We Mpower Families and Businesses with the Financial Education,

Technology and the Products they need to reach their Goals

We Are MPowering Benefits:• Part of One of the Top

Independent Marketing Organizations in America.

• Local Licensed Life & Health Insurance Financial Professionals.

• Federally Certified by the Department of Health and Human Services to assist with the Affordable Care Act.

MPowering Benefi ts, LLC

WHO WE ARE

HEALTH INSURANCE COMPANIES

LIFE INSURANCE COMPANIES

Representing Leading Industry Companies

OUR AREAS OF FOCUS

The Company Names Used Here are for Identification Purposes Only.All Trademarks and Registered Trademarks are Property of their Respective Owners.

And Many More

Financial Wellness

Health Wellness

Millions of Americans Frustrated and Disillusioned!

PROTECTION

aka Obamacare

AFFORDABLE CARE ACT

This is NOT a Political Issue or Stand

With MPowering Benefits you get a CLEAR understanding of your Health Insurance

If you want it, we’re here to help you:• select the correct plan for you and your

family, • enroll with ease and without frustration, • get the service you require and deserve

throughout the year.

aka Obamacare

AFFORDABLE CARE ACT

What is it?

HEALTH CARE REFORM

MAIN CHANGES (and Mandates) to Individual Insurance Policies:

• MUST offer “Essential Health Benefits”• MUST cover Pre-existing Health Conditions• AVAILABILTY of Subsidies (Lower Cost) based

on ADJUSTED GROSS INCOME

All Policies MUST Include:

ESSENTIAL HEALTH BENEFITS

• Ambulatory patient services (outpatient care without being admitted to hospital)

• Emergency services

• Hospitalization (such as surgery)

All Policies MUST Include:

ESSENTIAL HEALTH BENEFITS

• Maternity and newborn care (care before and after your baby is born)

• Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)

• Prescription drugs

All Policies MUST Include:

ESSENTIAL HEALTH BENEFITS

• Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)

• Laboratory services

• Pediatric services

All Policies MUST Include:

ESSENTIAL HEALTH BENEFITS

• Preventive and wellness services and chronic disease management

You CAN’T be Turned Down!!

PRE-EXISTING CONDITIONS

Starting in 2014, being sick won't keep you from getting health coverage. An insurance company can't turn you down or charge you more because of your condition.

1. Platinum -90%

2. Gold – 80%

3. Silver – 70%

4. Bronze – 60%

5. Catastrophic

Metal Plans – Levels of Cost!

DIFFERENT TYPES OF PLANS

The maximum out-of-pocket costs for any Marketplace plan for 2014 are $6,350 for an individual plan and $12,700 for a family plan.

Type and Percentage Plan will pay on Average

If Your Income falls within these parameters

(reduced for business expenses)$11,490 to $45,960 for individuals

$15,510 to $62,040 for a family of 2$19,530 to $78,120 for a family of 3$23,550 to $94,200 for a family of 4

Qualifying for a Subsidy

REDUCE PREMIUM COST

Qualifying for a Subsidy

REDUCE PREMIUM COST

Example 1: Family A is eligible for a tax credit of $800.00 /month. Family A selects QHP that cost $1,000.00 /month. If they elect to receive the full amount of the tax credit in advance, $800.00 /month will be paid directly to the QHP issuer, and Family A will pay the remaining $200.00/month premium.

Qualifying for a Subsidy

REDUCE PREMIUM COST

Example 2: Individual B is eligible for a premium tax credit of $400.00 /month. Individual B selects a QHP that costs $350.00 /month. If he or she elects to receive the full amount of the premium tax credit in advance, $350.00 /month will be paid directly to the QHP issuer, and Individual B will have no monthly premium payment.

If Your Income falls within these parameters

(reduced for business expenses)$11,490 to $28,725 for individuals

$15,510 to $38,775 for a family of 2$19,530 to $48,825 for a family of 3$23,550 to $58,875 for a family of 4

Qualifying for Cost Sharing of Co-Pays, Deductible and Co-Insurance

REDUCE OUT OF POCKET COST

ON SILVER PLANS

Mobile Application

Plan Options and Prices

http://MPowering.mobapp.at

If you have coverage now

• Find it • Review the plan

STEP 1 STEP 2

STEP 3 STEP 4

The 4 Steps

WHAT DO I DO NEXT?

How to Determine your Income• If you ‘re an independent

contractor (1099) find most recent 1040

• Look for line 37• If you are a w-2 employee

determine income, tips etc.

Relax in the Knowledge

• Your Working with a Licensed Insurance Agent

• Your Navigator can answer your Insurance Question

• You have an advocate year round to assist you

• This Service is at NO COST

Connect with MPowering Benefits:

• Contact Program Coordinator

• By Phone• By Web Input• By Email• By Mobile Device

The 4 Basic Steps of obtaining Health Insurance through the AFFORDABLE CARE ACT

Coordinator Form

WHAT DO I DO NEXT?

Presented By C. Rod Maxson

THANK YOUFOR YOUR INTEREST