Final Market Stabilization Rule

Did you know that approximately 500,000 fewer Americans enrolled in a plan during the open enrollment in 2017 than in 2016? The Centers for Medicare & Medicaid Services has issued the final market stabilization rule. The goal is to increase choices, lower premiums and encourage stability in health insurance markets for 2018.

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What is LifeLock?

Identity theft hit a record high in 2016, 15.4 million Americans fell victim – up 16 percent from 2015. *

 

LifeLock is the leader in identity theft protection services. Unlike a bank, a credit card company or a credit bureau, their focus is on protecting your identity – to help keep you safer in an always connected world.

DETECT & ALERT
Lifelock’s proprietary technology scans millions of transactions every second for threats to your identity.†

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Last Chance to Enroll

Last Chance to Enroll in Individual Health Insurance for 2017

Don’t wait until it’s too late to get your individual health coverage for 2017. Open Enrollment for Individual Health Insurance ends on January 31st. If you haven’t enrolled in a plan by this date, you may be stuck with your current coverage or no coverage for the remainder of the year unless you have a qualifying life event. Schedule an appointment with a licensed benefits counselor or start shopping today to make sure you are covered.

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Health Insurance Terms

Understanding Health Insurance Terms

Coinsurance:

Coinsurance is your share of the costs of a covered healthcare service calculated as a percent (for example, 20 percent) of the allowed amount for the service. You pay coinsurance plus any deductibles you still owe for a covered health service.

Premium:

A premium is the amount of money charged by an insurance company for coverage. The cost of premiums may be determined by several factors, including age, geographic area, tobacco use, and number of dependents.

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All Your Open Enrollment Questions Answered!

Frequently Asked Questions

Q: How is The Missouri Bar Private Insurance Exchange different than healthcare.gov?

A: Applying through The Missouri Bar Private Insurance Exchange allows for you to shop and compare all of the carriers in the private market at once and provides you with the advice of a licensed Benefits Counselor that has your individual needs in mind. You are also able to enroll in other exclusive benefits such as supplemental health, dental, vision, disability, etc. at the same time as your medical enrollment. This creates a one-stop-shop for all of your benefit needs. Your benefit elections are held in your personal exchange account where you are able to log back in and view your benefits at any time during the year.

Q: What are the important dates for enrolling in 2017 health coverage?

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