You don’t have to pay to play

Now that the federal health insurance exchanges have reached an enrollment milestone of 8 million, a few interesting twists are starting to emerge.

The health law that funds the exchange requires a 90 day grace period for enrollees who have stopped paying premiums and insurance companies are only required to cover the first 30 days which means enrollees are entitled to care for another 60 days and no one is responsible to pay for any services provided during this 60 days.

The problem for providers in this situation is that there is no way for providers to know that an enrollee is not paying premiums and that the insurance company won’t pay for services because as long as the enrollee is still in the 90 day grace period, they are technically covered.

In reality a person could have insurance and only pay 9 months worth of premiums yet be covered for a full 12 months.

About Craig Thompson

I am a young professional with two great sons, and I work in the healthcare setting. I am employed in hospital administration and serve as Chief Operating Officer at Golden Valley Memorial Healthcare in Clinton, Missouri. These are challenging and exciting times in healthcare and my blog will focus on healthcare, raising boys or being raised by boys, and living in mid America.
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