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South Bend, IN Yellow Pages Services the Following Communities

  • Bristol Yellow Pages
  • Dunlap Yellow Pages
  • Elkhart Yellow Pages
  • Goshen Yellow Pages
  • Granger Yellow Pages
  • Lakeville Yellow Pages
  • Middlebury Yellow Pages
  • Mishawaka Yellow Pages
  • Nappanee Yellow Pages
  • New Carlisle Yellow Pages
  • Niles Yellow Pages
  • North Liberty Yellow Pages
  • Notre Dame Yellow Pages
  • Osceola Yellow Pages
  • Tyner Yellow Pages
  • Wakarusa Yellow Pages
  • Walkerton Yellow Pages
  • Wyatt Yellow Pages
 

How Obamacare Affects South Bend Health Insurance

South Bend Insurance is quickly changing in the health care arena. The Affordable Care Act (ACA) requires that all residents buy health insurance coverage before March 31, 2014 to avoid tax penalties.

While media outlets discuss political party positions, and issues about the website and coverage, residents just want to know that they have coverage or will be able to purchase it before the deadline.

South Bend Insurance Qualifications

In order to avoid tax penalties related to being uninsured, all Indiana residents must buy health care coverage or file an exemption, if they qualify.

If you presently have health insurance coverage, either as an individual or through your employer, then you can expect changes to happen to your policy. Insurance companies must change their existing policies to conform to ACA requirements for coverage. This means that some policies may cancel while others significantly alter benefits and pricing.

People with government benefits through Medicare or Medicaid as well as those with military TRICARE or veteran's health plans are already in compliance with federal law.

Those South Bend residents without any insurance whatsoever are most affected by Obamacare. They must buy coverage through the federal exchange at HealthCare.gov. Indiana is one of the states that does not run its own exchange. Ideally, coverage should be purchased by December 1 in order to be in effect by January 1, 2014; however, the government extended the deadline for avoiding penalties to March 31, 2014.

Exemptions from Obamacare

Certain groups of uninsured people may file exemptions from the requirement to buy health insurance. The following are exempt from Obamacare:

  • Prisoners in federal and state facilities
  • Members of religious groups opposed to health insurance
  • Illegal immigrants
  • Indian tribe members
  • Residents with serious financial hardship eviction, homeless, medical emergency, etc.

Anyone eligible for exemption must file with federal health authorities; however, most cannot be claimed until time to file taxes.

Important Facts to Consider

Expanded Medicaid makes many people now eligible for benefits based on family size and income. For others, the federal government offers subsidies or tax credits to help Indiana residents offset the costs of health care insurance. If eligible for a tax credit, individuals and families cannot buy insurance from a private insurance company. They must purchase health coverage only through the federal exchange to receive the credit. Additionally, any employees of companies that offer South Bend insurance coverage may not receive the subsidy even if they qualify based on all other criteria.

South Bend Insurance Guide

Facts about Insurance You Should Know

Shopping for South Bend Insurance is pretty much like researching for any other major item you purchase. Comparing companies and products is necessary to ensure that you find the best quality, pricing and service available. If you rely only on your employer-provided insurance, you may miss vital insurance coverage that is essential to fully protecting your family financially.

Review Your Insurance Needs

You should first determine the type of insurance coverage you need. Many people review their financial situation with a licensed insurance agent in order to understand how different coverage types will help protect their income, life or property. Internet research also offers a valuable resource for learning about the various types of insurance protection. You will be able to educate yourself about how insurance works and then make more knowledgeable decisions about which coverage provides the most protection.

What Type of South Bend Insurance Do You Need?

Indiana law requires that all drivers have auto insurance. Federal law mandates that every Indiana resident buy health insurance coverage or file for an exemption by March 31, 2014. Other types of insurance coverage are voluntary. You may choose to protect your family by purchasing life insurance so that in the event of your untimely death, your heirs receive money to help cover funeral, household and future expenses. Homeowners insurance protects your property in the event of accidents, flood, fire or disaster. Renters insurance covers your personal possessions when you rent a home or apartment. Disability coverage protects your income and lifestyle should you not be able to work due to injury or illness.

Tips for Finding South Bend Insurance

When shopping for personal insurance coverage, the following tips will help you decide on the right company and protection plan:

  • Review insurance company financial ratings A.M. Best Company rates insurance companies based on their financial stability and strength. You want to make sure that an insurance company will be able to pay claims if and when they occur.
  • Buy from licensed insurance companies or agents check licensing information with the Indiana Department of Insurance. They list complaints for insurance companies, and consumers may also research information about Indiana agents, their educational qualifications and which companies they represent.
  • Give agents and companies accurate information insurance companies and agents base their rate quotes on the information you provide. Inaccurate data can lead to rejections, incorrect pricing and potential cancellation after you purchase policy.
  • Understand difference between agents some insurance agents represent a single company so they will offer pricing and coverage only from that insurer. Independent agents represent multiple companies so they can give you more quotes to compare.

When you need South Bend insurance, planning and research will help you make the right decisions about which insurance coverage and company is right for your personal needs.

 

South Bend IN Insurance