LouisianasMarketplace.com
doing
business as: K.F.Gourgues Insurance is an Independent Broker
providing all Louisianans a direct Portal to the "The
Marketplace or Exchange." LouisianasMarketplace.Com is a web
based Search & Quoting Engine powered by The Quotit
Corporation. You can get a Quote Now, Compare
and Apply in one clean sweep!
Our “Private Exchange” allows you to apply
directly with the Healthcare.gov site while staying connected
with your local agent. Please
take a moment to review our "Obamacare"
Explained article
below. This will give
you an in depth look at just what Obamacare is all about!
With LouisianasMarketplace.com,
both Individuals and Groups will have a direct portal to the
Health Marketplace. Our
site will allow you to see just how the subsidies will affect
your family’s healthcare budget even before you begin to apply!
I
am Kevin Gourgues, born and raised right here in Louisiana, and
I would love to be your home town agent helping you get through
this often times overwhelming process!
We represent all
Major Health Carriers both ON & OFF the Marketplace offering
plenty plans to choose from! Let
me help you make the right choice for your family!
Please take a minute, and get a Quote Today! Use our “recommended
plans” chart below to lessen the confusion!
You’ll see in just a few minutes just how the Federal
Subsidies may impact your Family’s Healthcare budget! Scroll
down to read more about “Obamacare” and learn all you need to
know!
Best Regards,
Kevin F. Gourgues
“Obamacare”
Explained:
Actually
known as the Affordable
Care Act, and
from this point forward the ACA.
Facts
you should know about the ACA!
Ø
Contrary to popular belief
Obamacare is NOT a specific plan, but simply a mandate on all
Health Carriers to provide a total of 10 Essential Health
Benefits (EHB) with no lifetime nor annual limits. These EHB’s
include Guaranteed Issue with No Preexisting Conditions,
Maternity, Child Dental Care, Mental Health & Substance
Abuse, ER, Preventive & Wellness and more.
Ø
Billions of dollars in Federal
Subsidies will affect millions of American Households!
Households between 100% and up to 400% of the FPL (Federal
Poverty Level, charts provided below on this page) will be
affected by Subsidies! This
could be a Family of 4 earning up to $95,400 annually.
Incomes based upon “anticipated” 2015 household
MAGI-Modified Adjusted Gross Income.
Ø
Subsidies are ONLY available via
the Health Marketplace or “Health Exchange.”
However, LouisianasMarketplace.com
will serve as a direct portal to the Healthcare.gov
site.
Subsidies eligibility will be determined on 2
things:
1.
Household Income (married persons
must file jointly to qualify)
2.
Your Family Composition (that is a
family of 4, mom & dad with 2 children)
Ø You will have full and direct access to the Federal Subsidies by applying directly through LouisianasMarketplace.com.
Ø
If you are personally eligible for
Medicaid via your state, then Federal Subsidies will
not be made available.
However, in some situations, your children may be
eligible for Medicaid, and you still may personally be
eligible for Federal Subsidies.
Ø
There are FIVE Health Carriers
that are ON-Exchange in Louisiana.
They are Blue Cross / Blue Shield, Humana (only in
Jefferson Parish, LA), Vantage Health and Louisiana Health
Co-Operative. We
represent them all! And
new for 2015 United Health One. We also represent all Off
Exchange carriers as well.
Ø If your Household Income based on your Family Composition falls between 100% and 250% you may also qualify for Cost Share Reduction!! This will be further explained below.
How
the Federal Subsidies may affect you?
Please review the chart below to see just how the ACA and the vast subsidies it may provide may affect your Family’s Healthcare cost. Based on your Family Composition and combined Household Income that you anticipate “earning at or less” the figures below, then the ACA may offer “Federal Subsidies” that are distributed as “Advanced Tax credits.” Those figures shown in Blue may also be eligible for Cost Share Reduction.
How Cost Share Reduction works?
100% + to < 150% of
FPL = 94% |
150% + to < 200% of
FPL = 87% |
200% + to 250% of FPL =
73% |
If your Household Income falls between 100% and
250% of FPL (Federal Poverty Level) then your overall share in
cost including Deductibles, Annual Max Out-of-Pockets Expenses
as well as Co-Pays will be “reduced” by the percentages
reflected in chart above. This
can dramatically reduce what you will actually pay Out-of-Pocket
on overall Healthcare Expenses.
In order to qualify for this “Cost Share Reduction” an On-Exchange a Silver Plan must be chosen.
Annual
Income by 2014 Federal Poverty Level (FPL) for the 48 contiguous states and the District
of Columbia |
||||||
|
Family Size |
|||||
2014
Federal Poverty Level |
1 |
2 |
3 |
4 |
5 |
6 |
Less
than 100% FPL |
If
household income falls below 100% of FPL, you may be
eligible for LA State Medicaid. Please
call 1-888-342-6207 to determine your eligibility. |
|||||
100% |
$11,670 |
$15,730 |
$19,790 |
$23,850 |
$27,910 |
$31,970 |
133% |
$15,560 |
$20,973 |
$26,386 |
$31,799 |
$37,212 |
$42,626 |
150% |
$17,505 |
$23,595 |
$29,685 |
$35,775 |
$41,865 |
$47,955 |
200% |
$23,340 |
$31,460 |
$39,580 |
$47,700 |
$55,820 |
$63,940 |
250% |
$29,175 |
$39,325 |
$49,475 |
$59,625 |
$69,775 |
$79,925 |
300% |
$35,010 |
$47,190 |
$59,370 |
$71,550 |
$83,730 |
$95,910 |
350% |
$40,845 |
$55,055 |
$69,265 |
$83,475 |
$97,685 |
$111,895 |
400% |
$46,680 |
$62,920 |
$79,160 |
$95,400 |
$111,640 |
$127,880 |
Source: Department of Health & Human Services |
What you
can expect to pay?
The chart provided below is only a guideline of
the maximum dollar amount you may expect to pay monthly for
healthcare which is calculated by a percent of monthly household
income. These “monthly
payments” reflected below is generally what you can expect to
pay for the second lowest priced Silver Plan in the Marketplace. You can expect to pay more
when choosing a premium Silver Plan in the Marketplace.
Illustrative Maximum Monthly Premium by
Family Size, if
Premium Credits are available in 2014. |
|||||||
|
Family Size |
||||||
2014 Federal
Poverty Level |
Maximum Premium Contribution as % of Monthly
Income |
1 |
2 |
3 |
4 |
5 |
6 |
100% |
2.00% |
$19 |
$26 |
$33 |
$40 |
$47 |
$53 |
133% |
2.00% |
$26 |
$35 |
$44 |
$53 |
$62 |
$71 |
133.01% |
3.00% |
$39 |
$52 |
$66 |
$79 |
$93 |
$107 |
150% |
4.00% |
$58 |
$79 |
$99 |
$119 |
$140 |
$160 |
200% |
6.30% |
$123 |
$165 |
$208 |
$250 |
$293 |
$336 |
250% |
8.05% |
$196 |
$264 |
$332 |
$400 |
$468 |
$536 |
300% |
9.50% |
$277 |
$374 |
$470 |
$566 |
$663 |
$759 |
350% |
9.50% |
$323 |
$436 |
$548 |
$661 |
$773 |
$886 |
400% |
9.50% |
$370 |
$498 |
$627 |
$755 |
$884 |
$1,012 |
Visit LouisianasMarketplace.com today and get things started! Pricing for 2015 Plans
are now all posted for Jan 2015 rates.
If your Household Income falls between 100% and 400% of
FPL, then any increase in cost of plans should have a negligible
effect on your net monthly premiums.
This is because your net premium cost is based on the
percent shown in chart above of your monthly income.
The chart above is only a guideline and the specific
percent will be calculated on your specific household income.
Visit LouisianasMarketplace.com
today and find out exactly
how the Federal Subsidies via the ACA will affect your Family. Getting a Quote takes
just a couple of minutes and you’ll know just what to expect.
The
Next BIG Question!
ON-Exchange
or OFF-Exchange?
Well that certainly depends on whether you are eligible
and wish to take advantage of the Federal Subsidies that the ACA
has to offer. You can access
the Marketplace or “Health Exchange” directly through www.LouisianasMarketplace.com OR simply call us directly, and
we'll be happy to walk you through it without ever
visiting Healthcare.gov yourself!
If you feel that you do not qualify for Subsidies
then there is no need to go through Healthcare.gov and you can
apply directly with an ON or OFF Exchange Health Carrier.
We
represent ALL Louisiana Health Carriers both ON & OFF
Exchange! Just give us a call and we
will take your application right over the phone!
There are now 5 Health Carriers ON-Exchange in the state of Louisiana. They are Blue Cross / Blue Shield, Humana (only in Jefferson Parish), Vantage Health and Louisiana Co-operative. And now United Health One.
LouisianasMarketplace.com will serve as your
direct portal to Healthcare.gov
On LouisianasMarketplce.com you will be able to
Quote, Choose a Plan, and Apply all in one simplified process.
This way you will be able to take full
advantage of all the benefits such as Subsidies via
Healthcare.gov while still working with a local agent to guide
you along the way!
Step
1 Quote:
Visit
our Home Page and click on the "Individual Health" link on the
menu bar under "Our Services" in gold at left of page. Then simply
enter your Zip Code and other optional info. Then press "See Plans
and Prices."
Step
2 Review:
a)
Enter ages of all family members needing coverage. b) The total
number of household members (even those not needing coverage). c)
And the total income of all family members including dependents.
Step
3 Apply:
Please
give Kevin a call directly at 985-778-0072. Please DO NOT apply
online. Kevin will assist you in reviewing and choosing your
health plan. The application will be taken over the phone in
about 5 minutes. NO need to deal with Healthcare.gov!
Please Note: If applying on or after the 16th of the month, then coverage will be the “next following” month. For example, apply on December 18th then coverage will begin February 1st, 2016.
PLEASE CALL KEVIN G. DIRECTLY TO COMPLETE YOUR APPLICATION RIGHT OVER THE PHONE IN AS LITTLE AS 5 MINUTES!
AT 985-778-0072
Always feel free to call to discuss with Kevin your options as well as Q’s you may have. We can easily take your application over the phone now!
Please keep in mind if your Household Income is within 250% of the FPL, then you must choose a Silver Plan to have Cost Share Reduction made available to you and your family. The Special "reduced" plans will now be reflected in your Quote details shown!