Frequently Asked Questions

A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.

 Type of plan usually present in larger companies where the employer  itself collects premiums from enrollees and takes on the responsibility  of paying employees’ and dependents’ medical claims. These employers can  contract for insurance services such as enrollment, claims processing,  and provider networks with a third party administrator, or they can be  self-administered. 

 Services that include medical and non-medical care provided to people  who are unable to perform basic activities of daily living such as  dressing or bathing. Long-term supports and services can be provided at  home, in the community, in assisted living or in nursing homes.  Individuals may need long-term supports and services at any age.  Medicare and most health insurance plans don’t pay for long-term care. 

Another term for the Health Insurance Marketplace®,  a service available in every state that helps individuals, families,  and small businesses shop for and enroll in affordable medical  insurance.

The Marketplace is accessible through websites, call centers, and in-person assistance.

When you fill out a  Marketplace application, you’ll find out if you qualify to save money  when you enroll in a medical insurance plan. You’ll also find out if you  qualify for Medicaid and the Children’s Health Insurance Program  (CHIP).

Whether you qualify for these programs depends on your expected income, household members, and other information.

 A limit in a range of major life activities. This includes activities  like seeing, hearing, walking and tasks like thinking and working.  Because different programs may have different disability standards,  please check the program you're interested in for its disability  standards. The list of activities mentioned above isn't exhaustive. 

 A health benefit  that at least partially covers vision care, like eye exams and glasses.  All plans in the Health Insurance Marketplace® include vision coverage for children. Only some plans include vision coverage for adults.

If adult vision coverage is important to you, check the details of any plan you’re considering.

If your plan  doesn’t include adult vision coverage, you can buy a “stand-alone”  vision plan to reduce your vision care expenses. The Marketplace doesn’t  offer stand-alone vision plans. To shop for stand-alone vision plans,  contact us and we'll help you!