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Forms 1095-A, 1095-B, and 1095-C are used to report health insurance coverage to individuals and the IRS. Form 1095-A is necessary to complete Form 8962. The Affordable Care Act resulted in the creation of some new tax forms, including Form 1095-A, Form 1095-B, and Form 1095-C. These forms are sent to individuals and the Internal Revenue Service (IRS) early each year, to report details about the

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Understanding Medicare Advantage Vision Benefits

Medicare vision plans under Parts A and B can be limited. Here’s what Medicare Advantage may and may not cover, plus how to enroll. Knowing what Medicare vision care benefits you have and don’t have is important for your health. Vision care is not only about getting a good pair of eyeglasses. It is about preventing or managing eye conditions that could lead to vision loss.

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What Is a Medical Loss Ratio?

Medical loss ratio measures the percentage of a health plan's revenue that is spent on medical care and quality improvements, as opposed to overhead. Medical loss ratio (MLR) refers to the percentage of a health plan's revenue that's used for medical care and quality improvements, as opposed to administrative costs. The Affordable Care Act (ACA) imposed minimum MLR requirements for

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The Medicaid Coverage Gap: Everything You Need to Know

Many uninsured Americans fall into the Medicaid coverage gap due to income level and home state. Learn more about what this means and who it affects. Medicaid is a government-run program that provides health coverage to Americans with low income (note that Medicaid and Medicare are two very different programs). The Medicaid program is jointly funded and run by the federal government and the state

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Special Enrollment Periods for Employer-Sponsored Health Insurance

Employer-sponsored health insurance has specific rules for special enrollment periods. Learn more about how they work. If you have health insurance in the U.S., there’s a good chance your coverage is sponsored by an employer—either your own, your spouse’s, or a parent’s. Roughly half of all Americans have health coverage under an employer-sponsored

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Special Enrollment Periods for Individual Health Insurance

A special enrollment period allows you to enroll or make a change to your individual/family health insurance, outside of the annual enrollment window. Individual health insurance (also known as individual/family health insurance) is the kind that you buy yourself instead of obtaining from an employer. There’s an annual window each year—in most states, from November 1 to January 15—when

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Does Medicare Cover Counseling?

Medicare offers coverage for therapy with plan-specific guidelines. Learn what is and isn’t covered, plus how to find mental health providers. Medicare enrollees face an increased risk of having mental health concerns. Fortunately, Medicare covers counseling, which can help make support more accessible for you.Mental health programs and services are designed to help diagnose and treat

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Medicare Abuse: How to Recognize It, What to Do

Medicare abuse is a kind of Medicare fraud like recipient identity theft or filing false claims. Learn how to spot, prevent and report Medicare abuse. Medicare abuse occurs when unnecessary costs are billed to the Medicare program. It is an illegal practice that results in billions of dollars of losses to the U.S. healthcare system every year.When Medicare abuse happens, tax-payer dollars are not

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Best Dental Insurance for No Waiting Period

We reviewed and compared coverage, premiums, and treatment offerings for dental insurance for no waiting periods. This list will help you find the best one to fit your needs.

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After A Near-Death Experience, Here's How I Recovered From Mind-Body Trauma

Recovery isn't just for physical injuries.

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Can You Drink Alcohol While Taking Melatonin? Experts Weigh In

Here's why you should never mix them.

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