But it’s important to keep your eyes on
2013年11月28日But it’s important to keep your eyes on
Carlos Rogers NFL Jerseythe prize. Even though the website is badly in need of some CPR, the fact is that you now have many more health insurance options than you did before October 1 because of the Affordable Care Act. A new Wall Street Journal/NBC News poll this week shows that 67 percent of Americans feel that the site’s problems are either a "shortterm technical issue" or that it’s too early to tell.
My big worry: Too many people whether they’re seeking firsttime coverage or need to replace a policy that’s being discontinued under the new law have been completely thrown off by the negative news. The fact is that more than 700,000 Americans have managed to apply for a new health insurance plan. How did these people get through? With tenacity, consumer smarts, and some of the steps highlighted below.
Although I believe going without health insurance is reckless, realistically
Carlos Rogers Jerseyspeaking you still have some time until the March 31, 2014, deadline to obtain coverage and avoid having $95 or 1 percent of your income whichever is greater withheld from your tax refund in 2015 (though you may qualify for an exemption). If you’re not in a big rush say, you have some coverage now and are hoping to improve the cost and quality with a socalled Obamacarecompliant plan just keeping tabs on the site’s progress for the next month or so is a reasonable approach. The Obama administration says its "tech surge" should have the site in good shape by Thanksgiving and, if we’re talking turkey, that would be an achievement.
Here’s a stepbystep guide for what you should do now:
1. If you live in New York or California, or more than a dozen other states, your new online health care portal is probably good to go.
You may be surprised to hear this, if you’re like the woman with whom I chatted at the gym this week. Now, a few of these new sites have had some problems, notably Oregon. Phone representatives consistently say your best bet online is late at night or very early in the morning fewer users will be trying to apply.
Gather this paperwork before you call: Social Security numbers and birth dates for you and any family members applying for coverage; pay stubs or W2 forms for working members of the household; policy numbers for any current health insurance plans; and information about any jobrelated health insurance for which you’re currently eligible.
Do some computer housekeeping before you try to log on. You can boost your likelihood of getting through by clearing the cookies from your browser and emptying the cache. Also, make sure that you don’t have a popup blocker activated that could prevent the site from sending you the list of plans. Check out this useful piece from Consumer Reports for more technical tips.
3. Apply by phone at 18003182596. Anyone over 40 may remember making a call at some point in their life to order a pizza or buy a plane ticket. It’ll only take about 25 minutes (if you’re single) to an hour (if you have a family) on the phone worthwhile investment of time to increase your chances of having coverage by January 1. Here are the steps to follow:
Download the appropriate application form so that you can follow along with the phone representative. Single adults have a simplified 5page questionnaire (here are some instructions for filling it out); families will need the 12pager (more instructions here).
Call the 800number and say the name of your state when prompted, followed by the word "representative" at the next prompt.
My office called more than two dozen times over the past few days and each
www.49ersnflofficialproshop.com/49ers-carlos-rogers-jersey-c-1_36.htmltime a phone representative picked up in less than a minute, ready to get started on the application. (How’s that for service?)
The call center rep will fill out the application according to your answers and submit it manually.
Getting the list of plans for which you’re eligible could take as little as two weeks or as long as eight weeks. Make sure to give your email address to the rep so that you can receive your results by email. Either way, you’ll also get that information by snail mail. (We found that some reps didn’t seem to be aware you could get your notification by email, so remind them that President Obama said so on October 21!)
Once you get your list of plan offerings, compare health care provider ratings from Consumer Reports, go to the providers’ sites directly (you’ll get that information in your application results), and then call 18003182596 again to discuss your options and get enrolled. These Application Assisters (known as Navigators, InPerson Assisters, Certified Application Counselors, or licensed agents and brokers) must meet federal and state certification requirements, so ask for hard evidence that your Application Assister has received training before you sit down with them. There may be people trying to take advantage of this newly
Carlos Rogers Youth Jerseyregulated area of health care reform, so read this tip sheet to learn how to protect yourself from scammers.
So there it is. I’m not saying this is as fun as lining up at the crack of dawn to get the latest iPhone. However, with these lessthanideal but workable solutions you can get a jump on getting coverage.
Carlos Rogers NFL Jerseythe prize. Even though the website is badly in need of some CPR, the fact is that you now have many more health insurance options than you did before October 1 because of the Affordable Care Act. A new Wall Street Journal/NBC News poll this week shows that 67 percent of Americans feel that the site’s problems are either a "shortterm technical issue" or that it’s too early to tell.
My big worry: Too many people whether they’re seeking firsttime coverage or need to replace a policy that’s being discontinued under the new law have been completely thrown off by the negative news. The fact is that more than 700,000 Americans have managed to apply for a new health insurance plan. How did these people get through? With tenacity, consumer smarts, and some of the steps highlighted below.
Although I believe going without health insurance is reckless, realistically
Carlos Rogers Jerseyspeaking you still have some time until the March 31, 2014, deadline to obtain coverage and avoid having $95 or 1 percent of your income whichever is greater withheld from your tax refund in 2015 (though you may qualify for an exemption). If you’re not in a big rush say, you have some coverage now and are hoping to improve the cost and quality with a socalled Obamacarecompliant plan just keeping tabs on the site’s progress for the next month or so is a reasonable approach. The Obama administration says its "tech surge" should have the site in good shape by Thanksgiving and, if we’re talking turkey, that would be an achievement.
Here’s a stepbystep guide for what you should do now:
1. If you live in New York or California, or more than a dozen other states, your new online health care portal is probably good to go.
You may be surprised to hear this, if you’re like the woman with whom I chatted at the gym this week. Now, a few of these new sites have had some problems, notably Oregon. Phone representatives consistently say your best bet online is late at night or very early in the morning fewer users will be trying to apply.
Gather this paperwork before you call: Social Security numbers and birth dates for you and any family members applying for coverage; pay stubs or W2 forms for working members of the household; policy numbers for any current health insurance plans; and information about any jobrelated health insurance for which you’re currently eligible.
Do some computer housekeeping before you try to log on. You can boost your likelihood of getting through by clearing the cookies from your browser and emptying the cache. Also, make sure that you don’t have a popup blocker activated that could prevent the site from sending you the list of plans. Check out this useful piece from Consumer Reports for more technical tips.
3. Apply by phone at 18003182596. Anyone over 40 may remember making a call at some point in their life to order a pizza or buy a plane ticket. It’ll only take about 25 minutes (if you’re single) to an hour (if you have a family) on the phone worthwhile investment of time to increase your chances of having coverage by January 1. Here are the steps to follow:
Download the appropriate application form so that you can follow along with the phone representative. Single adults have a simplified 5page questionnaire (here are some instructions for filling it out); families will need the 12pager (more instructions here).
Call the 800number and say the name of your state when prompted, followed by the word "representative" at the next prompt.
My office called more than two dozen times over the past few days and each
www.49ersnflofficialproshop.com/49ers-carlos-rogers-jersey-c-1_36.htmltime a phone representative picked up in less than a minute, ready to get started on the application. (How’s that for service?)
The call center rep will fill out the application according to your answers and submit it manually.
Getting the list of plans for which you’re eligible could take as little as two weeks or as long as eight weeks. Make sure to give your email address to the rep so that you can receive your results by email. Either way, you’ll also get that information by snail mail. (We found that some reps didn’t seem to be aware you could get your notification by email, so remind them that President Obama said so on October 21!)
Once you get your list of plan offerings, compare health care provider ratings from Consumer Reports, go to the providers’ sites directly (you’ll get that information in your application results), and then call 18003182596 again to discuss your options and get enrolled. These Application Assisters (known as Navigators, InPerson Assisters, Certified Application Counselors, or licensed agents and brokers) must meet federal and state certification requirements, so ask for hard evidence that your Application Assister has received training before you sit down with them. There may be people trying to take advantage of this newly
Carlos Rogers Youth Jerseyregulated area of health care reform, so read this tip sheet to learn how to protect yourself from scammers.
So there it is. I’m not saying this is as fun as lining up at the crack of dawn to get the latest iPhone. However, with these lessthanideal but workable solutions you can get a jump on getting coverage.
Only a few years and you’ll be an
2013年11月28日"Only a few years and you’ll be an adult!" This statement is usually issued by well
meaning adults with a surreptitious wink at my mother. A wink I usually take to mean "or at least that’s what she thinks, right?" It’s true that in two years I’ll be 18, and that’ll
make me legally an adult. But in the grand scheme, it’s also just a number. It doesn’t come with a magical moment where you know all the stuff adults are supposed to know how to do. It doesn’t make responsibilities easier. It just makes it legal for you to enter online sweepstakes and work at Walmart. You can start being a "grown up" long before then or long after.
This thought all started back in July when my friend, Dakota, officially flew out for military basic training in Oklahoma. He had graduated high school, wrapped up his term as a California 4H state ambassador, and was off on this new adventure something he had been working towards for a long time. He’s 17. Not an adult by the legal definition, but making very adult decisions. He can’t rent a movie from most places, but he can defend our country. I didn’t realize how much his actual departure would affect me and the way I viewed growing up and when it actually starts.
Then, in September, my best friend moved from a house a halfhour from me to an apartment building halfway around the world. Madeline is now studying psychology in London. She’s 18, and this has been her dream for years. She’s worked ridiculously hard, studied every guide book and slaved over textbooks to get the perfect grades.
Now, she’s living on her own, and doing little things that make her, in my eyes, an adult. Booking her own plane tickets, going grocery shopping, being in complete control of her personal life. I like to think I’m pretty independent, as most teenagers do, but how many of those things do you do for yourself? Would you even know where
Tarell Brown NFL Jerseyto start? I have a basic idea of how a loan works, but applying for one? Forget it. I don’t even have a credit card.
My other friends are growing up around me, making plans, and decisions, that will affect the rest of their
www.49ersnflofficialproshop.com/49ers-tarell-brown-jersey-c-1_27.htmllife. Where do I fit in? My life is so different from the standard, it’s hard to compare. I’m homeschooled, and will probably graduate in May, a year before my friends and most kids my age. I’ve been fashion blogging since I was 13, an occupation that has definitely taught me a lot firsthand about the outside world. Earlier
Tarell Brown Men’s Jerseythis year, I landed my first Teen Vogue feature and worked with the Disney Channel. I blog for HuffPost Teen! But if you add that up, it doesn’t equal adult, it equals an accomplished teenager.
I made myself a list of "Things to Learn Before I Grown Up." Number one? Figure out the whole loan thing. Maybe learn to cook something other than burnt grilled cheese. But it’s also important to me to enjoy being young. I like having my mom cook for me, and getting to just be goofy sometimes without worry. So in conclusion, my point is this: Being a grownup is less about your
Tarell Brown Youth Jerseyage, and more about what you do with your life.
meaning adults with a surreptitious wink at my mother. A wink I usually take to mean "or at least that’s what she thinks, right?" It’s true that in two years I’ll be 18, and that’ll
make me legally an adult. But in the grand scheme, it’s also just a number. It doesn’t come with a magical moment where you know all the stuff adults are supposed to know how to do. It doesn’t make responsibilities easier. It just makes it legal for you to enter online sweepstakes and work at Walmart. You can start being a "grown up" long before then or long after.
This thought all started back in July when my friend, Dakota, officially flew out for military basic training in Oklahoma. He had graduated high school, wrapped up his term as a California 4H state ambassador, and was off on this new adventure something he had been working towards for a long time. He’s 17. Not an adult by the legal definition, but making very adult decisions. He can’t rent a movie from most places, but he can defend our country. I didn’t realize how much his actual departure would affect me and the way I viewed growing up and when it actually starts.
Then, in September, my best friend moved from a house a halfhour from me to an apartment building halfway around the world. Madeline is now studying psychology in London. She’s 18, and this has been her dream for years. She’s worked ridiculously hard, studied every guide book and slaved over textbooks to get the perfect grades.
Now, she’s living on her own, and doing little things that make her, in my eyes, an adult. Booking her own plane tickets, going grocery shopping, being in complete control of her personal life. I like to think I’m pretty independent, as most teenagers do, but how many of those things do you do for yourself? Would you even know where
Tarell Brown NFL Jerseyto start? I have a basic idea of how a loan works, but applying for one? Forget it. I don’t even have a credit card.
My other friends are growing up around me, making plans, and decisions, that will affect the rest of their
www.49ersnflofficialproshop.com/49ers-tarell-brown-jersey-c-1_27.htmllife. Where do I fit in? My life is so different from the standard, it’s hard to compare. I’m homeschooled, and will probably graduate in May, a year before my friends and most kids my age. I’ve been fashion blogging since I was 13, an occupation that has definitely taught me a lot firsthand about the outside world. Earlier
Tarell Brown Men’s Jerseythis year, I landed my first Teen Vogue feature and worked with the Disney Channel. I blog for HuffPost Teen! But if you add that up, it doesn’t equal adult, it equals an accomplished teenager.
I made myself a list of "Things to Learn Before I Grown Up." Number one? Figure out the whole loan thing. Maybe learn to cook something other than burnt grilled cheese. But it’s also important to me to enjoy being young. I like having my mom cook for me, and getting to just be goofy sometimes without worry. So in conclusion, my point is this: Being a grownup is less about your
Tarell Brown Youth Jerseyage, and more about what you do with your life.
Arizona Cardinals wide receiver Larry
2013年11月28日Arizona Cardinals wide receiver Larry Fitzgerald 11 smiles in the first quarter of an
Tarell Brown NFL JerseyNFL preseason football game against the Oakland Raiders in
49er Tarell Brown JerseyOakland
In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason football game against the Oakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal that could pay the star receiver as much as $120 million, making it one of the richest deals in the NFL. (AP Photo/Marcio Jose Sanchez)
In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason
Tarell Brown Jerseyfootball game against the Oakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal that could pay the star receiver as much as $120 million, making it one of the richest deals in the NFL. (AP Photo/Marcio Jose Sanchez)
View the photo In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason football game
www.49ersnflofficialproshop.com/49ers-tarell-brown-jersey-c-1_27.htmlagainst the Oakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal that could pay the star receiver as much as $120 million, making it one of the richest deals in the NFL. (AP Photo/Marcio Jose Sanchez) on Yahoo! News.
Tarell Brown NFL JerseyNFL preseason football game against the Oakland Raiders in
49er Tarell Brown JerseyOakland
In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason football game against the Oakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal that could pay the star receiver as much as $120 million, making it one of the richest deals in the NFL. (AP Photo/Marcio Jose Sanchez)
In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason
Tarell Brown Jerseyfootball game against the Oakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal that could pay the star receiver as much as $120 million, making it one of the richest deals in the NFL. (AP Photo/Marcio Jose Sanchez)
View the photo In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason football game
www.49ersnflofficialproshop.com/49ers-tarell-brown-jersey-c-1_27.htmlagainst the Oakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal that could pay the star receiver as much as $120 million, making it one of the richest deals in the NFL. (AP Photo/Marcio Jose Sanchez) on Yahoo! News.
Arizona Cardinals wide receiver Larry Fitzgerald 11 smiles in
Ahmad Brooks NFL Jerseythe first quarter of an NFL preseason football game against the Oakland Raiders in Oakland
In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason football game against the Oakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal that could pay the star receiver as much
49er Ahmad Brooks Jerseyas $120 million, making it one of the richest deals in the NFL. (AP Photo/Marcio Jose Sanchez)
In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason football game against the Oakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal that could pay the star receiver as much as $120 million, making it one of the richest deals in the NFL. (AP Photo/Marcio Jose Sanchez)
View the photo In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason football game against the
www.49ersnflofficialproshop.com/49ers-ahmad-brooks-jersey-c-1_26.htmlOakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal that could pay the star receiver as much as $120 million, making it one of
Ahmad Brooks Women’s Jerseythe richest deals in the NFL. (AP Photo/Marcio Jose Sanchez) on Yahoo! News.
Ahmad Brooks NFL Jerseythe first quarter of an NFL preseason football game against the Oakland Raiders in Oakland
In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason football game against the Oakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal that could pay the star receiver as much
49er Ahmad Brooks Jerseyas $120 million, making it one of the richest deals in the NFL. (AP Photo/Marcio Jose Sanchez)
In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason football game against the Oakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal that could pay the star receiver as much as $120 million, making it one of the richest deals in the NFL. (AP Photo/Marcio Jose Sanchez)
View the photo In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason football game against the
www.49ersnflofficialproshop.com/49ers-ahmad-brooks-jersey-c-1_26.htmlOakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal that could pay the star receiver as much as $120 million, making it one of
Ahmad Brooks Women’s Jerseythe richest deals in the NFL. (AP Photo/Marcio Jose Sanchez) on Yahoo! News.
The Cardinals and Fitzgerald
2013年11月28日Arizona Cardinals wide receiver Larry Cornellius Carradine Jersey Fitzgerald 11 smiles in the first quarter of an NFL preseason football game against the Oakland Raiders in Oakland
In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason football game www.49ersnflofficialproshop.com/49ers-cornellius-carradine-jersey-c-1_51.html against the Oakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal that could pay the star receiver as much as $120 million, making it one of the richest deals in the NFL. (AP Photo/Marcio Jose Sanchez)
In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason football game against the Oakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal that could pay the star receiver as much as $120 million, making it one of the richest deals in the NFL. (AP Photo/Marcio Jose Sanchez)
View the photo In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason football game against the Oakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal Cornellius Carradine Women’s Jersey that could pay the star receiver as much as $120 million, making it one of the richest deals in the NFL. (AP Photo/Marcio Jose Sanchez) Cornellius Carradine Youth Jersey on Yahoo! News.
In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason football game www.49ersnflofficialproshop.com/49ers-cornellius-carradine-jersey-c-1_51.html against the Oakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal that could pay the star receiver as much as $120 million, making it one of the richest deals in the NFL. (AP Photo/Marcio Jose Sanchez)
In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason football game against the Oakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal that could pay the star receiver as much as $120 million, making it one of the richest deals in the NFL. (AP Photo/Marcio Jose Sanchez)
View the photo In this photo taken Aug. 11, 2011, Arizona Cardinals wide receiver Larry Fitzgerald (11) smiles in the first quarter of an NFL preseason football game against the Oakland Raiders in Oakland, Calif. The Cardinals and Fitzgerald have agreed to an eightyear deal Cornellius Carradine Women’s Jersey that could pay the star receiver as much as $120 million, making it one of the richest deals in the NFL. (AP Photo/Marcio Jose Sanchez) Cornellius Carradine Youth Jersey on Yahoo! News.
