Helping Job Hunters Navigate Their Health Insurance Options

“ Helping Job Hunters Navigate Health Insurance Options” David Pomeranz The Career Place October 13, 2009

The purposes of this presentation … ,[object Object],[object Object]

“ The Golden Rule:” ,[object Object],[object Object],[object Object]

To the extent possible: ,[object Object],[object Object],[object Object]

ALWAYS : HEALTH INSURANCE COVERAGE !!!

If you lose coverage, first check -- ,[object Object],[object Object]

Other health insurance options for job hunters … ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

COBRA: what is it? ,[object Object],[object Object]

COBRA: when does it apply? ,[object Object],[object Object],[object Object],[object Object],[object Object]

COBRA: when does it not apply? ,[object Object]

If COBRA is in effect … ,[object Object],[object Object]

COBRA subsidy programs ,[object Object],[object Object]

Federal stimulus law ,[object Object],[object Object],[object Object]

Massachusetts’ Medical Security Program ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

What are “Federal Poverty Levels” (FPLs)? ,[object Object],[object Object],[object Object],[object Object]

2009-2010 FPLs for programs to be discussed $88,200 $66,150 $22,050 4 $73,240 $54,930 $18,310 3 $58,280 $43,710 $14,570 2 $43,320 $32,490 $10,830 1 400% 300% 100% Size Annual Household Gross Income Family

Medical Security Program: Two Options ,[object Object],[object Object]

Medical Security Program “Premium Assistance” ,[object Object],[object Object]

2006 Massachusetts Health Reform Law ,[object Object],[object Object],[object Object],[object Object]

Individual Mandate ,[object Object],[object Object],[object Object]

Minimum credible coverage ,[object Object],[object Object],[object Object],[object Object]

Types of Health Plans ,[object Object],[object Object],[object Object],[object Object],[object Object]

Commonwealth Care ,[object Object],[object Object],[object Object]

What is an “MBR?” ,[object Object],[object Object],[object Object],[object Object],[object Object]

Commonwealth Care ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commonwealth Choice ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commonwealth Choice ,[object Object],[object Object],[object Object],[object Object]

MassHealth Essential ,[object Object],[object Object],[object Object],[object Object],[object Object]

Health Safety Net / Free Care ,[object Object],[object Object],[object Object]

Health Safety Net / Free Care ,[object Object],[object Object],[object Object],[object Object]

Locations of Community Health Centers and Hospitals ,[object Object],[object Object],[object Object],[object Object]

Self-employed / Small businesses ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Remember the “Golden Rule” ,[object Object],[object Object],[object Object]

David’s Qualifiers ,[object Object],[object Object],[object Object],[object Object]

About David …. ,[object Object],[object Object]

Thank you very much! ,[object Object]

Helping Job Hunters Navigate Their Health Insurance Options

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