Call Center Customer Service
Resume:
Tamara Richardson
Las Vegas, NV *****
*****************@*****.***
Willing to relocate: Anywhere
Authorized to work in the US for any employer
Work Experience
Health Insurance Marketplace
Department of Health and Human Services
465 Industrial Boulevard
London, Kentucky 40750-0001
The determinations or assessments in this letter were made based upon 45 CFR 155.305, 155.410, 155.420-430 and 42 CFR 435.603, 435.403,
435.406 and 435.911.
Privacy Disclosure: The Health Insurance Marketplace® protects the privacy and security of the personally identifiable information (PII) that you have provided (see Health Care.gov/privacy/). This notice was generated by the Marketplace based on 45 CFR 155.230 and other provisions of 45
CFR part 155, subpart D. The PII used to create this notice was collected from information you provided to the Health Insurance Marketplace®. The
Marketplace may have used data from other federal or state agencies or a consumer reporting agency to determine eligibility for the individuals on
your application. If you have questions about this data, contact the Marketplace at 1-800-***-**** (TTY: 1-855-***-****).
According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid OMB
control number. The valid OMB control number for this information collection is 0938-1207. Nondiscrimination: The Health Insurance Marketplace® doesn't exclude, deny benefits to, or otherwise discriminate against any person on the basis
of race, color, national origin, disability, sex, or age. If you think you've been discriminated against or treated unfairly for any of these reasons, you
can file a complaint with the Department of Health and Human Services, Office for Civil Rights by calling 1-800-***-**** (TTY: 1-800-***-****),
visiting hhs.gov/ocr/civilrights/complaints, or writing to the Office for Civil Rights/ U.S. Department of Health and Human Services/ 200
Independence Avenue, SW/ Room 509F, HHH Building/ Washington, D.C. 20201. Health Insurance Marketplace® is a registered service mark of the U.S. Department of Health & Human Services.
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Understanding Your Eligibility Notice
Am I eligible for Your eligibility notice tells you which people on your application qualify to coverage? get health coverage through the Health Insurance Marketplace®, Medicaid, or the Children's Health Insurance Program (CHIP). Medicaid and CHIP provide free or low-cost coverage to people with limited income, disabilities, and in some other situations. Almost anyone can enroll in Marketplace coverage, but you can only enroll at certain times.
What to do next Look at the table that starts on
of your notice. Each person listed on
your application needs to follow instructions in the "Next steps" column. Medicaid & CHIP People who have health coverage through Medicaid or CHIP will pay little or nothing for health services and probably don't need a Marketplace plan.
If your notice says that you or your family members are eligible for Medicaid or CHIP, you'll get a notice from your state agency telling you about these programs.
What if I miss a If you miss a deadline in your notice to submit information or enroll in a deadline? plan, you may not be able to enroll in a Marketplace plan until the next yearly Open Enrollment Period, for coverage starting January 1 of the next year.
Paying my premium You'll pay your premium directly to your health plan, not the Marketplace. Your plan will send you information on when and how to pay. If you don't hear from your health plan, you should call or visit their website. For more about paying your premium, visit
HealthCare.gov/apply-and-enroll/complete-your-enrollment. Special Enrollment If your notice says you qualify for a Special Enrollment Period, this means Periods you have a chance to enroll in Marketplace coverage outside the Open Enrollment Period. You may qualify for a Special Enrollment Period if you've had a life event like losing health coverage, moving, getting married, having a baby, adopting a child, or being newly offered an individual coverage HRA or newly provided a QSEHRA. For some Special Enrollment Periods, you may need to submit documents to confirm your eligibility, and your plan choices may be limited. If you qualify for a Special Enrollment Period, you usually have up to 60 days after the life event to enroll in a plan. If you miss that window, you may have to wait until the next Open Enrollment Period to enroll or until you have another qualifying life event.
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You should re-apply Even if you're already enrolled, you should re-apply for Marketplace for Marketplace coverage every year to make sure your information is up-to-date. If you chose to let the Marketplace use tax information to help with your re- coverage every year
enrollment, your information updates automatically. If you have Medicaid, you'll get a letter from your state agency if you need to provide more information at re-enrollment time. If you have an individual coverage HRA, be sure to update your Marketplace application when the HRA plan year ends. This might occur before the Marketplace Open Enrollment period, when you'll re-apply for Marketplace coverage.
Why do I need to You don't have to report your income to get Marketplace coverage, but if report my income? you do, the Marketplace will check to see if you qualify for tax credits, cost-sharing, or other programs that could lower your costs. Bronze, Silver, Health plans sold in the Marketplace are divided into 4 categories: Bronze, Gold & Platinum Silver, Gold, and Platinum. They range from Bronze plans with lower premiums and higher out-of-pocket costs, to Platinum plans with higher categories
premiums and lower out-of-pocket costs. Plan choices may be limited during a Special Enrollment Period.
All plans cover all essential health benefits, and there are no dollar limits on the care you can get.
Catastrophic plans A "Catastrophic" plan is a plan with lower monthly premiums that mainly protects you from very high medical costs. People under age 30 and people with hardship exemptions can buy a Catastrophic plan through the Marketplace. These plans aren't eligible for premium tax credits. Cost-sharing If your notice says you qualify for cost-sharing reductions, it means you can reductions enroll in a Silver plan with discounted copayments, coinsurance, and deductibles.
Eligibility for most cost-sharing reductions is based on household income. If you're a member of a federally recognized tribe, you can get cost-sharing reductions when you enroll in a Bronze, Silver, Gold, or Platinum plan. You may also be eligible for additional cost-sharing reductions. 2175316162761310196 2
What does the When you apply for help with costs for Marketplace coverage, "income" Marketplace count includes job income, self-employment, Social Security benefits, unemployment, and withdrawals from retirement accounts. We don't as income?
count child support, gifts, Supplemental Security Income (SSI), veteran's payments, workers' compensation, loan proceeds (like from student, home equity, or bank loans), or federal tax refunds and credits. If you entered the wrong income on your Marketplace application or if your income changes, it's important to update your application. What if I move, If you enroll in a Marketplace plan, you need to report these types of life change jobs, get changes within 30 days, since changes can affect your program eligibility and the amount you pay for your health plan.
married, or have
another change? How to report life changes:
1. Log into your Marketplace account
2. Select your current application
3. Select "Report a Life Change"
Or, contact the Marketplace Call Center at 1-800-***-**** Visit HealthCare.gov/reporting-changes for a full list of changes to report. Coverage for Lawfully present immigrants can apply for and enroll in Marketplace immigrant families coverage, even if they don't qualify for Medicaid. They may also get help with costs.
Individuals who aren't lawfully present can apply for Marketplace coverage for family members who may be eligible, like a lawfully present child or spouse. Individuals who aren't lawfully present may also be eligible for Medicaid to cover emergency medical treatment.
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Premium tax credits If your notice says you're eligible for advance payments of the premium tax credit, it means you can get "credit" to help pay your plan premiums every month. You'll see the available credit when you choose a plan, and it can be applied when you enroll. You can choose to apply all, some, or none of the available advance payments of the premium tax credit each month. The amount of your tax credit is based on these factors:
• The number of people in your household. Your household includes the person who files the household's tax return, their spouse, and any dependents claimed on the tax return.
• Your household income for the year you want coverage.
• The cost of the second-lowest cost Silver Marketplace health plan in your area. This is the "benchmark" plan cost.
For more information about how to qualify for a premium tax credit, visit HealthCare.gov/lower-costs.
Household members with an individual coverage HRA offer qualify for premium tax credits only if the employer's offer doesn't meet minimum standards for affordability, and they opt out of their individual coverage HRA.
Household members with a QSEHRA should plan to use their QSEHRA to help pay for health coverage during the year. When they apply for coverage, the tax credit amount shown on the eligibility notice won't account for the amount of help they can get through their employer. For this reason, they may not want to use all of the tax credit that's shown in their eligibility notice. At tax time, the IRS will determine final eligibility for a tax credit based on how much QSEHRA the employer offered. Eligibility for a tax credit will be affected even if they didn't use the QSEHRA. Their tax credit amount could also be affected by changes in income or other life changes during the year. If they use more tax credit than they're eligible for, you'll have to pay it back with your taxes.
Visit HealthCare.gov/job-based-help to learn more about how an HRA may impact eligibility for a premium tax credit.
When do I get the The Marketplace will send any advance payments of the premium tax premium tax credit? credit directly to your insurance company, not to you. If you use less than the full amount of the credit, you may get the difference back at the end of the year when you file your taxes.
The final amount of your premium tax credit will be based on the actual income you report on your tax return for the coverage year. 2175316162761310196 4
Reporting premium If you get advance payments of the premium tax credit to help with tax credits on Marketplace health plan costs, the tax filer in your household must file a federal income tax return. When they file, the credits you used during the your federal tax
year--which were based on your estimated income--will be "reconciled" return with the credits you're eligible for based on your actual income entered on your tax return and your other eligibility information.
• If your actual income is lower than what you reported on your application, you may be eligible for a larger premium tax credit.
• If your income is higher than what you reported on your application, you may have to pay back all or some of any excess advance payments of the premium tax credit that were made to your insurance company.
Report any changes in household size, income, and other information right away to make sure you're getting the correct amount of tax credit during the year. For more information, visit HealthCare.gov/taxes-reconciling. What if I file a If you're married, you must file a joint federal income tax return with separate tax return your spouse for the year you want premium tax credits. There are some exceptions, like if you claim "head of household" status on from my spouse?
your tax return, you're a victim of domestic violence, or you're an abandoned spouse. Call the Marketplace Call Center at 1-800-***-**** for more information.
Information for If you have special health care needs, you may qualify to get coverage for people with more health services and pay less for care. For example, if you:
• Have a medical, mental health or substance abuse condition that special health
limits the ability to work or go to school
care needs • Need help with daily activities, like bathing or dressing
• Regularly get medical care, personal care, or health services at home, an adult day center, or another community setting
• Live in a long term care facility, group home, or nursing home
• Are blind
• Are terminally ill
To see if you qualify, call your state Medicaid agency at the number included in this notice. You can also update your Marketplace application with your information. Medicaid may also pay medical bills from 3 months before you apply, so ask when you call.
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January 2019
January 2019
Education
High school diploma or GED
Skills
• Customer service
• Human Resources
• Federal Aviation Regulations
• Cash handling
• Restaurant experience
• Human Resources Management
Links
http://HealthCare.gov/people-with-disabilities
Certifications and Licenses
Certified Notary Public
Contact this candidate