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    Members of:

    LIGHTHOUSE

    BENEFIT

    RESOURCES

    Lighthouse Benefit Exchange is a national private exchange for individuals and businesses. Our technology platform offers diversity of choice, decision making assistance, and allows for better cost management from year-to-year.  

     

    Lighthouse Benefit Resources

    400 Ocean Forest, Suite 1102

    St Simons, Georgia 31522

    ​

    Enrollment Call Center:

    912-771-8230

     

    Email us HERE

     

     

    About Lighthouse 

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    Featured Posts

    How does a private exchange help individuals and families?

    December 22, 2013

    Is a small business (less than 50 employees) required to offer health insurance?

    December 21, 2013

    Can I enroll in an individual health plan after Open Enrollment?

    March 31, 2014

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    Recent Posts

    Can I enroll in an individual health plan after Open Enrollment?

    March 31, 2014

    Do I qualify for an exemption from paying the penalty for not having health insurance?

    January 16, 2014

    My income qualifies for Medicaid, but I can't get Medicaid or an ACA plan? Why?

    January 16, 2014

    How does a private exchange help individuals and families?

    December 22, 2013

    10 Things You Need to Know About Health Reform

    December 22, 2013

    Your Personalized Consumer Guide: How will Health Reform will affect you?

    December 22, 2013

    How does a private exchange help large businesses (50+ employees)?

    December 22, 2013

    How does a private exchange help small businesses (2-49 employees)?

    December 22, 2013

    How does a private exchange help individuals and families?

    December 21, 2013

    Is maternity included in new health plans?

    December 21, 2013

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    What are my rights and protections under the law?

    December 21, 2013

    The main objective of the Patient Protection and Affordable Care Act was to provide quality, affordable health insurance coverage to all Americans. The law calls for coverage to be more fair to the consumer and easier for you to understand.

     

     
    Key provisions beginning in 2014


    The key provisions begin to take place in 2014. Some parts apply to individual and small business plans and some apply to all types of health insurance coverage.


    Here are some examples:


    1) Exchanges (sometimes called marketplaces) will be created to make securing coverage simple and easy.


    2) You cannot be turned away or charged more premium because of pre-existing conditions.


    3) You should be informed about your coverage options in an easy-to-understand way.


    4) Health insurance companies have to justify premium increases.


    5) It is illegal for a health insurance company to cancel your health insurance because you get sick.


    6) Protects your right for choosing your doctor.


    7) Children up to age 26 can be covered on his/her parent's health insurance regardless of marital or student status.


    8) Access to free preventive care.


    9) No lifetime benefit maximums or annual limits on essential health benefits, so you can't run out of insurance for those services


    10) You have a right to appeal insurance decisions.

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