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What We Gain 2013-2014
What We Gain 2013-2014

What we gain through the new Health Care Law? 

All qualified health plans will have 10 Essential Health Benefits (EHB) as follows:

  1. Ambulatory patient services
  2. ER Services
  3. Hospitalization
  4. Maternity and newborn care
  5. Mental health and substance use disorder services, including behavioral health treatment
  6. Prescription drugs
  7. Rehab services
  8. Lab services
  9. Preventive wellness services
  10. Pediatric services, including Oral and Vision Care

All individual policies will be guaranteed issue with no preexisting conditions waiting period, no declinations or exclusions riders, one annual enrolment period (some exclusions for triggering events will apply), the rating will be based on Community Rating, no Health Rating(Family Size, Geographic Location, Smoker Status, Age and NO Rating on Health or Gender).

The Individual Mandate require effective 2014 tax year when faxing taxes, each individual to prove that they have “essential minimum coverage” or face a penalty.

2014: max $285 per family

2015: max $975 per family

2016: max $2,085 per family

In the NEWS:  “President Barack Obama announced today that everyone can keep their plan.

BCBS IL and Humana together with the state of Illinois will have to go through the proper channels to determine how this new determination will be handled.  Please allow the government and carriers to establish the required procedures to implement this change. “

The individual mandate / recording requires effective from 2014 fiscal year when tax returns are filed , each to prove that хе хасs a " medical coverage including at least the minimum of the qualifying health plan " or will be imposed monetary penalties .

2014: a maximum of $ 285 per family

2015: a maximum of $ 975 per family

2016: a maximum of $ 2,085 per family

  * The purchase ofqualified health insurance plan has imposed deadline of 14th March 2014 . This period was extended logically only for 2014. The previous version was that the period will be open only until the 15th of December. Of course the date of 15 October till 15 December will remain in force for those who for one reason or another reason will decide not to purchase health insurance for 2014 as a whole, and will be able to do it again from 15 October 2014 , but for health care coverage in 2015 . Simply, we will have enrolment period starting October 15 and ending December 15 each year except 2014.

 Many of your children are insured with the state and federal government subsidized insurance with very low premiums. They will be automatically accepted back into the program and NO special action has to be taken except if informed from their program administrator. But do not forget to include them as family members when checking the qualifications to reduce your insurance PREMIUMS BASED ON ANNUAL INCOME !

Reduction in premiums for health insurance for a family of 1 will be available for those who receive income up to $ 45.960 , for 2 it will be available if there income is up to $ 62.040 for 4 or more it will be available up to $ 94.200 of income . This entire group of people includes 75 % of the population. Many of then  have health insurance through their employer.

For questions , email me at anna.ruseva @

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for under and over 65

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Agency License 107813529           

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