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Affordable Care Act Open Enrollment Almost Here: Remember that your policy will automatically renew. There is NOTHING you need to do. Please note that Healthcare .gov / the Marketplace will email, call and text you with scary messages stating you need to renew or you won't have coverage next year. That is flat out wrong. If there are any changes in income or household demographics please let us know and we will update this information for you.

National General Shifts to Allstate Name: See more below.

Inflation Reduction Act and What It Means To Healthcare:
There is a lot going on with this Act, but we will stick to the healthcare side only. Foremost it has maintained the increased Affordable Care Act tax credits per the American Rescue Plan Act. Without continuing these tax credits, those on Affordable Care Act "Obamacare" plans could expect to see 10- 200% premium increases this fall. Here's a few other points of what it affects:

  1. The enhanced premium tax credits, which eliminated the subsidy cliff and increased the tax credit amount for people at all income levels, will continue another three years. That means that clients receiving financial assistance won’t see a big price increase this fall.
  2. Medicare will be able to negotiate drug prices, which should help save some seniors money.
  3. Medicare Rx out-of-pocket costs will be capped at $2,000.
  4. Lawmakers failed to reach an agreement on capping insulin costs for people with private health insurance.

Federal Government to Shift COVID Healthcare Costs to Insurance & Patients: As COVID treatments, vaccines, tests, etc have been paid by the federal government (tax payer) they have had very little affect on health insurance premiums. The Department of Health & Human Services will discuss options on shifting these claims to insurers and patients in the August 30th meeting. Any shift in claim payment is expected to take several months to complete.

United Health Care Experiences Billing Issues in September: Scroll down for details.

Medica COVID-19 Vaccine Website and Information

In the light of the Supreme Court decision on Roe vrs. Wade, Medica has updated it's stance on abortion coverage on individual Affordable Care Act plans. Please note these decisions will be made on a state basis. Read Medica's Statement.
National General was previously purchased by Allstate. They are now rolling out the Allstate name and branding. Clients will receive new cards and all communications will be Allstate branded.

Members will now log in and register accounts at www.MyAllstateHealthSolutions.com
Pivot Health is now offering 3 year plans in Iowa.
You will soon be receiving renewal information for the 2023 plan year. If you would like to review options, please let us know.

Billing issues in September: On September 1 and 2, 2022, an error occurred with our payment processing showing some policies as not paid, even though successful payment was collected. This caused some plans to show as terminated in our system. Some members also received a letter automatically generated by this incorrect indicator. About 5,000 Short Term Medical, TriTerm Medical, long term and select ancillary plans were affected.
Summary of action:
  • We are working to resolve this issue and return affected plans to proper active/paid status. We anticipate having this issue fully resolve by early next week.
  • Our claims team is reviewing all affected claims to ensure they are properly handled, and applicable benefits applied, if eligible.
  • No action needed from client(s).

Don't forget the valuable discounts with your FACT Membership through the United Health Care plans.
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Don't forgot, with Oscar you have $0 Fee Virtual Urgent Care Visits. Click Here to Learn More.
3600 1st ave NE, Cedar Rapids, IA 52402.(800) 383-6590

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