The World Health Statistics tells us “too many people are still dying of preventable diseases” and “too many people are unable to get the health services they need.” Having adequate health plan protects you and your family from experiencing medical bills. Since becoming an insurance agent in 2013, she has worked with some of the largest and most reputable insurance carriers and agencies in the nation, and she has built a large and loyal clientele by way of her commitment to transparency and personalized service.Health insurance plans are often stereotyped as an additional expense rather than a valuable protection. Seeing firsthand how unsuspecting patients are frequently confused by an overly complex system they don’t understand led Burns to become an insurance agent and health care consultant, now helping people understand the medical system. As a nurse, Burns supported patients filing insurance claims with Medicare, Medicaid, and private insurance companies as well as responding to billing questions from confused patients. She’s always been driven by a desire to help people, spending more than 25 years as a practicing nurse in hospitals, private doctors’ offices, home health, and hospice.
HEALTH INSURANCE MARKETPLACE IN TABULO LICENSE
She maintains an active nursing license and practices private-duty nursing.īurns’ background as a nurse, insurance biller and coder, and insurance consultant includes infectious disease, oncology, gynecology, phlebotomy, post operative, family medicine, geriatrics, home health, hospice, human resources, management, billing, coding, claims, fixed annuities, group and individual health and life products, and Medicare.
Burns is Affordable Care Act (ACA)-certified for health insurance and other ancillary, life, and annuity products. She earned her nursing degree in 1990 from Jacksonville State University, obtained her insurance billing and coding certification in 1995, and holds a health and life insurance license in Alabama, Georgia, Iowa, Mississippi, and Tennessee. Tammy Burns is an experienced health insurance advisor. However, unlike premium credits, which are available for any metal level of coverage ― Bronze, Silver, Gold, or Platinum ― cost-sharing credits are only available under Silver plans to make the actuarial value more like a Gold or Platinum plan. Those with lower incomes will receive more generous subsidies than those with higher incomes. Like premium credits, cost-sharing credits work on a sliding scale based on income. Cost-sharing credits reduce your responsibility for other out-of-pocket expenses, such as deductibles, copayments, and coinsurance.The lower the income, the higher the subsidy. The amount of the credit is based on estimated income for the coming year. The advance premium tax credit (APTC) option pays 1/12 of the credit directly to the insurance provider every month, thereby reducing the amount you must pay.
You have the option to have the credit paid in advance directly to the plan insurer every month or claim the credit later in a tax return. Premium credits are applied toward your monthly premium payments for plans purchased through the marketplace to reduce the cost.Generally, there are two types of healthcare subsidies: premium credits and cost-sharing credits:
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