DOCSLIB.ORG

What Is Pennie?

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
What Is Pennie? COMMON What is Pennie? TERMS Pennie is Pennsylvania’s official destination for shopping for quality health and dental insurance plans and is Let’s make buying health Welcome to the only place that will help you find out insurance easier to understand if you are eligible for financial assistance Some of the terms you’ll see while to lower your monthly premium and/or you’re shopping include: out-of-pocket expenses. Premium When the only thing you know is that you need The amount you pay for your health health coverage, Pennie has the answers. coverage every month Deductible How much you owe for healthcare Key dates to remember services before your insurer starts to for 2021 coverage pay Copay Nov. 1, 2020, to Jan. 15, 2021 A predetermined rate you pay for healthcare services at the time of care Open Enrollment Recently uninsured? Co-insurance The percentage of costs of a covered First-time insurance Dec. 15, 2020 healthcare service you pay (20%, shopper? for example) after you’ve paid your Enrollment date for coverage deductible that starts Jan. 1, 2021 Want to compare plans Out-of-pocket maximum and prices? The most money in deductibles, Jan. 15, 2021 copays and co-insurance you could Last date to apply for 2021 pay each year (excluding your monthly premium), regardless of how much coverage medical care you use gets you covered. Network Get your health insurance questions answered, The healthcare providers and facilities shop and compare plans, and take the next (hospitals, urgent care centers, Pennie helps you shop, compare and step to good health with Pennie! labs, etc.) your health insurer has purchase health coverage. contracted with to provide healthcare services. Staying in-network usually is Learn more inside. pennie.com • 1-844-844-8040 cheaper than going out-of-network pennie.com Health insurance Get the financial Enrollment basics shopping checklist support you need! What is open enrollment? Not covered through work or another program like Medicaid? Before you start enrollment with This is the yearly period when you can buy Pennie, gather the following: Nearly nine out of 10 Pennsylvanians health insurance. If you don’t enroll during this You can find the coverage that’s right for you currently qualify for financial time, you can’t sign up until the next one, unless through Pennie. O Photo ID(s) (driver’s license, passport assistance! you qualify for a Special Enrollment Period. or other option proving your identity) Pennsylvania’s Open Enrollment Period runs O Social Security numbers(s) Pennie is happy to help you access two First time shopping for coverage? types of help that reduce what you pay for from Nov. 1, 2020, to Jan. 15, 2021. Pennie helps you shop for, compare and buy O Last four weeks of pay stubs coverage and care, if you qualify: Advanced health insurance. Premium Tax Credit (APTC) and Cost- What is a special enrollment period? O Immigration documents, if sharing Reductions (CSR). This is when you can enroll outside of open applicable enrollment if you’ve experienced certain How do I shop and compare plans? O Most recent tax return(s) qualifying life events, including losing health • Go to pennie.com coverage, moving, getting married or having • Click the “Get Covered” button to go to a portal a baby. to view options and shop • Provide basic information about you and your Why do I need to renew my health family How to enroll Advanced Premium Tax Credit insurance plan? • Pennie will match you with plans that meet your 1 Compare plans and get a quick quote The APTC is a tax credit that lowers your If your current healthcare.gov plan is still needs and budget Pennie helps you shop and compare premium, or monthly health insurance available and you’ve had no major changes, the price and coverage options for payment. When you apply for coverage you may be able to keep it. It is still important We compare your TOTAL out-of-pocket cost, not health and dental insurance plans through Pennie, you’ll estimate your to compare plans and prices every year to just your monthly premiums. even before you apply. expected income for the year. If you qualify make sure you are getting the best health for APTC, you can use any amount of the plan available. Pennie allows you to easily shop When you find the plan that best suits your needs, 2 Apply for coverage credit in advance to lower your monthly and compare and find out if you qualify for add it to your cart, pay your first month’s premium When it’s time to apply, make sure to payments. financial assistance. and then you’re covered! have handy the important information outlined in the shopping checklist and other details about your household. Why get coverage? Who can help me shop and enroll? If you’re completing the enrollment process by 3 Pay your first month’s premium Accidents and illnesses happen. Health yourself, our Pennie Customer Service team Many plans allow you to pay online. insurance gives you peace of mind during is ready to help at any point. If you would like Your coverage cannot begin until you uncertain times, such as the COVID-19 further assistance, you can choose between a have paid your first month’s premium. pandemic. Plus, some preventive services are Cost-sharing Reduction Pennie Assister or a Pennie-certified Broker. We free to help keep you and your family healthy. You’re covered! can also help connect you with other coverage The CSR helps to lower the amount you have Enjoy the peace of mind that comes options, such as Medicaid and CHIP. to pay for deductibles, copayments and Who can get coverage? with knowing you and your family coinsurance. If you qualify, you must enroll in have health insurance. Start using your PA residents who are citizens, U.S. nationals or a plan in the Silver category to get the extra coverage to get the care you need. savings. have a qualifying immigration status can apply and enroll in health coverage through Pennie. Get all the details at pennie.com! pennie.com • 1-844-844-8040 .
Load more

Recommended publications
  • Publication 974, Premium Tax Credit (PTC)
    Userid: CPM Schema: tipx Leadpct: 100% Pt. size: 10 Draft Ok to Print AH XSL/XML Fileid: … tions/P974/2020/A/XML/Cycle04/source (Init. & Date) _______ Page 1 of 80 16:23 - 16-Apr-2021 The type and rule above prints on all proofs including departmental reproduction proofs. MUST be removed before printing. Department of the Treasury Contents Internal Revenue Service Future Developments ....................... 1 Publication 974 Reminders ............................... 2 Cat. No. 66452Q Introduction .............................. 2 What Is the Premium Tax Credit (PTC)? ......... 3 Premium Tax Who Must File Form 8962 .................... 3 Who Can Take the PTC ...................... 4 Credit (PTC) Terms You May Need To Know ............... 4 For use in preparing Minimum Essential Coverage (MEC) ........... 8 Individuals Not Lawfully Present in the United 2020 Returns States Enrolled in a Qualified Health Plan ... 19 Determining the Premium for the Applicable Second Lowest Cost Silver Plan (SLCSP) ... 27 Allocating Policy Amounts for Individuals With No One in Their Tax Family .............. 27 Allocation of Policy Amounts Among Three or More Taxpayers ....................... 28 Alternative Calculation for Year of Marriage .... 38 Self-Employed Health Insurance Deduction and PTC ............................. 57 How To Get Tax Help ...................... 76 Index .................................. 80 Future Developments For the latest information about developments related to Pub. 974, such as legislation enacted after it was published, go to IRS.gov/Pub974. What’s New Health reimbursement arrangements (HRAs). Begin- ning in 2020, employers can offer individual coverage health reimbursement arrangements (individual coverage HRAs) to help employees and their families with their medical expenses. If you are offered an individual cover- age HRA, see Individual Coverage HRAs, later for more information on whether you can claim a PTC for you or a member of your family for Marketplace coverage.
    [Show full text]
  • Dispute Form 1095-A for Covered California Consumer  If You Need Help in Spanish, Or Would Like This Form in Spanish, You Can Call 1-800-300-0213
    Dispute Form 1095-A for Covered California Consumer If you need help in Spanish, or would like this form in Spanish, you can call 1-800-300-0213. If you need help in a language other than English or Spanish, please see the final page of this document for language-specific telephone numbers. If you would like more information about Form 1095-A, please visit: www.coveredca.com. If you would like more information about filing your taxes, please visit: www.irs.gov/aca. Free tax advice is also available through Volunteer Income Tax Assistance at 1-800-906-9887 or if you are over 60 years old there is free Tax Counseling for the Elderly at 1-800-906-9887. Instructions: You may use this form to dispute the information on the Form 1095-A or request a Form 1095-A if you did not receive one. Based on any corrections you show on this form, Covered California will review and check the new information you report. If, after review, Covered California determines that the updated information you provided is correct, we will send you a new, corrected Form 1095-A. To help with our review, please include any supporting documents with this form. Supporting documents could include invoices from your health plan that show the amount of premium assistance (tax credits or APTC) you received and monthly premium you paid, or Covered California notices that show how much premium assistance you were eligible for. Do I have to use this form to make all changes to information on my Form 1095-A? No.
    [Show full text]
  • New Health Insurance Tax Credits in Idaho
    New Health Insurance Tax Credits in Idaho Families USA Help Is at Hand: New Health Insurance Tax Credits in Idaho © April 2013 by Families USA This publication is available online at www.familiesusa.org. Families USA 1201 New York Avenue NW, Suite 1100 Washington, DC 20005 Phone: 202-628-3030 Fax: 202-347-2417 Email: [email protected] www.familiesusa.org Cover Design: Nancy Magill, Families USA Help Is at Hand: New Health Insurance Tax Credits in Idaho tarting in 2014, the Affordable Care Act will extend health coverage to millions of Americans. This will be done, in part, by Soffering tax credits to help low- and middle-income Americans afford private coverage. These new tax credits, which will offset a portion of the cost of health insurance premiums, will soon become a reality, allowing many previously uninsured Idahoans to purchase quality health coverage. This report takes a closer look at these premium tax credits in Idaho, which will help Idahoans with incomes up to four times the federal poverty level ($94,200 for a family of four in 2013)1 afford coverage. The unique structure of the tax credits means that people will be protected from having to spend more than a set percentage of their income on health insurance premiums. These premium tax credits will take effect in January 2014, following open enrollment that begins in October 2013. Families USA commissioned The Lewin Group to use its widely respected Health Benefits Simulation Model to estimate how many people in Idaho and across the country could benefit from the new premium tax credits in 2014.
    [Show full text]
  • The Kentucky Marketplace's Internal Controls Were Generally Effective In
    Department of Health and Human Services OFFICE OF INSPECTOR GENERAL THE KENTUCKY MARKETPLACE’S INTERNAL CONTROLS WERE GENERALLY EFFECTIVE IN ENSURING THAT INDIVIDUALS WERE ENROLLED IN QUALIFIED HEALTH PLANS ACCORDING TO FEDERAL REQUIREMENTS Inquiries about this report may be addressed to the Office of Public Affairs at [email protected]. Daniel R. Levinson Inspector General October 2015 A-04-14-08036 Office of Inspector General http://oig.hhs.gov The mission of the Office of Inspector General (OIG), as mandated by Public Law 95-452, as amended, is to protect the integrity of the Department of Health and Human Services (HHS) programs, as well as the health and welfare of beneficiaries served by those programs. This statutory mission is carried out through a nationwide network of audits, investigations, and inspections conducted by the following operating components: Office of Audit Services The Office of Audit Services (OAS) provides auditing services for HHS, either by conducting audits with its own audit resources or by overseeing audit work done by others. Audits examine the performance of HHS programs and/or its grantees and contractors in carrying out their respective responsibilities and are intended to provide independent assessments of HHS programs and operations. These assessments help reduce waste, abuse, and mismanagement and promote economy and efficiency throughout HHS. Office of Evaluation and Inspections The Office of Evaluation and Inspections (OEI) conducts national evaluations to provide HHS, Congress, and the public with timely, useful, and reliable information on significant issues. These evaluations focus on preventing fraud, waste, or abuse and promoting economy, efficiency, and effectiveness of departmental programs.
    [Show full text]
  • Publication 5187, Affordable Care
    Affordable Care Act: PUBLICATION What You and Your 5187 Family Need to Know Tax Year 2020 Get forms and other information faster and easier at: IRS.gov (English) IRS.gov/Chinese (中文) IRS.gov/Russian (Pусский) IRS.gov/Spanish (Español) IRS.gov/Korean (한국어) IRS.gov/Vietnamese (TiếngViệt) Table of Contents Introduction . 3 Affordable Care Act Overview . 4 Individual Shared Responsibility Provision . .. 5 Premium Tax Credit and Advance Payments . 9 U .S . Citizens Living Abroad . 15 Summary . 16 Glossary . 17 2 AFFORDABALE CARE ACT: WHAT YOU AND YOUR FAMILY NEED TO KNOW Introduction This publication covers some of the tax provisions of the Affordable Care Act (ACA). It provides information about the individual shared responsibility and the premium tax credit. A glossary is included to help taxpayers understand some terms related to the health care law. What’s New? Under the Tax Cuts and Jobs Act, passed December 22, 2017, the amount of the individual shared responsibility payment is reduced to zero for months beginning after December 31, 2018. Beginning in tax year 2019 and beyond, Forms 1040 and 1040-SR will not have the “full-year health care coverage or exempt” box and Form 8965, Health Coverage Exemptions, will no longer be used. You need not make a shared responsibility payment or file Form 8965, Health Coverage Exemptions, with your tax return if you don’t have minimum essential coverage for part or all of the year. Reminder from the IRS: If you need health coverage, visit HealthCare.gov to learn about health insurance options that are available for you and your family, how to purchase health insurance, and how you might qualify to get financial assistance with the cost of insurance.
    [Show full text]
  • Not All of the Vermont Marketplace's Internal Controls Were Effective In
    Department of Health and Human Services OFFICE OF INSPECTOR GENERAL NOT ALL OF THE VERMONT MARKETPLACE’S INTERNAL CONTROLS WERE EFFECTIVE IN ENSURING THAT INDIVIDUALS WERE ENROLLED IN QUALIFIED HEALTH PLANS ACCORDING TO FEDERAL REQUIREMENTS Inquiries about this report may be addressed to the Office of Public Affairs at [email protected]. Daniel R. Levinson Inspector General March 2016 A-01-14-02507 Office of Inspector General http://oig.hhs.gov The mission of the Office of Inspector General (OIG), as mandated by Public Law 95-452, as amended, is to protect the integrity of the Department of Health and Human Services (HHS) programs, as well as the health and welfare of beneficiaries served by those programs. This statutory mission is carried out through a nationwide network of audits, investigations, and inspections conducted by the following operating components: Office of Audit Services The Office of Audit Services (OAS) provides auditing services for HHS, either by conducting audits with its own audit resources or by overseeing audit work done by others. Audits examine the performance of HHS programs and/or its grantees and contractors in carrying out their respective responsibilities and are intended to provide independent assessments of HHS programs and operations. These assessments help reduce waste, abuse, and mismanagement and promote economy and efficiency throughout HHS. Office of Evaluation and Inspections The Office of Evaluation and Inspections (OEI) conducts national evaluations to provide HHS, Congress, and the public with timely, useful, and reliable information on significant issues. These evaluations focus on preventing fraud, waste, or abuse and promoting economy, efficiency, and effectiveness of departmental programs.
    [Show full text]
  • Health Insurance Exchange Operations Chart
    Health Insurance Exchange Operations Chart *Chart updated June 12, 2015 Allison Wils As states continue to refine the operations of their health insurance exchanges, regardless of the exchange type (state-based exchange, state partnership exchange, or federally facilitated marketplace), it's helpful to compare and contrast operational resources. This chart contains each state's resources and forms for three distinct, and fundamentally important, areas of exchange operation: applications, appeals, and taxes. With links directly to the states' forms and guides related to these issue areas, this chart serves as a one-stop resource library for those interested in developing new, or revising old, versions of applications, appeals, and tax resources. Like all State Refor(u)m research, this chart is a collaborative effort with you, the user. Know of something we should add to this compilation? Your feedback is central to our ongoing, real-time analytical process, so tell us in a comment, or email [email protected] with your suggestions. State Application Forms & Guides Appeal Forms & Guides Tax Guides IRS: Form 1095-A Health Insurance Marketplace Statement IRS: Instructions for Form 1095-A Health Insurance Marketplace Statement IRS: Form 8962 Premium Tax Credit IRS: Form 8965 Health Coverage Federally-Facilitated Marketplaces Healthcare.gov: Appeal Request Exemptions Healthcare.gov: Application for (FFM) & State Partnership Form for Wyoming Marketplace (SPM) States (AK, Health Coverage & Help Paying IRS: Instructions for Form 8965 AL, AR, AZ, DE, FL, GA, IA, IL, IN, Costs Healthcare.gov: Appeal Request Health Coverage Exemptions KS, LA, ME, MI, MS, MO, MT, NC, Form for Select States (Group 1) Healthcare.gov: Instructions to IRS: Affordable Care Act Tax ND, NE, NH, NJ, OH, OK, PA, SC, Help You Complete Your Provisions SD, TN, TX, UT, VA, WA, WV, and Healthcare.gov: Appeal Request Application for Health Coverage Form for Select States (Group 2) WY) IRS: Pub.
    [Show full text]
  • The Premium Tax Credit a Tax Credit Available to Lower Income Taxpayers to Help Make Health Insurance More Affordable
    WEALTH SOLUTIONS GROUP The Premium Tax Credit A tax credit available to lower income taxpayers to help make health insurance more affordable. Financial & Estate Planning Department The Premium Tax Credit, which was created as part Audrey Blanke, Financial Planner of the Patient Protection and Affordable Care Act of Rich Braun, Financial Planner 2010, is intended to help make health insurance Chris Dolan, Senior Financial Planner more affordable for individuals with lower incomes by providing a tax credit to subsidize the cost of Brian Ellenbecker, Senior Financial Planner health insurance. Linda Grant-Smith, Financial Planner April, 2019 ELIGIBILITY FOR THE TAX CREDIT To qualify for the premium tax credit, a household must first have household income (defined below) that is between 100% and 400% of the Federal Poverty Level (FPL). Each year, the premium tax credit thresholds are adjusted based on inflation-adjustments applied to the FPLs. The table below shows the income ranges for various household sizes for 2019: Household Size 1 2 3 4 5 6 7 8 100% Poverty $12,140 $16,460 $20,780 $25,100 $29,420 $33,740 $38,060 $42,380 Level Income 138% Poverty $16,753 $22,715 $28,676 $34,638 $40,600 $46,561 $52,523 $58,484 Level Income 150% Poverty $18,210 $24,690 $31,170 $37,650 $44,130 $50,610 $57,090 $63,570 Level Income 200% Poverty $24,280 $32,950 $41,560 $50,200 $58,840 $67,480 $76,120 $84,760 Level Income 250% Poverty $30,350 $41,150 $51,950 $62,750 $73,550 $84,350 $95,150 $105,950 Level Income 300% Poverty $36,420 $49,380 $62,340 $75,300 $88,260 $101,220 $114,180 $127,140 Level Income 400% Poverty $48,560 $65,840 $83,120 $100,400 $117,680 $134,960 $152,240 $169,520 Level Income Note: The FPL increases by $4,320 for each additional family member.
    [Show full text]
  • Premium Tax Credit
    Premium Tax Credit The Premium Tax Credit helps eligible low or moderate income individuals and families afford health insurance through the Health Insurance Marketplace. Am I eligible for the Premium Tax Credit? Yes, if you meet the following: You or a family member (you, your spouse, You cannot be claimed as a dependent or a dependent) enroll in coverage through by anyone else. the Marketplace. You or a family member cannot get You file a joint return if you are married.* affordable coverage through your employer, *Special rules are available for victims of domestic abuse or spousal abandonment. determined by specific guidelines. You have a household income** within You or a family member are not eligible certain ranges. for coverage through a government program, **Household income is not always your wages. Refer to such as Medicaid, Medicare, CHIP, or TRICARE. irs.gov/aca for more information. How does the Premium Tax Credit work? If you’re eligible, you can: Have the credit paid in Get the full benefit advance to your insurance OR of the credit when you company file your tax return This will lower your monthly premiums. When you Pay full price for your insurance file your federal tax return, you will reconcile your now and get the full benefit of the advance payment of the premium tax credit with premium tax credit when you file the actual credit you calculate on your return. your tax return. A change in your life could change your Premium Tax Credit. Your premium tax credit is determined You can change your information online or by phone.
    [Show full text]
  • MVP Vermont Health Plan Enrollment and Change for Individual Direct
    Health Plan Enrollment or Change for Vermont Individual Direct Plans Action Requested: Enrollment Change Termination Please complete all pages of this form. Section 1: Information About Yourself (please print) Applicant Name (First, Middle Initial, Last) Marital Status Single Married Street Address City State Zip Code County Email Phone ( ) Coverage Level Applicant Applicant and Spouse Applicant and Dependent(s) Family Are you and/or your spouse Yes No If Yes, provide your Medicare Member ID No(s). eligible for Medicare? (Yourself) (Spouse/Dependent) If Yes, provide Medicare Parts A and B Effective Dates. (Yourself) Part A Part B (Spouse) Part A Part B Section 2: Enrollment/Change/Termination Information Enrollment or Change (check all that apply) Termination New Applicant Add Dependent Address Change Terminate from Plan Name Change Transfer to Another Plan Remove Dependent(s) only (specify name or member ID no.) Requested Effective Date Reason (explain) Qualifying Event Requested Effective Date Reason for Termination Moved from Service Area Opting for Other Coverage Other Note: Effective dates are based on date of receipt at MVP. Other Section 3: Choose Your Coverage (Enrollments and Changes) Standard Non-Standard Plan Name (e.g. Gold 4 HDHP) Section 4: Information About All Family Members You Want to Enroll in Your Plan (Enrollments and Changes) You (Applicant) and each individual listed below must designate a choice of Primary Care Physician (PCP). To search for doctors in our network, visit mvphealthcare.com and select Find a Doctor, or contact the MVP Customer Care Center at 1-888-687-6277 for assistance. Please use a separate form for additional individuals.
    [Show full text]
  • Privacy Policy
    PENNSYLVANIA HEALTH INSURANCE EXCHANGE AUTHORITY PRIVACY POLICY Purpose The Pennsylvania Health Insurance Exchange Authority d/b/a Pennie (Pennie) is the Commonwealth of Pennsylvania’s Affordable Care Act (ACA) Administering Entity. As part of Pennie’s responsibilities, it will collect sensitive information from customers in order to perform its ACA-mandated functions, such as enrolling customers in Qualified Health Plans (QHPs) or Qualified Dental Plans (QDPs) and determining someone’s eligibility for Advance Premium Tax Credits (APTC) and Cost-Sharing Reductions (CSR). To do this, Pennie is required to collect certain Personally Identifiable Information (PII) and Protected Health Information (PHI). Both PII and PHI are protected by federal and state laws. At Pennie, customer privacy is important. Pennie respects your right to privacy and will strive to protect information we maintain about you in the ongoing operation of the health exchange in accordance with the applicable laws, regulations, and standards for security and privacy. This Privacy Policy describes how information gathered by Pennie from various sources – such as the customer, parents and guardians about their children, from employers, from employees, and from governmental sources – may be collected, used, disclosed, and accessed. Pennie may amend this Privacy Policy from time to time without notice. Privacy and Security Partnership Your privacy is best protected by a partnership between Pennie and you, the customer. We take steps to protect your privacy in accordance with the privacy and security standards for the protection of PII and PHI established in the ACA and its regulations: See 45 C.F.R. § 155.260. The information in this Privacy Policy will allow you to make informed decisions about your interactions with Pennie, such as decisions about whether to share PII or PHI with us.
    [Show full text]
  • New Health Insurance Tax Credits in Vermont
    New Health Insurance Tax Credits in Vermont Families USA Help Is at Hand: New Health Insurance Tax Credits in Vermont © April 2013 by Families USA This publication is available online at www.familiesusa.org. Families USA 1201 New York Avenue NW, Suite 1100 Washington, DC 20005 Phone: 202-628-3030 Fax: 202-347-2417 Email: [email protected] www.familiesusa.org Cover Design: Nancy Magill, Families USA Help Is at Hand: New Health Insurance Tax Credits in Vermont tarting in 2014, the Affordable Care Act will extend health coverage to millions of Americans. This will be done, in part, by Soffering tax credits to help low- and middle-income Americans afford private coverage. These new tax credits, which will offset a portion of the cost of health insurance premiums, will soon become a reality, allowing many previously uninsured Vermonters to purchase quality health coverage. This report takes a closer look at these premium tax credits in Vermont, which will help Vermonters with incomes up to four times the federal poverty level ($94,200 for a family of four in 2013)1 afford coverage. The unique structure of the tax credits means that people will be protected from having to spend more than a set percentage of their income on health insurance premiums. These premium tax credits will take effect in January 2014, following open enrollment that begins in October 2013. Families USA commissioned The Lewin Group to use its widely respected Health Benefits Simulation Model to estimate how many people in Vermont and across the country could benefit from the new premium tax credits in 2014.
    [Show full text]