fertchi.blogg.se - Health insurance marketplace in tabulo

#Health insurance marketplace in tabulo license#

The Health Insurance Marketplace – also known as Health Exchanges – is part of the Patient Protection and Affordable Care Act. Since becoming an insurance agent in 2013, she has worked with some of the largest and most reputable insurance carriers and agencies in the nation, and she has built a large and loyal clientele by way of her commitment to transparency and personalized service.People without access to health insurance can enroll for standardized coverage through the health insurance marketplaces that are run by their state, the federal government, or a combination of the two. Seeing firsthand how unsuspecting patients are frequently confused by an overly complex system they don’t understand led Burns to become an insurance agent and health care consultant, now helping people understand the medical system. As a nurse, Burns supported patients filing insurance claims with Medicare, Medicaid, and private insurance companies as well as responding to billing questions from confused patients. She’s always been driven by a desire to help people, spending more than 25 years as a practicing nurse in hospitals, private doctors’ offices, home health, and hospice.

#Health insurance marketplace in tabulo license#

She maintains an active nursing license and practices private-duty nursing.īurns’ background as a nurse, insurance biller and coder, and insurance consultant includes infectious disease, oncology, gynecology, phlebotomy, post operative, family medicine, geriatrics, home health, hospice, human resources, management, billing, coding, claims, fixed annuities, group and individual health and life products, and Medicare. Burns is Affordable Care Act (ACA)-certified for health insurance and other ancillary, life, and annuity products. She earned her nursing degree in 1990 from Jacksonville State University, obtained her insurance billing and coding certification in 1995, and holds a health and life insurance license in Alabama, Georgia, Iowa, Mississippi, and Tennessee. Tammy Burns is an experienced health insurance advisor. However, unlike premium credits, which are available for any metal level of coverage ― Bronze, Silver, Gold, or Platinum ― cost-sharing credits are only available under Silver plans to make the actuarial value more like a Gold or Platinum plan.

Those with lower incomes will receive more generous subsidies than those with higher incomes. Like premium credits, cost-sharing credits work on a sliding scale based on income.

Cost-sharing credits reduce your responsibility for other out-of-pocket expenses, such as deductibles, copayments, and coinsurance.

The lower the income, the higher the subsidy. The amount of the credit is based on estimated income for the coming year. The advance premium tax credit (APTC) option pays 1/12 of the credit directly to the insurance provider every month, thereby reducing the amount you must pay. You have the option to have the credit paid in advance directly to the plan insurer every month or claim the credit later in a tax return.

Premium credits are applied toward your monthly premium payments for plans purchased through the marketplace to reduce the cost.

Generally, there are two types of healthcare subsidies: premium credits and cost-sharing credits: