5\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A type of health plan that covers care obtained through providers who contract with or work for the HMO. Out-of-network coverage is generally limited to emergency situations. The premise behind an HMO is to utilize a group of providers who work together for an integrative and preventative type of care. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"37\" header_id=\"header-1497635983917\" id=\"header-1497635983917\" style=\"\" class=\"accordions-head head1497635983917 border-none\" toggle-text=\"\" main-text=\"Health Savings Account (HSA)\">\r\n                                            <span id=\"accordion-icons-1497635983917\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635983917\" class=\"accordions-head-title\">Health Savings Account (HSA)<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635983917 \">\r\n                    <p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 11pt; font-family: Arial; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">A savings accounts that allows you to contribute pre-tax money to cover qualified medical expenses. HSAs are only allowed in conjunction with a High Deductible Health Plan.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 11pt; font-family: Arial; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Funds contributed to a HSA roll over year to year.<\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"38\" header_id=\"header-1509570868076\" id=\"header-1509570868076\" style=\"\" class=\"accordions-head head1509570868076 border-none\" toggle-text=\"\" main-text=\"Health Reimbursement Account (HRA) \">\r\n                                            <span id=\"accordion-icons-1509570868076\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509570868076\" class=\"accordions-head-title\">Health Reimbursement Account (HRA) <\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509570868076 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7970-612e-6855-703ce4e7037e\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A type of employer-funded group health plan that reimburses employees tax-free, up to a set dollar amount per year, for qualified medical expenses. Any unused portion can be rolled over year to year. <\/span><span style=\"font-size: 12pt; font-family: Roboto; color: #222222; vertical-align: baseline; white-space: pre-wrap;\">HRAs are designed to act as full health benefits solutions so that employers can pay all or some of the medical expenses of employees.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"39\" header_id=\"header-1497635999435\" id=\"header-1497635999435\" style=\"\" class=\"accordions-head head1497635999435 border-none\" toggle-text=\"\" main-text=\"High Deductible Health Plan (HDHP)\">\r\n                                            <span id=\"accordion-icons-1497635999435\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497635999435\" class=\"accordions-head-title\">High Deductible Health Plan (HDHP)<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497635999435 \">\r\n                    <p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 11pt; font-family: Arial; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">A plan that requires you to pay a higher deductible than most traditional insurance plans. In exchange for the higher deductible, you often pay a lower monthly premium. The cost of care before the insurance begins paying its portion is generally more expensive than that associated with traditional health plans. A HDHP can be combined with Health Savings Account to help covered qualified medical expenses.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 11pt; font-family: Arial; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">According to the IRS, a HDHP is any plan where the deductible is at least $1,300 for an individual or $2,600 for a family. Total yearly out-of-pocket costs for a HDHP cannot exceed $6,550 for an individual or $13,100 for a family.<\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"40\" header_id=\"header-1509571037205\" id=\"header-1509571037205\" style=\"\" class=\"accordions-head head1509571037205 border-none\" toggle-text=\"\" main-text=\"Home Health Care\">\r\n                                            <span id=\"accordion-icons-1509571037205\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571037205\" class=\"accordions-head-title\">Home Health Care<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571037205 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7972-3273-7f42-308a259df87c\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Health care services that an individual receives at home as opposed to at the location of the provider. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"41\" header_id=\"header-1509571119242\" id=\"header-1509571119242\" style=\"\" class=\"accordions-head head1509571119242 border-none\" toggle-text=\"\" main-text=\"Hospice Services\">\r\n                                            <span id=\"accordion-icons-1509571119242\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571119242\" class=\"accordions-head-title\">Hospice Services<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571119242 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7973-18ab-4bf2-19bf5255417b\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">End of life medical services an individual receives. These services are designed to provide both care and support to the individual and family members. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"42\" header_id=\"header-1509571148892\" id=\"header-1509571148892\" style=\"\" class=\"accordions-head head1509571148892 border-none\" toggle-text=\"\" main-text=\"Hospital Outpatient Care\">\r\n                                            <span id=\"accordion-icons-1509571148892\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571148892\" class=\"accordions-head-title\">Hospital Outpatient Care<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571148892 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7973-df4b-134a-5f05ff8dac11\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Services received in a hospital setting that do not require an overnight hospital stay.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"43\" header_id=\"header-1509571176206\" id=\"header-1509571176206\" style=\"\" class=\"accordions-head head1509571176206 border-none\" toggle-text=\"\" main-text=\"Hospitalization\">\r\n                                            <span id=\"accordion-icons-1509571176206\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571176206\" class=\"accordions-head-title\">Hospitalization<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571176206 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7974-4135-c05d-f43b6d84a59c\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Care that requires that an individual be admitted as a patient in a hospital for inpatient care, and usually requires an overnight stay. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"44\" header_id=\"header-1509571206962\" id=\"header-1509571206962\" style=\"\" class=\"accordions-head head1509571206962 border-none\" toggle-text=\"\" main-text=\"In-network Coinsurance\/Copayment\">\r\n                                            <span id=\"accordion-icons-1509571206962\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571206962\" class=\"accordions-head-title\">In-network Coinsurance\/Copayment<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571206962 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7974-bcbe-d52f-eb7b72b25d47\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The amount you are required to pay for covered services obtained through providers who contract with your health insurer. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"45\" header_id=\"header-1497636096584\" id=\"header-1497636096584\" style=\"\" class=\"accordions-head head1497636096584 border-none\" toggle-text=\"\" main-text=\"Individual Health Insurance Policy\">\r\n                                            <span id=\"accordion-icons-1497636096584\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497636096584\" class=\"accordions-head-title\">Individual Health Insurance Policy<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497636096584 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b211-74ff-a75c-437f8ca89d3a\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A health insurance policy a person qualifies for and enrolls in that is not associated with an employer-sponsored group plan.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"46\" header_id=\"header-1509571252388\" id=\"header-1509571252388\" style=\"\" class=\"accordions-head head1509571252388 border-none\" toggle-text=\"\" main-text=\"Inpatient Care\">\r\n                                            <span id=\"accordion-icons-1509571252388\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571252388\" class=\"accordions-head-title\">Inpatient Care<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571252388 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7975-4163-7a20-968b6840125f\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Care an individual receives while admitted in a hospital or other care facility. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"47\" header_id=\"header-1509571298937\" id=\"header-1509571298937\" style=\"\" class=\"accordions-head head1509571298937 border-none\" toggle-text=\"\" main-text=\"Lifetime Limit\">\r\n                                            <span id=\"accordion-icons-1509571298937\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571298937\" class=\"accordions-head-title\">Lifetime Limit<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571298937 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7976-2851-4b0c-f07763dbbaa5\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A cap on the total benefits an insurance company may provide. Once reached, the insurance plan is no longer required to pay for covered services. The cap could be a total lifetime dollar amount across all benefits, or it could also be total dollar amount on a specific benefit, like organ transplants, for example. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"48\" header_id=\"header-1509571323135\" id=\"header-1509571323135\" style=\"\" class=\"accordions-head head1509571323135 border-none\" toggle-text=\"\" main-text=\"Long-Term Care\">\r\n                                            <span id=\"accordion-icons-1509571323135\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571323135\" class=\"accordions-head-title\">Long-Term Care<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571323135 \">\r\n                    <p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Services provided for individuals who are unable to perform tasks of daily living. These tasks include dressing, bathing, and feeding, among others. Long-term care provides both medical and non-medical services. <\/span><\/p>\n<p>Long-term care can be provided in a number of different settings. These include at home, in a hospital, in an assisted living facility, or within a nursing home. Most health insurance plans do not provide long-term care as a benefit.<\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"49\" header_id=\"header-1509571351454\" id=\"header-1509571351454\" style=\"\" class=\"accordions-head head1509571351454 border-none\" toggle-text=\"\" main-text=\"Medical Loss Ratio (MLR)\">\r\n                                            <span id=\"accordion-icons-1509571351454\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571351454\" class=\"accordions-head-title\">Medical Loss Ratio (MLR)<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571351454 \">\r\n                    <p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">A ratio that encourages insurers to provide value to its customers. The ratio is based on the percentage of premium payments that an insurer uses to pay for the cost of its customers&rsquo; medical claims. The Medical Loss Ratio assumes the remaining portion of premium payments are used for the overhead and other business expenses of the insurance company. These expenses might include administrative costs, marketing and salaries. <\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\">&nbsp;<\/p>\n<p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Under the Affordable Care Act, different markets have varying minimum medical loss ratios.<\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"50\" header_id=\"header-1509571418322\" id=\"header-1509571418322\" style=\"\" class=\"accordions-head head1509571418322 border-none\" toggle-text=\"\" main-text=\"Medically Necessary\">\r\n                                            <span id=\"accordion-icons-1509571418322\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571418322\" class=\"accordions-head-title\">Medically Necessary<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571418322 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7977-c67c-5d8f-851ed29a8eb9\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Medical treatment, services or supplies that are required in order to prevent, diagnose or treat an injury or illness. Medical necessity is the standard used by insurance carriers to justify coverage. Cosmetic procedures are not medically necessary and are typically not covered medical expenses by health insurance. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"51\" header_id=\"header-1509571387549\" id=\"header-1509571387549\" style=\"\" class=\"accordions-head head1509571387549 border-none\" toggle-text=\"\" main-text=\"Medical Underwriting\">\r\n                                            <span id=\"accordion-icons-1509571387549\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571387549\" class=\"accordions-head-title\">Medical Underwriting<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571387549 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7977-3a74-8d9a-d692398f6ced\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A way for insurers to determine the insurability of your health. Gathering information in the medical underwriting process helps insurers determine whether they will offer you insurance, the cost of that coverage and what exclusions and limitations will apply to you. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"52\" header_id=\"header-1509571462696\" id=\"header-1509571462696\" style=\"\" class=\"accordions-head head1509571462696 border-none\" toggle-text=\"\" main-text=\"Minimum Essential Coverage (MEC)\">\r\n                                            <span id=\"accordion-icons-1509571462696\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571462696\" class=\"accordions-head-title\">Minimum Essential Coverage (MEC)<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571462696 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7978-a6d5-bd85-ecf5d2edcaf5\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Under the Affordable Care Act, you are required to have Minimum Essential Coverage. Any health plan that meets this threshold is considered MEC. If you are not enrolled in MEC plan, you will face a penalty under the Affordable Care Act. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"53\" header_id=\"header-1509571778598\" id=\"header-1509571778598\" style=\"\" class=\"accordions-head head1509571778598 border-none\" toggle-text=\"\" main-text=\"Minimum value \">\r\n                                            <span id=\"accordion-icons-1509571778598\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571778598\" class=\"accordions-head-title\">Minimum value <\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571778598 \">\r\n                    <p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">A term that applies to employer-sponsored health plans. Health plans that are designed to pay at least 60% of the cost of medical services for a standard population and offer substantial coverage for physician and inpatient hospital services meet the minimum value threshold under the Affordable Care Act.<\/span><\/p>\n<p>If your employer offers such a plan and you decide to instead enroll in a plan on the Marketplace, you will not be eligible for a premium tax credit. <\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"54\" header_id=\"header-1497636111848\" id=\"header-1497636111848\" style=\"\" class=\"accordions-head head1497636111848 border-none\" toggle-text=\"\" main-text=\" Non-preferred provider\">\r\n                                            <span id=\"accordion-icons-1497636111848\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497636111848\" class=\"accordions-head-title\"> Non-preferred provider<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497636111848 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b211-a218-1f6d-a29ab0894140\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Health insurers contract with various providers. A non-preferred provider is not contracted to provide services under your health plan. You will be required to pay more for services obtained through non-preferred providers.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"55\" header_id=\"header-1509571820149\" id=\"header-1509571820149\" style=\"\" class=\"accordions-head head1509571820149 border-none\" toggle-text=\"\" main-text=\"Obamacare\">\r\n                                            <span id=\"accordion-icons-1509571820149\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571820149\" class=\"accordions-head-title\">Obamacare<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571820149 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-797e-3351-49e7-b367b1dd6f97\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The informal moniker for the Affordable Care Act. The Affordable Care Act is the healthcare reform law enacted in 2010 by the federal government. It is designed to give all Americans access to affordable healthcare coverage.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"56\" header_id=\"header-1509571854513\" id=\"header-1509571854513\" style=\"\" class=\"accordions-head head1509571854513 border-none\" toggle-text=\"\" main-text=\"Open Enrollment Period \">\r\n                                            <span id=\"accordion-icons-1509571854513\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571854513\" class=\"accordions-head-title\">Open Enrollment Period <\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571854513 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-797e-a43d-9434-38e8f20a12ad\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The only time period during the year in which you can enroll in a Obamacare health plan, unless you have a qualifying life event. Outside of the Open Enrollment Period, qualifying life events are a death, marriage, birth of a child or loss of a job. If you are purchasing small business group health insurance through a broker (not from the exchanges), you are not subject to the Open Enrollment Period. You can enroll in health insurance any time during the year.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"57\" header_id=\"header-1497636121571\" id=\"header-1497636121571\" style=\"\" class=\"accordions-head head1497636121571 border-none\" toggle-text=\"\" main-text=\"Out-of-Network Coinsurance\/copayment\">\r\n                                            <span id=\"accordion-icons-1497636121571\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497636121571\" class=\"accordions-head-title\">Out-of-Network Coinsurance\/copayment<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497636121571 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b211-c5c1-b194-2af2ae3acf35\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The amount you are required to pay for covered services obtained through providers who do not contract with your insurer.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"58\" header_id=\"header-1497636131168\" id=\"header-1497636131168\" style=\"\" class=\"accordions-head head1497636131168 border-none\" toggle-text=\"\" main-text=\"Out-of-Pocket Costs\">\r\n                                            <span id=\"accordion-icons-1497636131168\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497636131168\" class=\"accordions-head-title\">Out-of-Pocket Costs<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497636131168 \">\r\n                    <p style=\"text-align: left;\"><span id=\"docs-internal-guid-ddb619c2-b211-eb28-bb96-5b3c8047dafd\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The costs you pay for medical services that are not reimbursed by your health insurer. These costs include coinsurance, copayments, deductibles and the cost of non-covered services.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"59\" header_id=\"header-1497636143687\" id=\"header-1497636143687\" style=\"\" class=\"accordions-head head1497636143687 border-none\" toggle-text=\"\" main-text=\"Out-of-pocket maximum\/limit\">\r\n                                            <span id=\"accordion-icons-1497636143687\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497636143687\" class=\"accordions-head-title\">Out-of-pocket maximum\/limit<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497636143687 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b212-1a46-e405-dcda8a3fa4b9\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The maximum amount you have to pay for covered medical services within a given plan year. Once you hit this threshold for deductibles, coinsurance and copayments, your health plan pays 100% for covered services. Premium payments are not included in your out-of-pocket maximum\/limit.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"60\" header_id=\"header-1509571933491\" id=\"header-1509571933491\" style=\"\" class=\"accordions-head head1509571933491 border-none\" toggle-text=\"\" main-text=\"Patient Protection and Affordable Care Act\">\r\n                                            <span id=\"accordion-icons-1509571933491\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571933491\" class=\"accordions-head-title\">Patient Protection and Affordable Care Act<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571933491 \">\r\n                    <p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">The Affordable Care Act was enacted in stages. The initial stage of the health care reform law, enacted on March 23, 2010, was called the Patient Protection and Affordable Care Act. The law was subsequently amended on March 30, 2010 by the Health Care and Education Reconciliation Act.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\">&nbsp;<\/p>\n<p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">As a means of simplification, the final version of the law is typically referred to as the Affordable Care Act. It is designed to give all Americans access to affordable healthcare coverage. <\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"61\" header_id=\"header-1509571967874\" id=\"header-1509571967874\" style=\"\" class=\"accordions-head head1509571967874 border-none\" toggle-text=\"\" main-text=\"Plan Year\">\r\n                                            <span id=\"accordion-icons-1509571967874\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571967874\" class=\"accordions-head-title\">Plan Year<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571967874 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7980-5b3b-8165-762cf22c5674\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The 12-month period in which you are enrolled in a group health plan and receive coverage under the plan. Health coverage must be renewed annually. The plan year does not necessarily coincide with the calendar year. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"62\" header_id=\"header-1497636153002\" id=\"header-1497636153002\" style=\"\" class=\"accordions-head head1497636153002 border-none\" toggle-text=\"\" main-text=\"Platinum Health Plan\">\r\n                                            <span id=\"accordion-icons-1497636153002\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497636153002\" class=\"accordions-head-title\">Platinum Health Plan<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497636153002 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b212-40fd-643f-a91f1286e5de\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">The federal health insurance marketplace divides health plans into four metal levels. The platinum health plan is one of those levels. These plans typically have the highest monthly premiums of any of the four levels of health plans. The tradeoff is that platinum health plans pay the most when you need medical care.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"63\" header_id=\"header-1509571991998\" id=\"header-1509571991998\" style=\"\" class=\"accordions-head head1509571991998 border-none\" toggle-text=\"\" main-text=\"Point of Service (POS) Plans \">\r\n                                            <span id=\"accordion-icons-1509571991998\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509571991998\" class=\"accordions-head-title\">Point of Service (POS) Plans <\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509571991998 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7980-ee51-837d-763d48aebc8d\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A type of health plan in which you incur fewer costs for utilizing doctors, hospitals and other health care providers that are in the health plan&rsquo;s network. This type of plan also requires a primary care physician referral for visits to specialists.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"64\" header_id=\"header-1497636170370\" id=\"header-1497636170370\" style=\"\" class=\"accordions-head head1497636170370 border-none\" toggle-text=\"\" main-text=\"Preauthorization\">\r\n                                            <span id=\"accordion-icons-1497636170370\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497636170370\" class=\"accordions-head-title\">Preauthorization<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497636170370 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b212-84b0-5d9f-53f705f39f14\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Some health plans require that you obtain preauthorization before seeking certain covered services. While preauthorization is not a guarantee from a health insurer to pay its portion of the cost for a covered medical service, it is a finding that the given service, treatment, prescription drug or device is medically necessary.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"65\" header_id=\"header-1497636179671\" id=\"header-1497636179671\" style=\"\" class=\"accordions-head head1497636179671 border-none\" toggle-text=\"\" main-text=\"Preferred Provider\">\r\n                                            <span id=\"accordion-icons-1497636179671\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497636179671\" class=\"accordions-head-title\">Preferred Provider<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497636179671 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b212-bdd9-1dc7-7030a9406968\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A provider who contracts with or works for your health insurance company. You can obtain services from preferred providers at a discounted rate.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"66\" header_id=\"header-1509572046457\" id=\"header-1509572046457\" style=\"\" class=\"accordions-head head1509572046457 border-none\" toggle-text=\"\" main-text=\"Preferred Provider Organization (PPO)\">\r\n                                            <span id=\"accordion-icons-1509572046457\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509572046457\" class=\"accordions-head-title\">Preferred Provider Organization (PPO)<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509572046457 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7981-8fec-8064-220c70a3a6f0\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A type of health plan that has a provider network made up of preferred providers. These providers include doctors and hospitals. You can obtain services from preferred providers at a discounted rate, however seeking treatment outside of your preferred provider network is not prohibited. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"67\" header_id=\"header-1497636196087\" id=\"header-1497636196087\" style=\"\" class=\"accordions-head head1497636196087 border-none\" toggle-text=\"\" main-text=\"Premium\">\r\n                                            <span id=\"accordion-icons-1497636196087\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497636196087\" class=\"accordions-head-title\">Premium<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497636196087 \">\r\n                    <p>The amount you pay your insurer for health insurance coverage. Premiums are typically paid on a monthly basis.<\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"68\" header_id=\"header-1509572077389\" id=\"header-1509572077389\" style=\"\" class=\"accordions-head head1509572077389 border-none\" toggle-text=\"\" main-text=\"Prescription Drug Coverage\">\r\n                                            <span id=\"accordion-icons-1509572077389\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509572077389\" class=\"accordions-head-title\">Prescription Drug Coverage<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509572077389 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7982-09d3-c43a-daa3f4c90c63\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Coverage that pays a portion of the cost of prescription drugs. This coverage could be a part of your health insurance plan, or it could also be a standalone plan. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"69\" header_id=\"header-1509572100219\" id=\"header-1509572100219\" style=\"\" class=\"accordions-head head1509572100219 border-none\" toggle-text=\"\" main-text=\"Prescription Drugs\">\r\n                                            <span id=\"accordion-icons-1509572100219\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509572100219\" class=\"accordions-head-title\">Prescription Drugs<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509572100219 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7982-7f1d-7029-e3d4141a6431\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Drugs that cannot be purchased over-the-counter and, by law, require that your doctor request that they be made available to you. This request is called a prescription.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"70\" header_id=\"header-1509572144845\" id=\"header-1509572144845\" style=\"\" class=\"accordions-head head1509572144845 border-none\" toggle-text=\"\" main-text=\"Preventative Services\">\r\n                                            <span id=\"accordion-icons-1509572144845\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509572144845\" class=\"accordions-head-title\">Preventative Services<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509572144845 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7983-0ad6-ee08-591891c58f01\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Health care services that are designed to prevent or catch health conditions and illnesses before those conditions become advanced. These services include routine doctor visits, screenings, and patient counseling.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"71\" header_id=\"header-1509572259495\" id=\"header-1509572259495\" style=\"\" class=\"accordions-head head1509572259495 border-none\" toggle-text=\"\" main-text=\"Primary Care\">\r\n                                            <span id=\"accordion-icons-1509572259495\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509572259495\" class=\"accordions-head-title\">Primary Care<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509572259495 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7984-c59c-5d6e-769050be6bad\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Care that centers on prevention, but also covers treatment for common illnesses that do not require a specialist. Primary care providers include doctors, nurses and nurse practitioners. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"72\" header_id=\"header-1509572280616\" id=\"header-1509572280616\" style=\"\" class=\"accordions-head head1509572280616 border-none\" toggle-text=\"\" main-text=\"Primary Care Physician\">\r\n                                            <span id=\"accordion-icons-1509572280616\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509572280616\" class=\"accordions-head-title\">Primary Care Physician<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509572280616 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7985-33f1-55ed-10a69ce97154\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A physician with whom you visit for primary care services. These services include preventive services and treatment for common medical conditions. You typically have a long-standing relationship with your primary care physician, and this physician is typically well-informed about your medical history. This physician not only provides services to you, but also coordinates services with other providers when necessary.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"73\" header_id=\"header-1509572331262\" id=\"header-1509572331262\" style=\"\" class=\"accordions-head head1509572331262 border-none\" toggle-text=\"\" main-text=\"Qualifying Life Event (QLE)\">\r\n                                            <span id=\"accordion-icons-1509572331262\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509572331262\" class=\"accordions-head-title\">Qualifying Life Event (QLE)<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509572331262 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7985-e5b7-bc4b-a9aa73a63366\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A life event that grants you access to enroll in an Obamacare health plan on the health insurance exchange outside of the established Open Enrollment period. Such events include, termination of employment, marriage, the birth of a child, divorce, and death of a policyholder, amongst others. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"74\" header_id=\"header-1509572355333\" id=\"header-1509572355333\" style=\"\" class=\"accordions-head head1509572355333 border-none\" toggle-text=\"\" main-text=\"SHOP (Small Business Health Options Program) Marketplace\">\r\n                                            <span id=\"accordion-icons-1509572355333\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509572355333\" class=\"accordions-head-title\">SHOP (Small Business Health Options Program) Marketplace<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509572355333 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7986-4386-34f0-e0fefc368b25\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; color: #323232; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A health insurance exchange designed to help small business owners provide medical and dental insurance to employees. This exchange is either offered through the federal exchange or individual state exchanges. Eligibility requirements vary at the federal and state level. If requirements are met, employers might qualify for tax credits if they purchase health insurance through the SHOP Marketplace. <\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"75\" header_id=\"header-1497636206027\" id=\"header-1497636206027\" style=\"\" class=\"accordions-head head1497636206027 border-none\" toggle-text=\"\" main-text=\"Silver Health Plan\">\r\n                                            <span id=\"accordion-icons-1497636206027\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497636206027\" class=\"accordions-head-title\">Silver Health Plan<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497636206027 \">\r\n                    <p>The federal health insurance marketplace divides health plans into four metal levels. The silver health plan is one of those levels. These plans offer the lower monthly premium than Gold Health Plans, however the cost of copays and deductibles is higher. Silver Health Plans fall in the middle of the spectrum when it comes to costs, and are the most popular level selected.<\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"76\" header_id=\"header-1509572389962\" id=\"header-1509572389962\" style=\"\" class=\"accordions-head head1509572389962 border-none\" toggle-text=\"\" main-text=\"Skilled Nursing Care\">\r\n                                            <span id=\"accordion-icons-1509572389962\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509572389962\" class=\"accordions-head-title\">Skilled Nursing Care<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509572389962 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7986-91b3-f8f6-f97b495de50d\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Services you received from licensed nurses in your home or in a skilled nursing facility.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"77\" header_id=\"header-1509572419972\" id=\"header-1509572419972\" style=\"\" class=\"accordions-head head1509572419972 border-none\" toggle-text=\"\" main-text=\"Special Enrollment Period (SEP)\">\r\n                                            <span id=\"accordion-icons-1509572419972\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509572419972\" class=\"accordions-head-title\">Special Enrollment Period (SEP)<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509572419972 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7987-4c69-b8e1-4c3ce0b87342\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">A period in which you can enroll in an Obamacare health plan on the health insurance exchange outside of the established Open Enrollment Period. In order to qualify for a Special Enrollment Period, you must experience a Qualifying Life Event (QLE).<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"78\" header_id=\"header-1497636215286\" id=\"header-1497636215286\" style=\"\" class=\"accordions-head head1497636215286 border-none\" toggle-text=\"\" main-text=\"Summary of Benefits and Coverage (SBC)\">\r\n                                            <span id=\"accordion-icons-1497636215286\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497636215286\" class=\"accordions-head-title\">Summary of Benefits and Coverage (SBC)<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497636215286 \">\r\n                    <p>A short, easy-to-read and understand document which health insurers are required to provide. The SBC allows you to easily make comparisons between health plans.<\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"79\" header_id=\"header-1497636225351\" id=\"header-1497636225351\" style=\"\" class=\"accordions-head head1497636225351 border-none\" toggle-text=\"\" main-text=\"Vision Coverage\">\r\n                                            <span id=\"accordion-icons-1497636225351\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1497636225351\" class=\"accordions-head-title\">Vision Coverage<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1497636225351 \">\r\n                    <p><span id=\"docs-internal-guid-ddb619c2-b213-5561-641e-a02883a7865d\"><span style=\"font-size: 11pt; font-family: Arial; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Insurance coverage that helps pay for the cost of vision care services. All health plans must provide vision coverage for children. If your health plan does not include vision coverage for adults, you can purchase a standalone plan. \u00a0<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"80\" header_id=\"header-1509572460959\" id=\"header-1509572460959\" style=\"\" class=\"accordions-head head1509572460959 border-none\" toggle-text=\"\" main-text=\"Well-baby and Well-child Visits\">\r\n                                            <span id=\"accordion-icons-1509572460959\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509572460959\" class=\"accordions-head-title\">Well-baby and Well-child Visits<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509572460959 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7987-b1ca-729f-232a3a0ab4dd\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">An essential benefit required under the Affordable Care Act. These visits are routine, preventive health visits that babies receive at dictated intervals until the age of two, and that children receive annually until the age of 21. Services include physical exam and measurements, vision and hearing screening, and oral health risk assessments.<\/span><\/span><\/p>\n                <\/div>\r\n                                <div post_id=\"1392\" itemcount=\"81\" header_id=\"header-1509572483869\" id=\"header-1509572483869\" style=\"\" class=\"accordions-head head1509572483869 border-none\" toggle-text=\"\" main-text=\"Wellness Programs\">\r\n                                            <span id=\"accordion-icons-1509572483869\" class=\"accordion-icons\">\r\n                            <span class=\"accordion-icon-active accordion-plus\"><i class=\"fa fa-chevron-up\"><\/i><\/span>\r\n                            <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n                        <\/span>\r\n                        <span id=\"header-text-1509572483869\" class=\"accordions-head-title\">Wellness Programs<\/span>\r\n                                        <\/div>\r\n                <div class=\"accordion-content content1509572483869 \">\r\n                    <p><span id=\"docs-internal-guid-bf16d744-7988-349b-6af8-6895ae8eaedd\"><span style=\"font-size: 12pt; font-family: 'Helvetica Neue'; background-color: transparent; vertical-align: baseline; white-space: pre-wrap;\">Programs, typically offered through a workplace, that are designed to improve health and fitness. In exchange for participation, employers often offer premium discounts, gym memberships, rewards and other incentives. Some insurance companies also offer such programs directly to enrollees. Programs might include weight loss programs, smoking cessation programs, and nutrition programs, amongst others. <\/span><\/span><\/p>\n                <\/div>\r\n                    <\/div>\r\n    <script>\r\n        jQuery(document).ready(function($){accordions_active_index_1392 = {\"1509569115134\":0};        })\r\n    <\/script><script type=\"application\/ld+json\">\r\n{\r\n    \"@context\": \"https:\/\/schema.org\",\r\n    \"@type\": \"FAQPage\",\r\n    \"mainEntity\": [{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Actuarial Value\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Demo Content\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Advance Premium Tax Credit (APTC)\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The tax credit available to you, based on your expected annual income, which lowers the monthly cost of health insurance premiums. You will be required to pay back any advance that is in excess of what you are eligible for when you file your taxes. If your advance was less than what you were eligible for, you will get the remainder as a credit when you file your taxes.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Affordable Care Act (ACA)\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The healthcare reform law enacted in 2010 by the federal government.\u00a0The laws govern certain aspects of health insurance, what must be covered, and how insurance can be priced amongst other things. The Affordable Care Act is also often referred to as \u201cObamacare.\u201d\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Affordable coverage\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"This term centers on job-based health plans. To be deemed &ldquo;affordable,&rdquo; the plan must cost 9.69% or less of the employee&rsquo;s total household income.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Allowed amount\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The amount a health plan, by contract, will pay for a covered service. Any cost above the allowed amount will be the responsibility of the insured.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Annual Limit\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A yearly limit, or cap, decided by your insurance company, that will be paid for certain benefits covered under your health plan. Once the cap is met, you are responsible for all remaining costs for related covered services. The annual cap may be placed on the total dollar amount your insurance company will pay or on the number of visits your insurance company will cover for a particular service.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Appeal\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A request you submit to your insurance company to review a decision to deny coverage or to adjust the amount paid for a covered expense. You always have the right to appeal a decision made by your health insurance company. Your policy will outline the steps you have to follow in order to file an appeal.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Benefits\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Health care services that are covered under a health plan. Health plan benefits are outlined in the plan&rsquo;s coverage documents.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Brand Name (Drugs)\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Patent-protected drugs that are sold under a specific patented name by a specific company. These drugs can be either prescription or sold over-the-counter.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Broker\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"An individual or business who aids you in enrolling in a health insurance plan. A broker can make recommendations about what plan might be best for you. A broker must be licensed in the state in which the entity is seeking health coverage.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Bronze Health Plan\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The federal health insurance marketplace divides health plans into four metal levels. The bronze health plan is one of those levels. These plans offer the lowest monthly premiums in exchange for higher levels of self-insurance. These plans best serve individuals who generally have few health care needs.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Catastrophic Health Plan\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A type of health plan that has limited benefits. The plan only covers three primary care visits per year and nothing else before the plan&rsquo;s deductible is met. This type of plan offers a lower monthly premium, but also requires higher out-of-pocket costs for deductibles, copayments and coinsurance. \r\n&nbsp;\r\nThere are certain requirements that must be met to qualify for a Catastrophic Health Plan. You must either be under the age of 30 or get a hardship exemption as a result of being deemed unable to afford health insurance.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Chronic Disease Management\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A method of health care that reduces costs and can improve overall quality of life. It includes measures that prevent and minimize the impact of diseases. Some of these measures include screenings, routine check-ups, monitoring and patient education.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Claim\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The payment requests health care providers or pharmacies submit to insurance companies, based on services or drugs provided to insured individuals.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"COBRA\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Federally-mandated, temporary bridge health insurance coverage for individuals who lose coverage through termination of employment or as the dependent of a covered employee. This coverage is used to fill a gap in insurance coverage that may occur. COBRA is expensive, in that it requires covered individuals to pay 100% if the monthly premium. COBRA is an acronym for Consolidated Omnibus Budget Reconciliation Act.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Coordination of Benefits\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A method for determining the hierarchy of payment when more than one insurance company is responsible for paying for the same medical claim.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Coinsurance\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The portion or percentage of a health care cost that you are responsible for once your deductible is met. Under your health plan, you are responsible for both your deductible and coinsurance.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Copayment \/ Copay\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A set amount you pay for various services under a health plan. The amount typically varies depending on the service received and the individual plan. Some copayments are only offered after you have met your deductible while other copayments can be used outside of your deductible. Read the plan&#039;s details for more information.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Cost Sharing\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The share of costs covered by a health plan that you are responsible for paying out-of-pocket. Not included in this amount are the costs of non-covered services, costs for out-of-network providers, and premiums.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Deductible\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The amount you are responsible for paying for covered services before the insurance company begins paying its portion.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Dental Coverage\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"&nbsp;\r\nInsurance coverage that helps pay for the cost of dental visits. Services include routine services like cleaning, X-rays and fillings. Some health insurance plans include dental coverage, and there are also standalone dental coverage plans.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Disability\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A physical limitation that impacts the life of the disabled individual. A disability can impact any number of life functions, including but not limited to, cognitive ability, sensory ability, and mobility.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Emergency Medical Condition\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"An injury or illness that would cause a reasonable person to seek immediate medical care in order to prevent severe harm.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Emergency Medical Transportation\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Transportation via a vehicle or other mode of transportation provided by emergency medical services professionals.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Emergency Services\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"&nbsp;\r\nServices provided in the event of an emergency medical condition. The services are provided to prevent such conditions from worsening.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Essential Health Benefits\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The Affordable Care Act requires that insurers cover Essential Health Benefits, which includes of set of 10 categories of service. These services are: ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, prescription drugs, rehabilitative services and devices, laboratory services, preventative and wellness services, including chronic disease management, and pediatric services, including dental and vision care.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Evidence of Coverage (EOC)\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A document provided by your health insurance company that contains details and information about your specific health coverage.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Exchange\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Also known as a Health Insurance Marketplace, an Exchange is a set of tools and services that aids individuals in the process of searching for, comparing and enrolling in affordable health insurance. The exchanges also provide information about programs that help individuals of low to moderate income pay for health insurance. The exchange run by the federal government can be found at HealthCare.gov. You can also obtain assistance from the Health Insurance Marketplace by calling for assistance or soliciting in-person help. \r\n&nbsp;\r\nBased on the information you provide, the Health Insurance Marketplace lets you know which plans you can enroll in and what premium tax credit or subsidy amount you might qualify for. \r\nMany states also have health insurance marketplaces which they run separately from the federal government Marketplace.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Exclusive Provider Organization (EPO) Plan\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A type of health plan that covers medical services only when enrolled individuals seek treatment from providers or hospitals that are in the plan&rsquo;s network, except in the case of emergencies.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Flexible Spending Account (FSA)\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"An account associated with an employer-sponsored health plan that allows individuals to contribute pre-tax funds to cover expenses associated with the cost of health care and other medical expenses. The contributed funds can be used to cover expenses like copayments, prescription drugs, and medical devices. This is not an exhaustive list.\r\n&nbsp;\r\nIndividuals are free to choose the amount to contribute, and this amount is taken out of the individual&rsquo;s paycheck before taxes are assessed. The health plan that an employer sponsors sets a limit to the amount that can be annually contributed to a flexible spending account. \r\n&nbsp;\r\nFunds contributed to the flexible spending account do not carry over and must be used within the calendar year they are contributed. &nbsp;\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Full-Time Employee (FTE)\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"An employee who works an average of 30 hours per week for 120 days per year is considered a full-time employee.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Generic Drugs\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Prescription drugs that are no longer patent-protected and are sold by drug manufacturers under a different name than the original brand name drug. These drugs have the same active ingredient formula as the brand name drug.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Grievance\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"&nbsp;\r\nA complaint an insured individual formally communicates with an insurer.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Gold Health Plan\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The federal health insurance marketplace divides health plans into four metal levels. The gold health plan is one of those levels. These plans typically have higher monthly premiums, but the cost of care for the insured is less. These plans are generally more beneficial for individuals who need more medical care or for those who prefer to pay more on the front end.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Health Insurance\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Through a contract or policy, health insurance is an agreement by an insurer to pay a portion of the policyholder&rsquo;s medical expenses in exchange for the payment of a premium.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Health Insurance Marketplace\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The Health Insurance Marketplace is a set of tools and services that aids individuals in the process of searching for, comparing and enrolling in affordable health insurance. The Marketplace also provides information about programs that help individuals of low to moderate income pay for health insurance. The Marketplace run by the federal government can be found at HealthCare.gov. You can also obtain assistance from the Health Insurance Marketplace by calling for assistance or soliciting in-person help. \r\n&nbsp;\r\nBased on the information you provide, the Health Insurance Marketplace lets you know what plans you can enroll in and what premium tax credits you might qualify for. \r\nMany states also have marketplaces which they run separate from the federal government Marketplace.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Health Maintenance Organization (HMO)\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A type of health plan that covers care obtained through providers who contract with or work for the HMO. Out-of-network coverage is generally limited to emergency situations. The premise behind an HMO is to utilize a group of providers who work together for an integrative and preventative type of care.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Health Savings Account (HSA)\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A savings accounts that allows you to contribute pre-tax money to cover qualified medical expenses. HSAs are only allowed in conjunction with a High Deductible Health Plan.\r\nFunds contributed to a HSA roll over year to year.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Health Reimbursement Account (HRA)\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A type of employer-funded group health plan that reimburses employees tax-free, up to a set dollar amount per year, for qualified medical expenses. Any unused portion can be rolled over year to year. HRAs are designed to act as full health benefits solutions so that employers can pay all or some of the medical expenses of employees.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"High Deductible Health Plan (HDHP)\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A plan that requires you to pay a higher deductible than most traditional insurance plans. In exchange for the higher deductible, you often pay a lower monthly premium. The cost of care before the insurance begins paying its portion is generally more expensive than that associated with traditional health plans. A HDHP can be combined with Health Savings Account to help covered qualified medical expenses.\r\n&nbsp;\r\nAccording to the IRS, a HDHP is any plan where the deductible is at least $1,300 for an individual or $2,600 for a family. Total yearly out-of-pocket costs for a HDHP cannot exceed $6,550 for an individual or $13,100 for a family.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Home Health Care\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Health care services that an individual receives at home as opposed to at the location of the provider.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Hospice Services\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"End of life medical services an individual receives. These services are designed to provide both care and support to the individual and family members.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Hospital Outpatient Care\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Services received in a hospital setting that do not require an overnight hospital stay.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Hospitalization\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Care that requires that an individual be admitted as a patient in a hospital for inpatient care, and usually requires an overnight stay.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"In-network Coinsurance\/Copayment\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The amount you are required to pay for covered services obtained through providers who contract with your health insurer.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Individual Health Insurance Policy\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A health insurance policy a person qualifies for and enrolls in that is not associated with an employer-sponsored group plan.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Inpatient Care\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Care an individual receives while admitted in a hospital or other care facility.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Lifetime Limit\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A cap on the total benefits an insurance company may provide. Once reached, the insurance plan is no longer required to pay for covered services. The cap could be a total lifetime dollar amount across all benefits, or it could also be total dollar amount on a specific benefit, like organ transplants, for example.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Long-Term Care\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Services provided for individuals who are unable to perform tasks of daily living. These tasks include dressing, bathing, and feeding, among others. Long-term care provides both medical and non-medical services. \r\nLong-term care can be provided in a number of different settings. These include at home, in a hospital, in an assisted living facility, or within a nursing home. Most health insurance plans do not provide long-term care as a benefit.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Medical Loss Ratio (MLR)\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A ratio that encourages insurers to provide value to its customers. The ratio is based on the percentage of premium payments that an insurer uses to pay for the cost of its customers&rsquo; medical claims. The Medical Loss Ratio assumes the remaining portion of premium payments are used for the overhead and other business expenses of the insurance company. These expenses might include administrative costs, marketing and salaries. \r\n&nbsp;\r\nUnder the Affordable Care Act, different markets have varying minimum medical loss ratios.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Medically Necessary\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Medical treatment, services or supplies that are required in order to prevent, diagnose or treat an injury or illness. Medical necessity is the standard used by insurance carriers to justify coverage. Cosmetic procedures are not medically necessary and are typically not covered medical expenses by health insurance.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Medical Underwriting\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A way for insurers to determine the insurability of your health. Gathering information in the medical underwriting process helps insurers determine whether they will offer you insurance, the cost of that coverage and what exclusions and limitations will apply to you.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Minimum Essential Coverage (MEC)\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Under the Affordable Care Act, you are required to have Minimum Essential Coverage. Any health plan that meets this threshold is considered MEC. If you are not enrolled in MEC plan, you will face a penalty under the Affordable Care Act.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Minimum value\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A term that applies to employer-sponsored health plans. Health plans that are designed to pay at least 60% of the cost of medical services for a standard population and offer substantial coverage for physician and inpatient hospital services meet the minimum value threshold under the Affordable Care Act.\r\nIf your employer offers such a plan and you decide to instead enroll in a plan on the Marketplace, you will not be eligible for a premium tax credit.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Non-preferred provider\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Health insurers contract with various providers. A non-preferred provider is not contracted to provide services under your health plan. You will be required to pay more for services obtained through non-preferred providers.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Obamacare\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The informal moniker for the Affordable Care Act. The Affordable Care Act is the healthcare reform law enacted in 2010 by the federal government. It is designed to give all Americans access to affordable healthcare coverage.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Open Enrollment Period\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The only time period during the year in which you can enroll in a Obamacare health plan, unless you have a qualifying life event. Outside of the Open Enrollment Period, qualifying life events are a death, marriage, birth of a child or loss of a job. If you are purchasing small business group health insurance through a broker (not from the exchanges), you are not subject to the Open Enrollment Period. You can enroll in health insurance any time during the year.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Out-of-Network Coinsurance\/copayment\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The amount you are required to pay for covered services obtained through providers who do not contract with your insurer.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Out-of-Pocket Costs\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The costs you pay for medical services that are not reimbursed by your health insurer. These costs include coinsurance, copayments, deductibles and the cost of non-covered services.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Out-of-pocket maximum\/limit\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The maximum amount you have to pay for covered medical services within a given plan year. Once you hit this threshold for deductibles, coinsurance and copayments, your health plan pays 100% for covered services. Premium payments are not included in your out-of-pocket maximum\/limit.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Patient Protection and Affordable Care Act\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The Affordable Care Act was enacted in stages. The initial stage of the health care reform law, enacted on March 23, 2010, was called the Patient Protection and Affordable Care Act. The law was subsequently amended on March 30, 2010 by the Health Care and Education Reconciliation Act.\r\n&nbsp;\r\nAs a means of simplification, the final version of the law is typically referred to as the Affordable Care Act. It is designed to give all Americans access to affordable healthcare coverage.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Plan Year\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The 12-month period in which you are enrolled in a group health plan and receive coverage under the plan. Health coverage must be renewed annually. The plan year does not necessarily coincide with the calendar year.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Platinum Health Plan\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The federal health insurance marketplace divides health plans into four metal levels. The platinum health plan is one of those levels. These plans typically have the highest monthly premiums of any of the four levels of health plans. The tradeoff is that platinum health plans pay the most when you need medical care.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Point of Service (POS) Plans\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A type of health plan in which you incur fewer costs for utilizing doctors, hospitals and other health care providers that are in the health plan&rsquo;s network. This type of plan also requires a primary care physician referral for visits to specialists.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Preauthorization\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Some health plans require that you obtain preauthorization before seeking certain covered services. While preauthorization is not a guarantee from a health insurer to pay its portion of the cost for a covered medical service, it is a finding that the given service, treatment, prescription drug or device is medically necessary.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Preferred Provider\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A provider who contracts with or works for your health insurance company. You can obtain services from preferred providers at a discounted rate.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Preferred Provider Organization (PPO)\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A type of health plan that has a provider network made up of preferred providers. These providers include doctors and hospitals. You can obtain services from preferred providers at a discounted rate, however seeking treatment outside of your preferred provider network is not prohibited.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Premium\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The amount you pay your insurer for health insurance coverage. Premiums are typically paid on a monthly basis.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Prescription Drug Coverage\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Coverage that pays a portion of the cost of prescription drugs. This coverage could be a part of your health insurance plan, or it could also be a standalone plan.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Prescription Drugs\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Drugs that cannot be purchased over-the-counter and, by law, require that your doctor request that they be made available to you. This request is called a prescription.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Preventative Services\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Health care services that are designed to prevent or catch health conditions and illnesses before those conditions become advanced. These services include routine doctor visits, screenings, and patient counseling.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Primary Care\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Care that centers on prevention, but also covers treatment for common illnesses that do not require a specialist. Primary care providers include doctors, nurses and nurse practitioners.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Primary Care Physician\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A physician with whom you visit for primary care services. These services include preventive services and treatment for common medical conditions. You typically have a long-standing relationship with your primary care physician, and this physician is typically well-informed about your medical history. This physician not only provides services to you, but also coordinates services with other providers when necessary.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Qualifying Life Event (QLE)\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A life event that grants you access to enroll in an Obamacare health plan on the health insurance exchange outside of the established Open Enrollment period. Such events include, termination of employment, marriage, the birth of a child, divorce, and death of a policyholder, amongst others.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"SHOP (Small Business Health Options Program) Marketplace\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A health insurance exchange designed to help small business owners provide medical and dental insurance to employees. This exchange is either offered through the federal exchange or individual state exchanges. Eligibility requirements vary at the federal and state level. If requirements are met, employers might qualify for tax credits if they purchase health insurance through the SHOP Marketplace.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Silver Health Plan\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"The federal health insurance marketplace divides health plans into four metal levels. The silver health plan is one of those levels. These plans offer the lower monthly premium than Gold Health Plans, however the cost of copays and deductibles is higher. Silver Health Plans fall in the middle of the spectrum when it comes to costs, and are the most popular level selected.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Skilled Nursing Care\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Services you received from licensed nurses in your home or in a skilled nursing facility.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Special Enrollment Period (SEP)\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A period in which you can enroll in an Obamacare health plan on the health insurance exchange outside of the established Open Enrollment Period. In order to qualify for a Special Enrollment Period, you must experience a Qualifying Life Event (QLE).\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Summary of Benefits and Coverage (SBC)\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"A short, easy-to-read and understand document which health insurers are required to provide. The SBC allows you to easily make comparisons between health plans.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Vision Coverage\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Insurance coverage that helps pay for the cost of vision care services. All health plans must provide vision coverage for children. If your health plan does not include vision coverage for adults, you can purchase a standalone plan. \u00a0\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Well-baby and Well-child Visits\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"An essential benefit required under the Affordable Care Act. These visits are routine, preventive health visits that babies receive at dictated intervals until the age of two, and that children receive annually until the age of 21. Services include physical exam and measurements, vision and hearing screening, and oral health risk assessments.\"\r\n            }\r\n        },{\r\n        \"@type\": \"Question\",\r\n        \"name\": \"Wellness Programs\",\r\n        \"acceptedAnswer\":{\r\n            \"@type\": \"Answer\",\r\n            \"text\": \"Programs, typically offered through a workplace, that are designed to improve health and fitness. In exchange for participation, employers often offer premium discounts, gym memberships, rewards and other incentives. Some insurance companies also offer such programs directly to enrollees. Programs might include weight loss programs, smoking cessation programs, and nutrition programs, amongst others.\"\r\n            }\r\n        }]\r\n}\r\n<\/script>    <script>\r\n        jQuery(document).ready(function($){\r\n            accordion_1392  = $(\"#accordions-1392 .items\").accordion({\r\n                event: \"click\",\r\n                collapsible:true,\r\n                heightStyle: \"content\",\r\n                animate: (\"swing\", 1000),\r\n                navigation: true,\r\n                active: 999,\r\n                            });\r\n        })\r\n    <\/script>\r\n                <\/div>\n<p><img loading=\"lazy\" class=\"alignnone size-full wp-image-44\" src=\"https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2016\/10\/get-a-quote1.png\" alt=\"Get Instant Health Insurance Quote\" width=\"936\" height=\"455\" srcset=\"https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2016\/10\/get-a-quote1.png 936w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2016\/10\/get-a-quote1-300x146.png 300w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2016\/10\/get-a-quote1-768x373.png 768w\" sizes=\"(max-width: 936px) 100vw, 936px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We\u2019ve assembled the most commonly asked questions for those new to group health insurance. Can\u2019t find the answer to your question? Call us at (888) 584-9220 or email us at support@simplyinsured.com. Ready to get an instant quote and enroll in a great plan? Get started here. Small Group Health Insurance Selecting A Plan Health Insurance&#8230;<\/p>\n","protected":false},"author":2,"featured_media":1502,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false},"categories":[2],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.7 (Yoast SEO v19.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Health Insurance 101 - Frequently Asked Questions<\/title>\n<meta name=\"description\" content=\"We&#039;ve assembled the most frequently asked questions about small group health insurance. 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