Core Health Insurance discussion

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November 22, 2015 by Tony Novak

Our web site Corehealthinsurance.net came up as a topic of discussion this week on a lawyer’s answer web site called JustAnswer.com.

Core Health Insurance is apparently the nation’s most popular supplemental health insurance because of its wide availability, its coverage of common ordinary medical expenses and affordable premium rates. It has long been the most popular choice among users looking for an alternative to or supplement for major medical insurance. This insurance pays based on a schedule, not based on the charges that you incur. Perhaps the most popular features are the low deductible and flat dollar amount the doctor’s office visit benefit.  But Core Health Insurance does not cover large medical costs and does not provide the 10 essential benefits depicted in the logo illustration of this blog site above.

The consumer’s question was: “My Question is that Does AUIC.org Multiplan Core Health Insurance meet my needs for Insurance in Texas and satisfies the law for Obamacare or the ACA?”
The answer by a lawyer using the handle “socrateaser” was accurate: “Core Health AUIC insurance is not intended to help members or their employers comply with the provisions of the Affordable Care Act commonly known as the “individual mandate” and does not offer the provisions known as “minimum essential coverage” and will not satisfy the individual responsibility requirements of section 5000A of the Internal Revenue Code.” 

It appears that the lawyer cut and paste my disclosure comment from the bottom of the Web site that says:

CORE HEALTH INSURANCE IS A SUPPLEMENTAL INSURANCE AND IS NOT A REPLACEMENT FOR OBAMACARE. This insurance is not intended to help members or their employers comply with the provisions of the Affordable Care Act commonly known as the “individual mandate” and does not offer the provisions known as “minimum essential coverage” and will not satisfy the individual responsibility requirements of section 5000A of the Code. Questions about compliance with the Affordable Care Act may be directed to the free consumer assistance program at www.OnlineNavigator.org.”

I wrote to request that the lawyer consider adding a source for the comment: “Thanks for clarifying the issue for the user about Core Health Insurance. Would you please consider adding a source citation for the response apparently copied from corehealthinsurance.net? As a professional writer in this field, this is important to me.
Thanks,
Tony Novak”

We want to add even further emphasis on the issue by expanding on this point:

  • Core Health Insurance is not Obamacare.
  • Core Health Insurance is not minimal essential coverage under the Affordable Care Act.
  • A person covered only by Core Health Insurance may still be subject to the individual shared responsibility payment requirement under the Affordable Care Act.
  • An applicable larger employer who provides only Core Health Insurance to its employees may still be subject to the shared responsibility payment requirement under the Affordable Care Act.
  • The best use of Core Health Insurance is to cove the high deductible and out-of-pocket costs of an Obamacare plan.
  • We do not advise that anyone should be without major medical insurance but we recognize the reality that more than 40 million people in the U.S. find themselves in that situation.
  • We recognize that the Affordable Care Act has not substantially expanded major medical insurance to working class Americans (people earning more than 150% over poverty level income but still struggling to afford medical coverage) as evidenced by the high number of uninsured and under-insured people and that this is the likely cause of increased demand for Core Health Insurance.

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