CareSource will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HEALTHSHERPA HEREBY DISCLAIMS ALL SUCH WARRANTIES WITH RESPECT TO THE PLATFORM, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ANY WARRANTY FOR INFORMATION, DATA, DATA PROCESSING SERVICES OR UNINTERRUPTED ACCESS, AND ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, COMPLETENESS, USEFULNESS, OR CONTENT OF INFORMATION. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. They may also qualify for a zero-dollar premium bronze plan (after tax credits). CareSource provides excellent additional services to its members, including rewards programs for healthy living, access to a registered nurse via CareSource24 . 2. The exercise of our and your rights in relation to these Terms of Use is not subject to the consent of any third party. Contact your tax or legal professional to discuss details regarding your individual business circumstances. CareSource may compensate User for such referrals if permitted under applicable state and federal laws. If you have questions about Caresource Marketplace plans, reach out to . Additionally, CareSource shall have no responsibility or liability for information or Content posted to the Platform from any non-CareSource affiliated third party. Providers can get help by calling Provider Services at 1-800-488-0134. Our mission is to provide information that will help everyday people make better decisions about buying and keeping their health coverage. CareSource Plans Medicaid MEDICAID Don't settle for basic Medicaid. If you dont want to share your information please submit a request from our contact page. CareSource offers healthcare plans for people who are uninsured and need it most. These Terms of Use permit you a limited license to access and use the Platform for the permitted purposes set forth herein. 155.260 to protect the privacy and security of personally identifiable information. According to the National Center for Health Statistics, more than 30% of U.S. adultsRead More, Have you recently had a qualifying life event? These Terms of Use, together with our Acceptable Use Policy and Privacy Notice, constitute the entire agreement between you and CareSource relating to your use of the Platform, and supersede any previous agreements, understandings, representations and warranties (both oral and written) with respect to your use of the Platform. CareSource will have no liability for any change to the Platform or any suspension or termination of your access to or use of the Platform. HealthMarkets is ranked Excellent (5 out of 5 stars) by 92% of customers on Trustpilot: Based on 3,101 customer reviews on Trustpilot in the health insurance agency category as of 4/29/21. Follow These 8 Tips to Reduce Your Out-of-Pocket Healthcare Costs, 6 Things to Remember As You Negotiate Medical Bills, How to Save Money with Expanded Bronze Plans. C. No Waiver. Heres What to Do Next, Health Insurance After Divorce: Your Options, Turning 26: Health Insurance Guide for Those Aging Off Their Parents Plan, How to Keep Your Doctor When Your Health Insurance Changes, Health Insurance After the Death of a Spouse, Parent or Other Plan Member. If CareSource desires to assert a claim against you and therefore elects to seek arbitration, it will send, by certified mail, a written Notice to the most recent address we have on file or otherwise in our records for you. The Health4Me app from UnitedHealthcare allows you to look for doctors and review your coverage and benefits. CareSource was founded in 1989 with a focus on providing high-quality coverage to Medicaid recipients. Cost sharing (deductibles and coinsurance) may be higher. You may deep link to a feature or content on the Site only with the prior written permission of both HealthSherpa and the Centers for Medicare & Medicaid Services ("CMS"). According to the National Center for Health Statistics, more than 30% . HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. You have a lot going on - and a family to take care of. Except as expressly set forth herein, the payment of all filing, administration and arbitrator fees will be governed by the AAA Rules. IF YOU WISH TO OPT OUT OF MARKETING EMAILS, YOU CAN UNSUBSCRIBE BY FOLLOWING THE UNSUBSCRIBE OPTIONS IN THE EMAIL ITSELF. Reliance on any information appearing on the Platform, whether provided by CareSource, its content providers, insurance companies, its clients, visitors to the Platform or others, is solely at your own risk. The CareSource app allows you to view your digital ID Card, find a doctor, file claims, make payments and more. They may also qualify for a zero-dollar premium bronze plan (after tax credits). How to Use Your State's Health Insurance Marketplace to Buy "Affordable" Health Insurance. No obligation to enroll. They may also qualify for a zero-dollar premium bronze plan (after tax credits). return 'medicare'; This website may not display all data on Qualified Health Plans (QHPs) being offered in your state through the Health Insurance Marketplace website. TO THE EXTENT THAT A STATE DOES NOT PERMIT THE EXCLUSION OR LIMITATION OF LIABILITY AS SET FORTH HEREIN, HEALTHSHERPA'S LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH STATES. CareSource may, in its sole discretion, suspend or terminate your account at any time, for any reason or no reason, with or without notice. In order to use certain features of the Platform, you may be required to establish an account and obtain a login name and password (Account Credentials). During the arbitration, the amount of any settlement offer made by CareSource or you shall not be disclosed to the arbitrator. All quotes are estimates and are not final until consumer is enrolled. 1. CareSource shall have the right, in its sole discretion, to deactivate a Users account or reset a Users Account Credentials for any reason, including if it determines that suspicious activity or misuse of the account has occurred. CareSource's quotes are based on the information consumers provide on our detailed questionnaires. Certain provisions of these Terms of Use may be superseded by expressly designated legal notices or terms located on particular pages within this Site. IF YOU ARE DISSATISFIED WITH THE PLATFORM, YOUR SOLE REMEDY IS TO DISCONTINUE USING THE PLATFORM. A. You agree to be bound by the applicable provisions of the CareSource Acceptable Use Policy, incorporated herein and made part of these Terms of Use by reference. You may be interested in these relevant articles from across the HealthMarkets.com network. CareSource is a nonprofit, multi-state health plan recognized as a national leader in managed care. . You agree to provide certain true, current, complete and accurate information about you as required by law, and to maintain and update such information as needed to keep it current, complete and accurate. Enroll in the CareSource Marketplace Low Deductible Silver plan today. If you have reason to believe that your account is no longer secure, you must immediately notify us at customer_support@healthsherpa.com. } else { Private off-Marketplace health insurance is also available. Name and Design The specific health insurance plan designs offered on and off the state-based and federally facilitated exchanges may vary. The easiest way to see your widest range of options is to call an agent or check your ZIP code online. Cons Ambetter Even though premiums are low for a bronze plan, the out-of-pocket expenses are very high. You must enable cookies to use this website. return 'medicare'; Contact Information. In no event shall User use any trademark, trade name, service mark, icon, logo or other indicator of CareSource without CareSources advance, express, written permission in each instance. If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Platform in violation of these Terms of Use, your right to use the Platform will cease and you must, at our option, return or destroy any copies of the materials you have made. Our quoting tool is provided for your information only. Medicare has neither reviewed nor endorsed this information. } else { Additionally, in the event a quote shows an incorrect price due to typographical error or error in pricing information received from our carriers, the correct quotation based on our carriers filed rates shall control. No obligation to enroll. This website may not display all data on Qualified Health Plans (QHPs) being offered in your state through the Health Insurance Marketplace website. Except as otherwise set forth in these Terms of Use, these Terms of Use are for the benefit of you and CareSource and are not intended to benefit any third party or be enforceable by any third party. The failure to require performance of any provision of these Terms of Use will not affect our right to require performance at any other time after that, nor will a waiver by us of any breach or default of these Terms of Use, or any provision of these Terms of Use, be a waiver of any subsequent breach or default or a waiver of the provision itself. The CareSource Marketplace Gold Dental, Vision, & Fitness plan is a Health Maintenance Organization (HMO) plan. Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Platform, the server on which the Platform is stored, or any server, computer or database connected to the Platform. } Those with incomes between 100% and 150% of the federal poverty level (FPL) may qualify for a zero-dollar premium silver plan (after tax credits). In addition to initiating your prior authorization request through the provider portal, you can now submit requests to update your authorization requests. You must not use such marks without the prior written permission of CareSource. 1. Cost sharing (deductibles and coinsurance) may be higher. Standard text messaging and telephone minute charges applied by your cell phone carrier may apply. CareSource and our partners provide access to US licensed physicians who can consult, diagnose, and prescribe medications by phone or video for short-term illnesses. HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces. CareSource24 A team of nurses who can answer health questions 24/7/365. Benefit Explanation: Emergency room copay or coinsurance is waived if you are admitted to the hospital directly from the Emergency Department. Not all agents are licensed to sell all products. Highmark noted in their filing that they "experienced an unanticipated financial gain in 2017," after losing money in the ACA-compliant individual market in prior years. return 'medicare'; CareSource and UnitedHealthcare Enrollment Process CareSource Can Medical Bills Go on Your Credit Report? HealthMarkets can find the right health insurance plan for you. Affordable marketplace plans with different tiers of coverage. So, what is Marketplace insurance? Enroll in the CareSource Marketplace Gold Dental, Vision + Fitness plan today. The app allows users to find doctors, hospitals, and pharmacies, view claims, pay bill, and manage prescriptions. Otherwise, different plans will have different rates. If you are using the Platform on behalf of an entity, organization or company, you represent and warrant that you have the authority to bind that organization to these Terms of Use and you agree to be bound by these Terms of Use individually and on behalf of that organization. YOU AND HEALTHSHERPA AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. In offering this website, HealthMarkets Insurance Agency is required to comply with all applicable federal laws, including the standards established under 45 C.F.R. You agree that disputes arising under these Terms of Use will be resolved by binding, individual arbitration, and by accepting these Terms of Use, YOU AND HEALTHSHERPA ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN ANY CLASS ACTION OR REPRESENTATIVE PROCEEDING. CareSource also offers private health insurance plans on the Health Insurance Marketplace, including Medicare Advantage and MyCare Ohio plans. 155.220(c) and (d) and standards established under 45 C.F.R. Use the Platform in any manner that could disable, overburden, damage, or impair the Platform or interfere with any other partys use of the Platform. You may not reproduce, republish, reverse-engineer, copy, upload, download, display, modify, interfere with, circumvent, license, transmit, or distribute any feature of the Platform, including materials retrieved from the Platform, any security or access control mechanism, or the underlying code in any form or by any means or for any commercial or other purpose not expressly authorized under these Terms of Use. You acknowledge that the Internet is neither owned nor controlled by any one entity. Does Short-Term Health Insurance Cover Essential Benefits? 2021 HealthMarkets Insurance Agency. 1. Our quoting tool is provided for your information only. Those with incomes between 100% and 150% of the federal poverty level (FPL) may qualify for a zero-dollar premium silver plan (after tax credits). } Sales agents may be compensated based on a consumers enrollment in a health plan. K. Additional Terms. CareSource has security measures in place that seek to mitigate risk and use commercially reasonable procedures and technologies to help protect the confidentiality of any PII collected through the Platform, in accordance with CMS requirements. The manual communicates policies and information about our programs. return 'health'; All quotes are estimates and are not final until consumer is enrolled. You are prohibited from violating or attempting to violate the security of the Platform, including, without limitation, (a) accessing data not intended for such user or logging onto a server or an account which the user is not authorized to access; or (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; or (c) accessing or using the Platform or any portion thereof without authorization, in violation of these Terms of Use or in violation of applicable law. } else { if (document.getElementById('inArticle_hc-radio1').checked == true){ Metal level Gold. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Enroll in the CareSource Marketplace Low Deductible Silver plan today. Over 70% of people who enroll in a CareSource Health Insurance Marketplace plan also qualify for a government-funded subsidy that substantially lowers the overall cost of the plan. Why would people buy non-Marketplace health insurance as opposed to a plan available on a state-run exchange? The three main ways that similar on and off-exchange plans vary are name and design, provider network, and participating insurance companies. It is the largest Medicaid plan in Ohio and is second largest in the United States. They may also qualify for a zero-dollar premium bronze plan (after tax credits). Plans that are exclusively off-Marketplace do not qualify for subsidy assistance at this time. The differences on actual out-of-pocket . Attention: This website is operated by HealthMarkets Insurance Agency and is not the Health Insurance Marketplace website. HealthMarkets is ranked Excellent (5 out of 5 stars) by 92% of customers on Trustpilot: Based on 3,101 customer reviews on Trustpilot in the health insurance agency category as of 4/29/21. function isChecked(){ This website may not display all data on Qualified Health Plans (QHPs) being offered in your state through the Health Insurance Marketplace website. 155.260 to protect the privacy and security of personally identifiable information. Meanwhile, residents of a large city may be able to choose from multiple bronze plans. A simple puff of air could illuminate a well-known eye condition. D. Use of Headings. THE PLATFORM, INCLUDING WITHOUT LIMITATION, ALL CONTENT, FUNCTION, MATERIALS AND SERVICES PROVIDED THROUGH THE PLATFORM ARE PROVIDED AS IS AND AS AVAILABLE. HEALTHSHERPA MAKES NO EXPRESS OR IMPLIED WARRANTIES OR GUARANTEES ABOUT THE PLATFORM. Premium subsidies vary by address and subject to eligibility. Cost sharing (deductibles and coinsurance) may be higher. Company As bronze plan may only be available in one county and may also be the only bronze option in that region. Unless CareSource and you agree otherwise, any arbitration hearings will take place in the county (or parish) of your billing address. Plans must offer the same basic benefits, but are not prohibited from including additional benefits. Our quoting tool is provided for your information only. You may submit your information through this form, or call 855-617-1871 to speak directly with licensed enrollers who will provide advice specific to your situation. } else { In no event will CareSource be liable for the unauthorized use or misuse of your account or Account Credentials. iFraming is strictly prohibited. Our quoting tool is provided for your information only. B. Not all agents are licensed to sell all products. You agree that, to the best of your knowledge, all information you submit through the Platform and to Healthcare.gov is accurate and complete. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at HealthCare.gov. Qualified Health Plans offered in North Carolina by CareSource North Carolina Co., d/b/a CareSource. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces. No obligation to enroll. Attention: This website is operated by HealthMarkets Insurance Agency and is not the Health Insurance Marketplace website. Contact your tax or legal professional to discuss details regarding your individual business circumstances. . if (document.getElementById('inArticle_hc-radio1').checked == true){ } How to Best Prepare Yourself for Negotiating Medical Bills. Carrier options also vary on and off government exchanges. CareSource fully supports your choice to use telehealth and is willing to partner with your Provider. CareSource makes no representations whatsoever about any other website that you may access through the Platform. 155.220(c) and (d) and standards established under 45 C.F.R. Furthermore, CareSource does not control the devices, computers, or network through which you access the Platform or over which you may choose to send PII or payment information to the Platform, and therefore cannot prevent potential interceptions or compromises to your information while in transit to the Platform. IN NO EVENT SHALL HEALTHSHERPA BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES EVEN IF HEALTHSHERPA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Established in 1989. CareSource is excited to announce additional enhancements for the Provider Portal. Standard: 25% Coinsurance after deductible, Standard: 45% Coinsurance after deductible, Standard: $500 Copay per Stay after deductible.
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