Deadline Extended Healthcare – Sign up by Dec 17 for Jan 1 Coverage

JibeHealth.com (http://jibehealth.com)

December 15th 2015

Santa has delivered an early gift to millions of Americans by extending the deadline to get coverage for January 1st. Obamacare officials extended the deadline by 48 hours late Tuesday night as a result of “unprecedented demand” during the current 2015 open enrollment.

1-888-743-1417

The December deadline includes 38 states and California, the largest state run exchange. Officials have not indicated that an extension will be granted for the broader deadline of January 31st.

Get covered by January 1 and avoid the tax penalty of $695 or up to $2085+ per household.

A special number has been setup to fast track your application.

1-888-743-1417

Avoid any wait times. Must call in the next 48 hours!

Millions of Americans Have Unclaimed Health Care Money

The 2010 passage of the Affordable Care Act extended a variety of health care benefits to different socioeconomic groups. Specifically, Obamacare sought to deliver reliable insurance coverage to lower-income, often uninsured groups. Subsidies, which are a part of the ACA, help to offset the costs of health insurance for individuals and families who meet specific income standards. Unfortunately, many people are unaware of the intricacies of Obamacare, including the access to subsidies, which results in billions of dollars of health subsidy money left untouched.

Health Subsidy Requirements

The annually established federal poverty level, or FPL, is the standard by which subsidies are assessed and distributed — for health insurance and beyond. The federal poverty level is set for a variety of family sizes, from individuals and married couples to families with one or many children. What percentage of income an individual, couple, or family brings in as it relates to the FPL determines what, if any subsidies, that they are eligible for. For example, the Affordable Care Act gives states the opportunity to offer Medicaid coverage to anyone who qualifies under 138% of the FPL. Those with incomes of up to 400% of the FPL may also have access to insurance coverage with lower deductibles and copayments, which can result in significant savings every month. In between those extremes, other subsidies exist as well.

Purpose

One of the primary tenets of the Affordable Care Act was to give the uninsured access to affordable health care. Thus, the purpose of these subsidies is to help extend health coverage to those people who need it but cannot afford it. Individuals and families living at low and moderate income levels might struggle to piece together the money to secure health insurance. These subsidies make both health coverage and health care services more affordable, with a goal of increasing the number of insured individuals in the U.S. If you haven’t looked into your eligibility for subsidies, now is the time.

Recouping Your Subsidies

Determining whether you are eligible for subsidies begins with comparing your household income to the federal poverty level. Don’t be put off by this simple formula. Instead, visit the Jibe Health platform, www.jibehealth.com where you can determine your subsidy eligibility in as little as 60 seconds. Just imagine in one minute, you might tap into unclaimed money that you deserve in accordance to the Affordable Care Act. We understand that researching these subsidies and assessing your eligibility might be confusing, especially for novices with health insurance. At Jibe Health, we are well versed in the many intricacies of the Affordable Care Act’s subsidies, and we can quickly assess whether your income level qualifies you for these reduced rates.

The federal government is sitting on billions of dollars in subsidies that have gone unused. Don’t let these potential savings go to waste another day. If you think that your family might be eligible for a subsidy, let JibeHealth.com help you minimize your health care expenses today. You’re just a few clicks away from increased savings and improved access to health care.

Why Your Generic Prescription Could Be Killing You

Opting for a generic prescription might seem like the smart choice. After all, you seem to be getting the same drug, only at a fraction of the price. However, generic drugs aren’t always what they seem. You could be putting your health at risk by choosing the more inexpensive option. Discover here why generic drugs could be a dangerous choice, one that can have serious and long-term consequences.

Bioequivalence: Not an Exact Science

While the U.S. Food and Drug Administration oversees the production of generic drugs and ultimately approves their usage, the FDA also acknowledges that reproducing a brand-name drug isn’t always an easy undertaking. As a result, when you choose the generic option, you’re opting for a drug that is not the biologic equivalent of the brand-name drug.

Here’s how the creation of generic drugs works. The generic drug manufacturer, by law, is mandated to use the same active ingredient in the brand-name drug. However, the FDA gives some leeway regarding just how precise the use of that active ingredient must be. Rather than precisely replicating the makeup of the drug’s components, the FDA allows generic drug manufacturers to create a drug that contains up to 20% less of the active ingredient in the brand-name drug. As a result, your generic drug just might be 20% less effective than the brand name.

Furthermore, Katherine Eban of Fortune Magazine, reports that the FDA’s rules surrounding the drugs other ingredients are far more lax. So, while the generic drug you choose may have some portion of the same active ingredient in the name brand, it also may include other ingredients not found in the pricier prescription. Logic tells you that if you’re paying less for this drug, the ingredients are probably of a lesser quality.

The Impact of Generic Drugs

Simply put, the generic drug you pick up at your pharmacy probably isn’t the same makeup as the brand-name drug. As a result, the switch from a brand-name drug to a generic one can dramatically impact your health. For example, even when the brand-name drug and generic drug have the same amount of active ingredient, the rate at which this active ingredient is released into your body may vary. You might notice unexpected side effects and reduced efficacy of the drug as a result. Moreover, the less-regulated excipients, or other ingredients, may contribute to a host of side effects as well. In one startling example, individuals who took the brand-name antidepressant Wellbutrin XL reported extreme depression and suicidal thoughts when they switched to the generic drug, according to ABC News.

Choosing Health Insurance with Prescriptions in Mind

Your health insurance should give you the freedom to choose brand-name pharmaceuticals. While Tier 1 and Tier 2 generic prescriptions might result in a lower copay, they also might be less effective, bring with them more side effects, or, in a worst-case scenario, negatively impact your health. JibeHealth.com matches individuals with health insurance plans based on their needs.  JibeHealth http://www.jibehealth.com will match you with the right tier and identify health plans that meet your exact needs.  Tier 4 prescriptions include higher-priced, brand-name drugs. When choosing a health insurance plan, look closely at the prescription coverage to make sure you aren’t forced into opting for questionable generic alternatives. Maximize your health, and get matched with a plan that provides you access to Tier 4 brand-name drugs.