Health Insurance FAQs

Q: Are my children eligible for free or low-cost coverage?

Yes, children may qualify for Medicaid or the Children's Health Insurance Program (CHIP), even if you don't qualify for Medicaid. CHIP provides comprehensive coverage for doctor visits, prescriptions, vaccines, and more.

Question 1

Are my children eligible for free or low-cost coverage?

Accepted Answer

Yes, children may qualify for Medicaid or CHIP even if you don't, and both programs offer year-round enrollment at little or no cost. See what's covered and how to find out if your kids qualify →

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Question 2

Can my college-aged child stay on my plan?

Accepted Answer

Yes! Children under 26 can remain on their parents' health insurance plan, regardless of whether they live at home, are married, or are in school.

Question 3

Can my entire family be covered under one health plan?

Accepted Answer

Yes! Most ACA Marketplace plans allow families to enroll together under one policy. You can customize coverage to meet your family's unique needs, including maternity care, pediatric services, and preventive healthcare for everyone.

Question 4

Can my family keep our current doctors?

Accepted Answer

When selecting a plan, you can check if your family's doctors are in-network. Many ACA plans offer broad networks of trusted providers to ensure you don't need to switch.

Question 5

Does ACA health insurance cover maternity care and pediatric services?

Accepted Answer

Yes! All ACA Marketplace plans include maternity care, newborn care, and pediatric services, such as vaccines, annual wellness checkups, and vision and dental care for children.

Question 6

How do I know if my family qualifies for ACA subsidies?

Accepted Answer

Subsidy eligibility is based on household size and income. For example, a family of four with an income between $30,000 and $120,000 may qualify for financial assistance. Contact us for personalized help.

Question 7

What happens after I enroll my family in a plan?

Accepted Answer

Once enrolled, you'll pay your monthly premiums directly to the insurance company. Your family's coverage will begin on January 1 if you enroll by December 15 or February 1 if you enroll by January 15.

Question 8

What if I can't afford health insurance for my family?

Accepted Answer

Many families qualify for financial assistance through the ACA, including Premium Tax Credits to reduce monthly premiums, Cost-Sharing Reductions to lower out-of-pocket expenses like deductibles and copayments, and Medicaid and CHIP programs that provide free or low-cost coverage for eligible families and children.

Question 9

What if my family has a major life change during the year?

Accepted Answer

If you experience a qualifying life event, such as having a baby, getting married or divorced, or relocating to a new area, you may qualify for a Special Enrollment Period (SEP) to adjust or start coverage outside the Open Enrollment window.

Question 10

Can you help me with Medicaid or CHIP?

Accepted Answer

While we don't handle Medicaid or CHIP enrollment, you can apply for these programs through HealthCare.gov or your state's Medicaid office.

Question 11

How do I find out if I qualify for subsidies?

Accepted Answer

We can help! Subsidies are based on your household size, income, and location. Contact us for personalized assistance in determining your eligibility.

Question 12

How to choose a health insurance plan?

Accepted Answer

Selecting a health insurance plan can be overwhelming due to the variety of options available. Key factors to consider include: Assess Your Healthcare Needs by considering your medical history, frequency of doctor visits, and any ongoing treatments. Compare Costs by looking at premiums, deductibles, copayments, and out-of-pocket maximums. Check Provider Networks to ensure your preferred doctors and hospitals are included. Review Coverage Options to make sure the plan covers the services you need, such as prescription drugs, mental health services, and preventive care.

Question 13

What are the types of health insurance?

Accepted Answer

There are several types of health insurance plans available: Health Maintenance Organization (HMO) requires members to choose a primary care physician and get referrals for specialists. Preferred Provider Organization (PPO) offers more flexibility in choosing healthcare providers and does not require referrals. Exclusive Provider Organization (EPO) is similar to PPOs but does not cover any out-of-network care except in emergencies. Point of Service (POS) combines features of HMO and PPO plans, allowing members to choose between in-network and out-of-network providers.

Question 14

What happens if we miss the Open Enrollment deadline?

Accepted Answer

After January 15, you or your family can only enroll in a health plan if you qualify for a Special Enrollment Period or are eligible for Medicaid or CHIP, which offer year-round enrollment.

Question 15

What if I need to update my income or household information?

Accepted Answer

If you're already enrolled through HealthCare.gov, you'll need to update your details directly on their website or by contacting their support team at 1-800-318-2596.

Question 16

What is a deductible in health insurance?

Accepted Answer

A deductible is the amount you pay for covered health care services before your insurance plan starts to pay. When selecting a health insurance plan, consider factors like assessing your healthcare needs, comparing costs including premiums and deductibles, checking provider networks, and reviewing coverage options.

Question 17

What is health insurance?

Accepted Answer

Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. It can also provide coverage for other types of health-related expenses, such as preventive care, prescription drugs, and mental health services. When you have health insurance, you pay a premium, which is a monthly fee, to maintain your coverage. In return, the insurance company agrees to cover a portion of your medical expenses.

Question 18

What is preventative healthcare?

Accepted Answer

Preventive healthcare includes free services like routine checkups, vaccinations, and screenings. These services are covered at no cost under most Marketplace plans, helping you stay healthy and catch potential issues early.

Question 19

What is the deadline to enroll in health insurance?

Accepted Answer

The ACA open enrollment period typically runs from November 1 to January 15, but you may qualify for a Special Enrollment Period if you've experienced a qualifying life event like marriage, divorce, relocation, or job loss.

Question 20

Why do I need health insurance?

Accepted Answer

Health insurance is essential for several reasons. It provides financial protection against unexpected medical expenses, which can be overwhelming without coverage. It increases your access to healthcare services, allowing you to seek medical attention when needed without the fear of incurring high costs. Health insurance often covers preventive services, such as vaccinations and screenings, at no additional cost, encouraging individuals to seek regular check-ups and maintain their health.

Question 21

Can I sign up for health insurance through Wise Health Choices?

Accepted Answer

Yes! We specialize in helping families and individuals enroll in ACA (Affordable Care Act) health plans. We'll guide you through the process and ensure you get the right plan for your needs.

Question 22

Does the ACA/Open Enrollment cover pre-existing conditions?

Accepted Answer

Yes. Conditions like diabetes, asthma, cancer, and pregnancy are fully covered. You can't be denied coverage or charged more based on your health history.

Question 23

How do I get a copy of my Form 1095-A for tax purposes?

Accepted Answer

You can find your Form 1095-A on your HealthCare.gov account under the 'Tax Forms' section. If you need further assistance, contact the HealthCare.gov support center at 1-800-318-2596.

Question 24

What types of preventive services are covered?

Accepted Answer

Preventive services covered by ACA plans include:

Vaccinations (e.g., flu shots)
Blood pressure, diabetes, and cholesterol screenings
Cancer screenings like mammograms and colonoscopies
Counseling to quit smoking and for weight management
Routine checkups for adults, women, and children

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Question 25

Is Wise Health Choices the same as HealthCare.gov?

Accepted Answer

No, Wise Health Choices is not HealthCare.gov. We are a private company offering personalized assistance to help you navigate ACA health plans, including those available on the HealthCare.gov marketplace.

Question 26

Why did I receive a call from Wise Health Choices?

Accepted Answer

We may have reached out because you expressed interest in health insurance options. If you're looking for personalized help, we're here to guide you! If you were looking for HealthCare.gov, their support number is 1-800-318-2596.

Question 27

Can you help me reset my HealthCare.gov password?

Accepted Answer

No, we cannot assist with account management for HealthCare.gov. You can reset your password by visiting HealthCare.gov or calling their support line at 1-800-318-2596.

Question 28

What is HealthCare.gov's customer support number?

Accepted Answer

The official HealthCare.gov support center can be reached at 1-800-318-2596 for questions about your account, tax forms, or coverage.

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