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you can now purchase health insurance.plans in the health reform marketplace.I'm Brenda bride of ABC for health and.I'm Ryan stay so we're gonna take you.through a walkthrough of healthcare gov.and show you just how easy it is to.purchase a plan on healthcare.gov and.there are two ways to get started Ryan.if people had a health insurance plan.through the marketplace this is.healthcare.gov also called the.individual marketplace if you had a plan.in 2017 you can log in with a username.and password you created last time you.purchased insurance and you can look at.the plan you have decide if it's.available in the next coming year and.you can renew or shop that way if you're.brand new to the health insurance.marketplace there's a step right button.for you to click and you're gonna click.to get started and Ryan's gonna take us.through this right now take the first.steps to apply and what you're actually.doing is creating a user profile first.before you start looking at plans and.your plan options so you're gonna create.an account so you're first gonna select.your state we're in the state of.Wisconsin we use the federally.facilitated marketplace so we're gonna.select that from the pulldown menu this.already right out of the gate is.narrowing your insurance options to just.that available in Wisconsin the more.information you give it the more it's.gonna narrow to just your region when.you first sign up this is just like any.other shopping experience online you're.gonna create a username you're gonna.create a password you're gonna have to.set three security questions you're.gonna enter the email address and then.you're going to agree to some terms and.conditions and this is actually.important for people to take a quick.look at when you're applying for health.insurance through the marketplace you're.sharing a lot of personal information.and these privacy protections that they.offer are worth you knowing about they.won't be sharing your personal.information with other outside entities.they will be comparing your information.to other federal agencies like Social.Security the IRS it's going to be.verifying your identity and some of the.information you enter so if you want.have concerns or you want to review that.information.you have the opportunity to do that.before you even start the application so.Ryan would fill in his username is.password and he's also gonna write it.down separately this is your key back.into the marketplace right out of the.gate.once you click create my account you're.gonna get an email to that email address.you entered that's gonna have you verify.your identity verify yep that's me I.just started the application process.it's gonna have a link in that email.that you click and then that's gonna.prompt you to a brand new Vagan you're.gonna enter that username and password.you just created and now you're on your.way to shopping for insurance it's gonna.ask a couple questions right out of the.gate you used to enter your username and.password it's gonna ask to verify your.full address and things like your social.security number and a couple other.questions and that's already starting to.go through some of the eligibility.criteria for plans.part of it is narrowing you to that.network that you're gonna be shopping in.but part of it is also connecting your.information to the IRS and Social.Security to make sure that we're talking.about the same person.that's why social security number is.important it's also gonna see if you're.eligible based on immigration status you.simply need to be legally present in the.United States either a citizen a legal.permanent resident on a different kind.of visa a student visa a fiance visa a.worker visa any kind of legally present.status will make you eligible to shop in.hell that's good enough it is and so.some people get a little scared by that.social security number question sure.what it's actually doing is pairing you.up with social security if you are a.citizen or it's gonna Vader then ask you.what kind of visa or other qualifying.status you have so that's why you're.going through all of that on the front.end this process from start to finish.should take about an hour so make sure.you have some time set aside to devote.and take the time to read the stuff that.pops up on the screen it's gonna.actually make this process a little bit.more efficient it's going to tell you.how you can look for more information.how you can compare plans what some of.the numbers mean and some of that is.gonna be helpful so you fully understand.what your options are and it's also.going to tell you if all of a sudden.you've fallen out of eligibility based.on how you've answered our questions so.you want to make sure you devote that.full hour and it might not take that.long if you know what you're looking for.right out of the gate.be a little bit faster the application.process is really two parts you're.answering questions about your financial.eligibility which really sees if you're.eligible for things like tax subsidies.or cost-sharing reduction so either.premium support or support on the.deductible and out-of-pocket side and.then you're actually gonna be picking a.plan so your time here is going to be.well spent if you really go slowly.through it understand what you're.clicking and understanding what kind of.cost savings and other things are coming.your way.so let's now fast forward we've entered.your personal information we've verified.your social security number we've.answered a couple questions about where.you live and now let's start looking at.plans so brands gonna fast forward us.through and we're gonna narrow our.network and say we're in Wisconsin and.we're right in the our state's capital.we're in Madison it's gonna say do you.mean Dane County Wisconsin and we'd say.that's the one and now here's another.opportunity even though we already said.we're shopping for a new plan it's gonna.say were you enrolled in a 2017 plan.because it wants to know if it's gonna.take you down that path of renewing or.looking for a plan that similar to the.one you had or if you're starting fresh.so we're gonna say no we weren't in the.marketplace in 2017 we're starting fresh.we want a plan that starts January 1st.2018 so we're gonna say no we weren't in.the marketplace in 2017 but we want to.be in it in 2018 and now it's gonna.start answering some of those questions.about household is it just you are there.other household members it gives you the.opportunity to spell out the household.members and it's looking at tax.dependencies so if it's you and the two.children you claim them in your.household on your taxes that's the way.you answer this question infants you and.your two children and your mother lives.with you but you don't claim her as a.tax dependent you won't be counting her.as a household member so there will be.prompts as you enter your household.information to make sure you get that.number right household is important that.number is important because the.household is compared to your household.income and those two numbers together.make the federal poverty level.percentage so this will tell you.essentially if you're eligible for tax.subsidies and cost-sharing reductions.because they're different cutoff.thresholds for those those two.information.have our materials here we got organized.before we started to apply so we have.last year's taxes we have information on.the Social Security numbers of people in.our house and we have their birth dates.all of that when you enter someone as a.household number you're gonna have to.put their birthdate their social.security number you're gonna put all.that down so get organized in advance.some time Andy it's gonna be really.quick so why don't you tell us what.you're clicking on so yeah so we're.talking about who's in our household for.the sake of this example I'm just gonna.say me it's just you and you'll notice.all the buttons to navigate.healthcare.gov are green which is a.great visual indicator green means go.green means go so let's go so for my age.I'm gonna put that I'm 30.happy birthday sex I am male and now.this is an interesting set of questions.here it's asking if you have other.coverage do you have Medicare do you.have Medicaid do you have insurance.through through your work mm-hmm this.doesn't mean you're not eligible.necessarily for the marketplace it might.mean that you're not eligible for tax.credits or other cost savings because.you would be considered to have other.qualifying health coverage so it's gonna.ask that right out of the gate are you.eligible for health coverage through.Medicaid or through badger Care Plus and.Wisconsin if you're to say yes you could.also buy health insurance but you.wouldn't get the tax subsidies so that's.sorting that out right out of the gun.it's asking if you're pregnant or I mean.a parent of a child under 19 cuz it's.gonna answer additional questions about.your children it's asking if you're.pregnant or if you're a tobacco user.answer these questions honestly if you.are tobacco user there is a tobacco.surcharge in the marketplace so it's.gonna ask you more information about.your tobacco use this is one of those.health promotion strategies that was.part of the Affordable Care Act so as a.smoking cessation strategy they want to.identify people that are smoking they.might offer some plans offer some.strategies to help you quit smoking to.reduce your smoking or your tobacco use.if that's a strategy you'd like to do.for wellness so it's gonna ask you that.right out of the gate some people get a.little startled by these questions but.it's always good to know why they're.asking those questions and be honest.right and to be honest yeah and we.didn't answer any of those.you're not a parent of a minor children.here now that tobacco user so we skip.those left and blink and hit continue.now it's just going to do some.confirmation steps this is a chance to.go in and edit if you type something.wrong if you typed it too fast.you always have an opportunity to edit.your question and if you like to answer.it you can hit continue so for my.expected income for 2018 for the sake of.this example we're gonna put thirty.thousand dollars just so we can show you.some of the tax credits that are.available to us it shows you and this is.a really nice feature because there's.been so much chatter about the cost of.health insurance costs are rising.premiums went up x percent in my state.but for a lot of people that fall under.400% of the federal poverty level if.you're between 100 and 400 percent.you're eligible for tax subsidies so you.might not feel that premium increase tax.subsidies will bring down your monthly.premium so you give your age your.expected annual income and it right out.of the gate is saying guess what based.on what you just told us you qualify for.a premium tax credit of one hundred.ninety nine dollars per month so you see.this even before you see any plans.someone saying yeah you're one of those.people that's gonna qualify for tax.subsidies and it's gonna be almost two.hundred bucks a month that you qualify.for that will then be applied to the.prices of some of the plans that you see.once we rest through this at the very.bottom of the screen that we're looking.at and very small small bridge but it's.still this is why it's worth reading.it's giving us an instruction right out.of the gate guess what you might be.eligible for extra savings if you pick a.silver plan if you're between one.hundred and two hundred and fifty.percent of the federal poverty level and.you pick a civil silver level plan you.will be eligible for some reduced.deductibles co-pays and out-of-pocket.costs it's gonna bring those costs down.now a silver level plan some people are.probably saying what does that mean the.marketplace breaks up health insurance.by category and they get metal.designations to those categories gold.silver bronze and then for a little bit.higher quality platinum if you look at.all of those plans and you pick silver.then you can get this out-of-pocket.savings they're called cost-sharing.reductions and that can be applied to a.silver plan now should you lean towards.a silver.because of this and the instruction here.is to really look at the plans that are.being offered this year because of a lot.of the political chatter and some of the.rules that have changed some of the.insurance industry practices that are.different you actually might find a.cheaper plan without this extra cost.savings and it might be a gold plan.there are instances in the marketplace.where gold is cheaper than silver which.is a little counterintuitive but this is.why it matters to look at those plans.and to shop and read everything on the.screen in front of you so we know we're.gonna get tax subsidies we know if we.buy a silver plan based on our income.that we entered we might be able to get.some out-of-pocket savings so Browns.gonna click continue and we're gonna now.see what we've got.it's summarizing what we've done right.you're gonna see this a lot you're gonna.see you enter something it has you.review it you enter something that has.you review it which is good though in.case you make a make a typo because it.because there's consequences to entering.this wrong it's right you are estimating.your household income it's an.opportunity to make a really close.estimate if you're really far off on.your estimate if you said oh no I think.I'm gonna make a hundred thousand.dollars this year well there could be.tax consequences later if you've got tax.credits and you shouldn't have you'll.have to repay them if you didn't get tax.credits and you should have they owe you.that money so there will be a.reconciliation process at tax time but.it's still worth making sure you get.really close on these early questions so.you liked what you answered the moment.we've all been waiting for let's let's.look at some sorts of plans we made it.we made it so like I said they're gonna.be pop ups but these are helpful so they.have a little information button next to.some of the plans you can hover click on.that and it can actually answer some.questions if it says deductible and you.say I don't know what that means it's.gonna give you a definition you can.refine your results you can always.filter this down in some areas people.might see upwards of 70 plan options if.you're looking at all the metal tiers if.you want to say I just want to see some.of those plans that have very low.premiums you could sift it down by cost.or you can sift it by silver plans so.it's gonna give you an opportunity to.filter your results some areas.unfortunately where they're holy is one.or two plans in the marketplace doesn't.do you much good to refine those results.you want to see everything that's there.there is a company.feature you can compare up to three.plans at any time if you're sifting.through your many options you know like.oh that one looks kind of nice why don't.I see how that compares to that other.plan I saw before you can select and.it's gonna actually put them side by.side and that's a great sifting down.feature that's a really good opportunity.to say like oh this one's like two.dollars more a month but it it has these.assets yeah so that's a really great way.to compare and contrast so this pop-up.that we just saw is actually giving you.an opportunity to learn a little bit.more about what all of these buttons.look like it can be a little.intimidating when you see all of these.buttons pop up all the plans have.compared that you can like the plan you.can do a quick view of the plan you can.see more plain details there's a lot of.information in this one website so it's.good to know what you're looking at and.it gives you when you click Next it gave.us one last reminder of those metal.tiers.what does it mean to be a bronze a.silver a gold or a platinum tier and a.plan so this was a reminder of what that.means it's really actuarial value this.is a little behind the scenes deep in.the weeds actuarial baseball of how all.of this how they assign that the number.and the premium to the plan all the.plans have to cover essential health.benefits so it's not that a bronze plan.would be really poor coverage compared.to a gold plan it just might be a little.bit different actually but their.actuarial value to that plan so all of.these plans are going to have essential.health benefits they can't discriminate.against pre-existing conditions they.have to cover things like maternity and.newborn coverage no matter what and then.what you're really looking at is just.the price overall and for that premium.and that cost savings reductions okay so.Ryan's gonna click Next we reviewed we.know okay now here's a stuff where.people should pause a little bit you can.do a big filter of plans right out of.the gate you can pick only simple choice.plans or it's gonna say or see all plans.now if you're in a hurry this might be.an opportunity for you to do a big.filter see just the simple choice plans.and click Next Inc and keep going I.would encourage people to see all plans.I think this is a better shopping.experience you learn more and you know.more about the price the network's the.cost your responsibilities their.responsibilities if you actually see all.the plans that are available.I think it's worth seeing all plans and.doing your own filtering sorting by.price or sorting by network or by metal.tier you can do that on the next page so.I would skip the simple choice filter I.would see all plans and then do my own.filtering once we get into the full.listing of all the plans that are.available so Ryan said see all plans and.you can see up at the top it's telling.us we have 66 plants available based on.the zip code that we entered it's gonna.start giving you on the will just look.at the very top one it's telling you the.insurance company itself it's telling.you the name of the plant and the metal.tier will be included in the name of the.plan and right under that you're getting.full disclosure and full transparency of.all the prices so this is really a nice.feature where you can see all of the.prices you can see some tabs up across.the top where it's letting us filter by.plan type you can buy a dental plan out.of here as well but we are looking just.at health plans today you can sort by.premium right out of the gate you can.sort by deductible and deductive.deductible is your out-of-pocket expense.and then you can hit refine results and.if you entered any of those search terms.that's gonna narrow it down for you.there's also a couple opportunities to.work in the in that this gets pretty.deep in the weeds too so you can see all.the options that are available to you.yes taking this example we're going to.keep it simple we're gonna go back we're.gonna go back so we're looking at our.plans let's say on that top one and.click you'll see there's details in.quick view you can hear or like this.plan let's click on quick view okay so.you're actually getting just a little.bit more information about the plant it.even includes an overall plan rating in.this you can actually then hover and see.what that means if you're not familiar.but it's giving you more detail on the.plan a refresher of what some of those.costs are some of your coinsurance or.co-payments and if you scroll down right.just a little bit you can now click.compare and it's gonna ask you what you.want to compare to and we could pick.another plan if we wanted to and like we.said you can pick up to three but also.if you read this plan you know like this.is the one I want I like this you can.either write that plan number down or go.ahead and click enroll right from the.screen if you found a plan you've landed.on that you like and you want to.make that one the one that you're going.to sign up for click and roll and now.you're going through the rest of the.application process to enter the rest of.your financial information and your.enrollment information and that's your.plan if you find a plan you like write.that plan number down the name of it the.the title the the metal tier and that.did the several digits after that plan.ID the plan ID number is the one you're.gonna want to keep handy this is gonna.come in handy for a couple different.reasons first of all to make sure that.when you do start getting information.from your insurer it matches we just.want to make sure there are no mistakes.but if you're in an area that offers.premium assistance outside the.marketplace so we're in Dane County.Wisconsin there's a program called.health connect in Dane County Wisconsin.that offers some premium assistance for.people that have purchased a silver plan.if we purchased this plan and it was a.silver plan it was a qualifying plan.they would have us enter that plan ID to.make sure it was a qualifying plan for.assistance yeah that's the number you.enter so you're keeping good notes to.this whole process staying organized.keeping good notes is so critical to.making this an easier process so you're.just taking good notes you're writing.the plan ID down you're writing your.passwords down anything any notes along.the way it's I'll keep your notebook.handy put that in the file folder with.that tax information and the household.information you have and that's now your.your health insurance binder for next.year also so that you can stay organized.so a couple extra steps to help keep you.organized but it's gonna be worth its.gonna save time later and also might.make sure you're getting some of those.extra benefits you're eligible for if.you're one of those areas that that goes.that route so why don't you close out of.this plan if you just scroll down a.little bit you'll see the extent of some.of the plans that are offered it goes.through the metal tiers some bronze.plans it starts getting into some old.double plans some out-of-pocket maximums.are listed as well if you have.out-of-pocket cost and you can see in.the area that we've selected 66 plan.options available you click to compare.so you we now have a plan up at the top.that if we now select any other plan to.compare it against it's going to tell us.now we have two plans to compare you can.look at those two side-by-side and this.is a really great shopping tool I need.more website.but you looked at this sweater and then.you looked at this one and here's how.they're the same and here's how they're.different this is how the price is.different here's a some of the.conveniences that are offered it's a.really great quick tip I mean and look.at the plans that you just clicked on.one's a bronze tier they're both bronze.to your plans but from different.providers we're seeing a dramatic.difference in price for the premium.mm-hm a little bit closer and deductible.very similar out-of-pocket maximum so if.you're just looking at prices that's one.way to compare but both of these plans.you clicked onto from two different.insurance companies which means two.different and that works so if you know.the name of your doctor and where you're.used to getting care you can see if the.your doctor now fits into one of these.plans and it's gonna give you more.information for primary care visits when.it's all included what it means to have.laboratory in some of those outpatient.visits it's gonna do that line by line.so you can compare the services and and.it's just a really great comparison.feature like you said make sure you have.plenty of time to actually do this right.once open enrollment closes if you pick.a plan once open enrollment closes you.are locked in so by December 15th you.are locked in to the plan that you.select with no opportunity to change.unless there is a special enrollment.period later now that is only triggered.by things like you got married.you moved there's a dramatic change in.your life so they're ten qualifying.events for a special enrollment period.if you don't have one of those.qualifying events this is your plan for.all of 2018 so it's a good idea to spend.the time now to make sure that you've.made that right selection I mean that's.that's it that's pretty much it yeah.it's pretty easy it's it's can be.intimidating because of all of these.options over the numbers all the.different tiers of plans yeah but once.you get into it take the time to.actually shop click around and get.comfortable with it do some of those.side-by-side comparisons if you find one.you like go ahead and like the plan it's.gonna kind of save it for you.or once you visited the details of the.plan you can click right on the enroll.button and finish your application now.sometimes people might have to take a.couple more steps this would be in an.instance where you might have to do some.verifications if you have to verify.income or if you have to verify identity.you will get a.was from the marketplace say you're not.done there are a couple more steps you.have to take and the only advice we can.give there is to make sure you answer.the questions truthfully and honestly.very quickly you want to make sure you.have your verifications in in a very.fast don't hold on and wait until March.and next year to get those in it's too.late by that you have to verify the the.questions that they ask very quickly if.it is prompted you are prompted to do so.and at the same time keep copies of.things if you're sending in something.like a pay stub to verify income or they.ask for something specifically keep a.copy send a copy because you are if they.say come back later we know that human.error happens if you send something in.and they say we never got it you lose.your opportunity for coverage you have.to make sure that you can zip it and.again if you need to keep a copy send a.copy if there's ever a verification.that's requested so Brent after this.entire process let's say we went through.the whole thing we purchased a plan on.healthcare.gov.when does that coverage begin you're.buying a plan that starts January 1st.2018.this is calendar year 2018 coverage so.thus this means that if you purchase now.if you purchase in the month of November.you have November 1st through December.15th you then have to wait until January.1st for that current active and one.other reminder you will purchase the.plan if you do in fact oh a premium make.sure you pay that premium by January 1st.2018 you have to have coverage and you.have to have it paid and your coverage.will then become active there's very.little leeway this year from missed.premiums in the past if you missed.paying a couple premiums they would give.you a little bit of a grace period.healthcare.gov is not being as generous.with grace periods moving forward if you.all pay premium pay the premium as.quickly as you can.here's another wrinkle if you owe past.premiums from 2017 you're gonna have to.settle up before you can move forward so.if you know you owe some premiums it.might be a good time now to talk to your.insurance plan see what the liability of.the balance is and make sure that can be.reconciled so that you can then go.forward and purchase new coverage for.2018 great thanks for joining us yes s.if you have questions healthcare.gov.does have a call center on that homepage.healthcare.gov they do give a 1-800.number that's a great place to call for.questions there's local help that's.available also on the.you can call click the button that says.get local help it's gonna direct you to.people in your area no matter where you.are in the nation you can almost visit.us at HealthWatch Wisconsin that org and.we can answer more questions as well but.good luck.stick with it take good notes keep good.records and you'll be well on your way.to buy an insurance for 2018 thanks for.joining us.bye-bye.

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Omb 1210 2017 2019 Form FAQs

Here are the answers to some common queries regarding Omb 1210 2017 2019 Form . Let us know if you have any other questions.

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How do I fill out the CAT Application Form 2017?

To fill the CAT Application Form 2017 , you will need to log on to the official website of CAT 2017. First, you will have to register on the website and generate your login credentials. When registering, you will be asked to enter personal details like your Name, Mobile Number, Date of Birth, Email Address and similar fields. Here, ensure – 1) your details match what’s written on your school certificates and other documents. 2) All the information is correct and valid. After registration is complete, you need to log in using the credentials generated and start filling the CAT Application Form 2017. The information asked in the form includes your personal details, academics, work experience, programmes and payment details. When the form is filled and submitted, you finally upload your scanned documents and photograph and it’s done! In case you wish to correct a few fields in your application form, you can do it till the first week of October.

How do I fill out a CLAT 2019 application form?

How do I fill out the college preference form of the CLAT 2019? If you are AIR 1 and eligible for admission to all 21 NLUs, which one would you prefer? That is your first choice. Your first choice is not available. Out of the remaining 20, you are eligible for all 20. Which one will you prefer? That is your second choice. Your second choice is not available. Out of the remaining 19, you are eligible for all 19. Which one will you prefer? That is your third choice. Repeat the process till you have ranked all 21 NLUs. All the best.

How do I fill out the NEET 2019 application form?

Though the procedure is same as last earlier only the dates has been changed (tentative) yet to be announced by cbse u can fill form in October for the exam of February and in March for the exam of may if u r not satisfied with ur previous performance. All the best

How do I fill out the Delhi Polytechnic 2017 form?

Delhi Polytechnic (CET DELHI) entrance examination form has been published. You can visit Welcome to CET Delhi and fill the online form. For more details you can call @ 7042426818

Is my company required to offer open enrollment?

Not many job opportunities exist if you have cleared just level 1. Level 1 is very basic with high passing percentage. Even the recruiters know that level 1 does not prove that you are really good at anything. You need to clear atleast level 2 for decent internship in good firm.

What if you missed open enrollment?

#1 - take your chances and go without health insurance. You’ll still be liable for the tax penalty (if any) #2 - buy a short term medical plans (some do/some don’t cover pre-existing conditions). Also the Obama administration has just decreed that the maximum length of coverage in 3 months so you have to buy 4 policies over a 12 month period. You’ll still be liable for the tax penalty (if any) #3 - apply for a hardship special enrollment period and any basis that you might qualify for. #4 - buy an exempt plan (like MediShare) that are not actually “real” insurance but look like them, cost less in most cases and you DON’T have to pay the penalty.

How long does a new employee have to enroll in benefits?

To enhance programming skills, you need to focus on the following 4 topics.Programming Languages Data Structures Algorithms System understandingTo keep my answer short, I will not suggest any books, but keep myself limited to overview of each topic. Each topic is a big subject of interest in itself. But you can try to grab as much possible gradually in long term. Programming LanguagesNever limit yourself to one language. Keep learning multiple languages - one procedural, one object-oriented, one scripting, one functional, etc. Also, don't try to learn too many languages in a short time span. Grad Continue Reading

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