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Obamacare’s essential health benefits
Since 2014, all individual health insurance sold in and out of the ACA's exchanges – whether to individuals or to small firms with fewer than 100 employees – have had to cover what physicians and consumer advocates call essential health benefits.

POSTED FEBRUARY 06, 2019 5:20 PM
CO-OP health plans: patients’ interests first
As of early 2019, only four of the original 23 CO-OPs were still operational. The other CO-OPs have failed for a variety of reasons, including premiums that were too low and the unexpected loss of federal funding that was retroactively eliminated. But the remaining CO-OPs have either decreased rates for 2019, or implemented only very modest price increases, indicating improved stability.

POSTED JANUARY 03, 2019 2:49 PM
Billions in ACA rebates show 80/20 Rule’s impact
Ever since 2012, millions of Americans have received rebates from their health insurers each fall, refunding portions of prior-year premiums that were essentially too high.

POSTED DECEMBER 30, 2018 7:34 AM
The ACA’s cost-sharing subsidies
While the Affordable Care Act's premium subsidies help pay the cost of the health insurance itself, cost-sharing subsidies help to reduce out-of-pocket spending for eligible enrollees when they select Silver plans. The Trump Administration eliminated federal funding for cost-sharing reductions, but the benefits are still available to eligible enrollees. And because the cost of cost-sharing reductions has been added to premiums, premium subsidies are much larger than they were prior to 2018.

POSTED DECEMBER 27, 2018 7:34 PM
Will you receive an Obamacare premium subsidy?
The ACA's premium subsidies are still available, and are much larger than they were in the first few years of ACA implementation. But many Americans may still be wondering, "Am I eligible to receive a premium subsidy – and if so, what should I expect?"

POSTED DECEMBER 27, 2018 7:33 PM
Do you still need COBRA health coverage?
The combination of COBRA and the ACA present a solid array of options for people who are losing their employer-sponsored health insurance. COBRA exists just as it has for more than 30 years, but the ACA has made the individual insurance market an excellent alternative for most people.

POSTED DECEMBER 18, 2018 5:42 PM
Health insurance gains for the self-employed
The self-employed have historically faced a set of unique challenges in finding and keeping health insurance. But the Affordable Care Act has made coverage more accessible, and for people with low and middle-class incomes, it's also made coverage more affordable, thanks to subsidies available in the ACA exchanges.

POSTED DECEMBER 18, 2018 4:35 PM
Affordable Care Act’s Basic Health Program
The Basic Health Program was originally scheduled to begin January 1, 2014, but was postponed until 2015. And only two states have implemented BHPs: Minnesota's BHP was effective in January 2015, and New York's is effective January 2016

POSTED DECEMBER 18, 2018 2:04 PM
Private health insurance
Private health insurance continues to dominate the U.S. health care landscape. The majority of Americans under 65 continue to get their health care from private insurers.

POSTED DECEMBER 18, 2018 12:28 AM
Qualifying events that can get you coverage
Even if you missed the general open enrollment, you could still have an opportunity to enroll in an ACA-compliant plan this year if you experience a qualifying event. In that case, you have a special open enrollment period – generally 60 days – during which you can enroll in a new plan on or off-exchange, or switch to a different plan. Be aware, however, that new market stabilization rules have tightened up the rules that apply to special enrollment periods.

POSTED DECEMBER 16, 2018 6:46 PM

Medicare RSS feed

Become a donor—save lives
Become a donor—save lives

Every day, 20 people die while waiting for an organ transplant. Just one donor can save and heal up to 75 lives through organ and tissue donation. Today, there are more than 114,000 patients waiting for a lifesaving organ transplant and many more who need cornea, tissue, bone marrow, blood, and platelet donations. There are 2 ways to become a donor:

  1. Deceased organ donors—can donate both kidneys, liver, both lungs, heart, pancreas, and intestines.
  2. Living organ donor—can donate one kidney, one lung, or a portion of the liver, pancreas, or intestines.

Over 80% of people on the transplant list need a kidney transplant, usually due to permanent kidney failure or End-Stage Renal Disease (ESRD). Medicare covers kidney transplants for both the person getting the transplant and the donor. If you’re getting the transplant, you pay 20% of the Medicare-approved amount for doctor services. You pay nothing if you’re the living donor.

Celebrate National Donor Day on February 14 by giving the gift of life. Sign up to become an organ donor today. 

Stuart.Zang@cm… Thu, 02/14/2019 - 00:01

POSTED FEBRUARY 14, 2019 12:01 AM
Go red to support women fighting heart disease
Go red to support women fighting heart disease

Every minute, heart disease takes the life of a woman in the United States, even though nearly 80% of cardiac events can be prevented. Heart disease doesn’t affect every woman in the same way, but there are signs to look for and ways to help prevent it.

Medicare covers cardiovascular disease screenings every 5 years for people with Part B. Quitting smoking also helps lower your risk of heart disease, and Medicare covers smoking and tobacco use cessation counseling for people with Part B.

National Wear Red Day is February 1st. Support the women in your life and #WearRedandGive.

Stuart.Zang@cm… Fri, 02/01/2019 - 15:15

POSTED FEBRUARY 01, 2019 3:15 PM
This Valentine’s Day, give your heart some love
This Valentine’s Day, give your heart some love

Although love songs might tell you otherwise, a broken heart can’t kill you—but heart disease can. Heart disease is the leading cause of death in the United States for both men and women, taking about 610,000 lives each year.

You might not be able to avoid Cupid’s arrow, but you can take steps to help prevent heart disease. Start by scheduling an appointment with your doctor to discuss your risks and how to lower them.

Medicare covers a cardiovascular disease screening every 5 years at no cost to you. The screening includes tests to help detect heart disease early and measures cholesterol, blood fat (lipids), and triglyceride levels. If you’ve had a heart condition, like a heart attack or heart transplant, Medicare covers cardiac rehabilitation programs that include exercise, education, and counseling.

If you’re at risk for a heart attack or stroke, there are steps you can take to help prevent these conditions. You might be able to make lifestyle changes (like changing your diet and increasing your activity level or exercising more often) to lower your cholesterol and stay healthy.

February is American Heart Month, so give your heart some love by visiting the Million Hearts Learn & Prevent center. Here, you can find your possible risks for heart disease, and resources, like heart-healthy recipes to help keep your heart strong. Million Hearts is a national initiative to help keep people healthy and improve health outcomes.

While you’re celebrating with loved ones this Valentine’s Day, don’t forget your heart needs some love, too.

Stuart.Zang@cm… Fri, 02/01/2019 - 07:31

POSTED FEBRUARY 01, 2019 7:31 AM
Get Medicare’s new “What’s covered” app!
Get Medicare’s new “What’s covered” app!

What's Covered mobile app photoNot sure if Medicare will cover your medical test or service? Medicare’s free “What’s covered” app delivers accurate cost and coverage information right on your smartphone. Now you can quickly see whether Medicare covers your service in the doctor’s office, the hospital, or anywhere else you use your phone.


“What’s covered” is available for free on both the App Store and Google Play. Search for “What’s covered” or “Medicare” and download the app to your phone. Once “What’s covered” is installed, you can use it to get reliable Medicare information even when you’re offline.


The app delivers general cost, coverage and eligibility details for items and services covered by Medicare Part A and Part B.  Search or browse to learn what’s covered and not covered; how and when to get covered benefits; and basic cost information. You can also get a list of covered preventive services.


Easy access to accurate, reliable Medicare coverage information is just one new feature of the eMedicare initiative. To stay up to date on eMedicare improvements and other important news from Medicare, sign up for our email list and follow us on Facebook.


What's Covered mobile app icon
Try the "What's covered" mobile app!


   Downland What's covered on app store  Downland What's covered on play store

admin Mon, 01/28/2019 - 08:45

POSTED JANUARY 28, 2019 8:45 AM
Are you using your new Medicare card?
Are you using your new Medicare card?

You should have received your new Medicare card in the mail by now. If you have your new Medicare card, start using it right away!  Also remember to destroy your old Medicare card so no one can get your personal information.

If you’re still waiting on your new card, here’s what to do next:

  • Look around the house for any old or unopened mail. Your new Medicare card will come in a plain white envelope from the Department of Health and Human Services.
  • Sign in to to get your number or print your official card.  If you don’t have a account yet, visit to create one.
  • Call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048. There may be something that needs to be corrected, like your mailing address.

Your health care provider may also be able to look up your new number. And don’t worry, you can still use your current Medicare card to get health care services until January 1, 2020.

Continue to beware of scams! New numbers can still be used to commit health care fraud. Protect your Medicare card just like your credit cards. Only give your Medicare Number to doctors, pharmacists, other health care providers, your insurer, or people you trust to work with Medicare on your behalf.

Learn more about how you can fight Medicare fraud.

Stuart.Zang@cm… Wed, 01/16/2019 - 14:21

POSTED JANUARY 16, 2019 2:21 PM

NOTICE: The links and articles found on or within this news center are simply for informational purposes that we believe may be of benefit to our clients and/or website visitors. By providing these links on our website, we are not recommending or endorsing the use of the particular products or services these third parties offer. Nor does Laughlin Insurance, Inc. confirm, corroborate or agree to the statistics or opinions on these links and articles. We urge you to review each website’s Privacy Policy, Disclaimers, and develop an independent opinion of the service or product for any link pursued.