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washington state health insurance authority

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When can I buy an individual health plan? Washington State Board of Health. Apple Health provides preventative care, like cancer screenings, treatment for diabetes and high … Individual Medical Plans Washington State. In 2010, Washington Governor Chris Gregoire announced a plan to merge Medicaid and the existing Health Care Authority, putting Porter also in charge of the state’s other large health care purchasing program, the Public Employees Benefits. Description. Washington Health Exchange . In Washington State, Medicaid is called Apple Health. Between the state’s Apple Health (Medicaid) program and coverage for public employees, the HCA provides health insurance for almost a third of Washington State residents. See RCW 48.17.010 (leg.wa.gov). 1,309 Washington State Health Care Authority jobs available on Indeed.com. Plan selection must occur within 60 days from the qualifying life event. A parent or caretaker applying with children. Benefits information above is provided anonymously by current and former Washington State Health Care Authority employees, and may include a … Washington Apple Health Application for Long-term Care/Aged, Blind, Disabled Coverage Form (Form 18-005) Apply on-line You buy directly from an insurance company or from an insurance agent or broker. Medical Insurance Plans For Individuals In Wa . 2. In March, 2014, Washington legislators tried to pass a bill that would have created much more transparency in the state’s health insurance industry, providing consumers with data on how much insurers are paying for services in each region of the state. (1) The Washington state health care authority is created within the executive branch. The authority shall have a director appointed by the governor, with the consent of the senate. Washington Autism Alliance and Advocacy (WAAA) is also available to help. The 2021 annual open enrollment period closed Dec. 15, … Washington Cities Insurance Authority is a self insured municipal risk pool, offering liability, property and specialty insurance programs as well as risk management services to municipal entities in Washington state. Health insurance funding is provided for state employees who are not represented by a union, who are covered by a bargaining agreement that is not subject to financial feasibility determination, or who are not part of the coalition of unions for health benefits. This … Box 40256 Olympia, WA 98504-0256 Insurance Consumer Hotline: 1-800-562-6900 PDF File: Washington State Health Insurance Pool V Washington Health Care Authority By Supreme Court Of Washington - PDF-WSHIPVWHCABSCOW-26-2 1/4 WASHINGTON STATE HEALTH INSURANCE POOL V WASHINGTON HEALTH CARE AUTHORITY BY SUPREME COURT OF WASHINGTON PDF-WSHIPVWHCABSCOW-26-2 | 110 Pages | Size 8,000 KB | 13 Jan, 2015 If you want to possess a one … Washington has created standardized health insurance plans for the individual market and a “public option” that will be available in more than half the counties in the state for 2021 coverage. Report your current income when applying for coverage through Washington Healthplanfinder.. Health care and disability filings. (1) The Washington state health care authority is created within the executive branch. Fingerprints will be sent electronically from the PSI exam center or MorphoTrust Center to the Washington State Patrol who will forward the results of your background check to the insurance commissioner’s licensing unit. New 2021 health plans are available, including Cascade Care plans. We do this by helping to prevent injuries, develop health systems and improve patient safety. Individual and family health plans & premiums. Pregnant or applying for someone who is pregnant. The Washington State Health Care Authority (HCA) is committed to whole-person care, integrating physical health and behavioral health services for better results and healthier residents. Free interview details posted anonymously by Washington State Health Care Authority … PEBB retiree coverage is available to employees who meet procedural and substantive eligibility requirements described in WAC 182-12-171. If eligible, the subscriber and/or dependents must enroll and maintain enrollment in both Medicare Part A and Part B to qualify for PEBB retiree coverage. Washington Healthplanfinder (www.wahealthplanfinder.org) Get help paying for your insurance rates when you buy a health plan in our state's health insurance Exchange through the Washington Healthplanfinder. Washington State Health Plan Finder . Willamette Dental Group of Washington, Inc. Life and accidental death and dismemberment (AD&D) insurance, For PEBB Continuation Coverage - Unpaid Leave, For PEBB Continuation Coverage - COBRA (enrolled in Medicare), For PEBB Continuation Coverage - COBRA (not enrolled in Medicare), Life and accidental death & dismemberment (AD&D) insurance, Washington Apple Health (Medicaid) providers, Enroll as a health care professional practicing under a group or facility, Existing Apple Health (Medicaid) providers, Request a Zoom license to connect with patients (during the COVID-19 pandemic), Claims and billing (guides/fee schedules), Provider billing guides and fee schedules, Program benefit packages and scope of services, Autism and Applied Behavior Analysis (ABA) therapy, Access to Care Standards (ACS) and ICD information, Service Encounter Reporting Instructions (SERI), Intensive Residential Treatment (IRT) Teams, Preadmission Screening and Resident Review (PASRR), Program of Assertive Community Treatment (PACT), Medications for opioid use disorder (MOUD), Screening, brief intervention, and referral to treatment (SBIRT), Ground emergency medical transportation (GEMT), King County Superior Court Juvenile Probation Services, Washington State Federally Recognized Tribes, Apple Health (Medicaid) drug coverage criteria, Substance use disorder (SUD) consent management guidance, Sign language interpreter contract transition, Children's Mental Health Lawsuit and Agreement, Ricky’s Law: Involuntary Treatment Act (ITA), State Youth Treatment - Implementation (SYT-I) Project, Washington Screening, Brief Interventions, and Referrals to Treatment (WASBIRT-PCI) Project, Children’s Behavioral Health Data and Quality Team, Children's Behavioral Health Executive Leadership Team (CBH ELT), Children and Youth Behavioral Health Work Group (CYBHWG), Family Youth System Partner Round Table (FYSPRT), Evidence-based and research-based practices, Analytics, Research, and Measurement (ARM), Initiative 1: transformation through ACHs, Initiative 2: long-term services & supports, Initiative 3: supportive housing & supported employment, Initiative 4: substance use disorder (SUD) IMD, Medicaid Transformation Learning Symposium, School Employees Benefits Board (SEBB) Program FAQs, Apple Health (Medicaid) quality strategy and compliance oversight, Apple Health (Medicaid) MCO and BH-ASO state contracts, Revised Indian Nation agreements and program agreements, Governor's Indian Health Advisory Council, Washington Prescription Drug Program (WPDP), Multi-payer Primary Care Transformation Model, HCA connects employee ambitions with career goals, Office of Medicaid Eligibility and Policy leads the effort in making access to Apple Health simple, Celebrating HCA’s nurses during National Nurses Week, May 6-12, Community based specialists help people with free or low-cost health care coverage, Military experiences shape personal and professional values, Artist turned graphic designer helps HCA create and maintain hundreds of print and web products, Infants at the Workplace Program provides support and flexibility for new parents, HCA goes ‘above and beyond’ for employees with disabilities, Black History Month celebration was a first at HCA, Apple Health (Medicaid) and managed care reports, Public Employees Benefits Board (PEBB) Program enrollment, School Employees Benefits Board (SEBB) Program enrollment, Washington State All Payer Claims Database (WA-APCD), Behavioral health and recovery rulemaking, Public Employees Benefits Board rulemaking, School Employees Benefits Board rulemaking, Personal injury, casualty recoveries, & special needs trusts, Employee eligibility tools and worksheets, PEBB Continuation Coverage spousal plan questionnaire 2020, Medical Flexible Spending Arrangement (FSA) and Dependent Care Assistance Program (DCAP), Sign up for Outreach and Training messages, Learn more about your customer service options, Website feedback: Tell us how we’re doing. Public Option Plans: The Health Care Authority will be working with the Exchange and other implementation partners to procure public option plans that will be available to Washington Healthplanfinder. This certificate describes the benefits that are ava ilable to you. PEBB retirees may be eligible to purchase the following life insurance options: Employees may apply to continue their PEBB employee basic life and optional life insurance until age 100 if certain conditions are met. The survivin… Health insurance plan name. Average salaries for Washington State Health Care Authority Communications Consultant V: $69,248. Information regarding the 2020 novel coronavirus (COVID-19) outbreak in Washington State, including test results and numbers of persons under investigation (PUIs), resources for local health jurisdictions, healthcare providers, schools and employers. A producer is a person licensed to sell, solicit, or negotiate insurance. We work closely with communities and local health partners to build strong health systems and prevention programs. Explain coverage options and the availability of financial assistance to lower the cost of insurance premiums. Elected and full-time appointed officials of the legislative and executive branches of state government who voluntarily or involuntarily leave public office and meet the procedural requirements. DRS Plan 3 members are not required to receive a retirement plan or lump sum payment, but must be at least age 55 and have at least 10 years of service under Plan 3. Core services focus on: Community Partnership Program; Community Services Office Annual long-term care (LTC) compliance filing form, Certification, clearance and court-certification letters, Designated responsible licensed person (DRLP), Laws and rules affecting licensees and providers, Appointments: new, cancel, renew or print certificates, E-Tax: File, amend and view premium taxes, Submit independent review organization (IRO) requests and decisions, Look up an insurance company or agent to find licensing, complaint, and financial information, Designated statistical agents in Washington state, Permitted accounting practice instructions, Performance standards letter to companies (PDF, 583KB), P&C, life, disability and title company admissions, Registering as a pharmacy benefit manager (PBM), Registering as a direct primary health care practice, Resources for insurance industry innovators, Market Conduct Annual Statement (MCAS) instructions, Anti-fraud annual report form (Word, 71KB), Certifying as an independent review organization (IRO), Independent review reporting for independent review organizations (IROs), Independent review reporting for carriers, Independent review organization (IRO) process questions, concerns and complaints, Fixed payment policy survey explanation and instructions, Special liability report instructions, forms and historical data, Title insurer data-reporting requirements for direct underwriters, Security breach notification requirements, Health insurer responsibilities under the Balance Billing Protection Act, Technical assistance advisories and emergency orders, Service of legal process for other regulated entities (PDF, 662KB), Uniform consent to service of process for insurers (PDF, 179KB) (www.naic.org), Cascade Care plans (www.wahealthplanfinder.org), BridgeSpan Health Company - 2021 premiums, Community Health Network of WA - 2021 premiums, Health Alliance Northwest Health Plan - 2021 premiums, Kaiser Foundation Health Plan of the Northwest - 2021 premiums, Kaiser Foundation Health Plan of Washington - 2021 premiums, LifeWise Health Plan of Washington - 2021 premiums, Molina Healthcare of Washington - 2021 premiums, PacificSource Health Plans - 2021 premiums, Regence BlueCross BlueShield of Oregon - 2021 premiums. Health insurance plans for people who aren't covered by a group health plan. The 2021 annual open enrollment period closed Dec. 15, 2020 for health coverage to start Jan. 1, 2021. Contact PEBB customer service at 1-800-200-1004 (this number is for retiree, COBRA and LWOP subscribers only.). More State Channels. Faxed bids will not be accepted. Washington State Health Care Authority Learn more about the 1095-B. OLYMPIA – Health care access for all Washingtonians is the dream of state Representative Eileen Cody, D-West Seattle, and her goal as the long-running chair of the House Health Care and Wellness Committee. WAAA is a non-profit organization that support families who need to access medically necessary services through their private health insurance. Free or low-cost coverage is available year round. In general, employees must be eligible to retire under a Washington State-sponsored retirement plan when the employee’s employer-paid coverage or COBRA coverage ends. The statutory authority for the Department of Health is in the Revised Code of Washington 43.70.020. Step 5: Maintain your license by being aware of your continuing education requirements. Children who do not receive a TANF grant may also qualify for free or low-cost medical coverage through the Washington Apple Health program. State health care authority — Director — Cost control and delivery strategies — Health information technology — Managed competition — Rules. 41.05.026 Retiree term life coverage is not available to those who: For more information concerning retiree life insurance options with MetLife please refer to the Certificates of Coverage (COC) for Washington and non-Washington residents. Core services focus on: Community Partnership Program; Community Services Office Apply to Program Specialist, Housing Manager, Purchasing Agent and more! 2. Agents or brokers - what's the difference? The following terms all mean the same thing: Health; Disability; Accident/sickness; See RCW 48.17.170(b) (leg.wa.gov). The Consumer Protection Division in the Washington State Office of the Insurance Commissioner can help you with questions and complaints: Consumer Protection Division Life and Health Section P.O. Association Health Plans - Review and Regulation (PDF, 43.51 KB) OIC RFPN PY2021 Filing Webinar - April 8, 2020 (PDF, 2.14 MB) Discontinuation and renewals for health plan year 2021. Questions about free or low-cost Apple Health (Medicaid) For questions about your Washington Apple Health eligibility, coverage claims, or billing, contact the Washington State Health Care Authority. The Secretary of Health is appointed by the governor. Find information from the Washington state Office of the Insurance Commissioner on Washington State Health Care Authority's self-funded group health plan opt-in. 2253 PROJECT TITLE: Behavioral Health-Administrative Service Organization (BH-ASO) Mid- Adopter PROPOSAL DUE DATE: May 10, 2017 by 2:00 p.m. Pacific Time, Olympia, Washington, USA. If you need help with insurance call the WAAA helpline Monday-Friday from 9:00 am to 1:00 pm, at 1-425-894-7231 ext. Employees not retiring under a Washington State-sponsored retirement plan must meet the same age and years of service had the person been a member of either PERS Plan 1 or 2 for the same period of employment. Individuals will have 90 days from the date of closure to complete their renewals and prevent any gap in coverage. Justia US Law US Codes and Statutes Revised Code of Washington 2005 Revised Code of Washington Title 41 — Public employment, civil service, and pensions Chapter 41.05 RCW: State health care authority (formerly state employees\' insurance and health care) Washington Revised Code … The surviving spouse, state-registered domestic partner, or dependent children of an emergency service employee killed in the line of duty. Washington State Health Insurance Consumer Assistance Program. Learn more about your customer service options. When enrolling in retiree coverage, an employee may change the medical plan they had while employed. Washington State operates its own health insurance exchange: Washington Healthplanfinder. INSURANCE COMMISSIONER – HEALTH INSURANCE POOL – HEALTH INSURANCE – CORPORATIONS – Authority of Washington State Health Insurance Pool to incorporate.1. We urge you to read it carefully. Washington State operates its own health insurance exchange: Washington Healthplanfinder. The director shall serve at the pleasure of the governor. Employees covered by Public Employees Benefits Board (PEBB) benefits seeking insurance coverage in retirement. Health Care Authority, Washington State (HCA) Health Care Facilities Authority (WHCFA) Health, Department of (DOH) Health, Washington State Board of (SBOH) Employee: Retiree (Medicare) Retiree (non-Medicare) PEBB Continuation Coverage (COBRA Medicare) PEBB Continuation Coverage (COBRA non-Medicare) PEBB Continuation Coverage (Unpaid Leave) The Department of Health was formed in 1989 to promote and protect public health, monitor health care costs, maintain standards for quality health care delivery and plan activities related to the health of Washington citizens. Due to COVID-19, HCA’s lobby is closed. 41.05.022: State agent for purchasing health services — Single community-rated risk pool. The approved amount will not exceed $2,000,000. State of Washington Facebook Pages. Employees not entitled to Medicare Part A and Part B, and wanting to enroll dependents, must provide verification documents. For 2021 there are additional choices and new coverage options called Cascade Care plans (www.wahealthplanfinder.org). Employees who are members of a Washington higher education retirement plan (i.e., TIAA-CREF) are eligible if they immediately begin to receive a monthly retirement plan payment, meet their plan’s retirement eligibility criteria, or are at least age 55 with 10 years of service. Mental Health Crisis Connections. Apple Health outreach staff help spread the word about free and low-cost health insurance Apple Health and community partners help improve the health of the Latino population in Washington Apple Health brings stability to lives of young couple This insurance is only available to those who meet the PEBB Program’s retiree eligibility requirements and had life insurance through the PEBB Program as an employee. Washington State Health Care Authority 626 8th Avenue SE Olympia, WA 98501 TO RETIRED EMPLOYEES: All of us appreciate the protection and security insurance provides. Her past efforts have included implementing the Affordable Care Act in Washington state, expansion of the state’s Apple Health (Medicaid) program, creation of the health benefit … We urge you to read it carefully. ; Washington has created standardized health insurance plans for the individual market and a “public option” that will be available in more than half the counties in the state for 2021 coverage. Provide or direct the employee to the PEBB Retiree Enrollment Guide (, Direct them to the Retirement section on the. Dependents are not eligible for retiree term life insurance. Washington State’s Medicaid program, also known as Apple Health, expands to meet the health care needs of men, women and children during times of financial instability, and Everett’s Providence Hospital, works to meet the health care needs of Snohomish County and regions extending beyond. STATE OF WASHINGTON HEALTH CARE AUTHORITY REQUEST FOR PROPOSALS (RFP) RFP NO. 102 (Screening Intake). What if I've lost my health insurance coverage? Washington State Health Care Authority salary trends based on salaries posted anonymously by Washington State Health Care Authority employees. Job loss could make you newly eligible for free or low-cost coverage through Washington Apple Health. The Washington State Health Insurance Pool is an entity created by statute for specified state purposes and lacks the authority to assume the form of a non-profit corporation. The checklist describes eligibility and procedural guidelines for PEBB retiree benefits: DRS plan 1 and 2 members must immediately receive a monthly retirement plan payment or lump sum payment as allowed by the plan. For more information visit: hca.wa.gov or call 1-800-562-3022 for questions about Washington Apple Health. Employees can contact MetLife directly at 1-877-275-6387 with any questions about the portability and/or conversion provisions. About The Washington State Government Channel. See RCW 48.17.010 (leg.wa.gov). Coverage is also available to the following: 1. The YouTube channel of the Washington State Government, linking you to videos from state agencies, departments, and elected officials. Health insurance in Washington. See if you qualify for or renew your Apple Health managed care. Wa Health Insurance. Washington State Health Care . Washington State Health Care Authority . The minimum an employee can continue under the portability provision is $5,000. Important enrollment information. Non-Exchange plans are plans you buy through an insurance agent, broker or directly from a company. Health insurance & health reform authority; September 20, 2020 ; Health insurance in Washington. Contact us - Apple Health (Medicaid) client Please correct the following errors, or contact the Health Care Authority Customer Service Center at 1-800-562-3022: All fields with a red asterisk is a required field and must be completed in order to submit. Producer (full and limited lines) A producer is a person licensed to sell, solicit, or negotiate insurance. Dependent basic life and any spouse or state-registered domestic partner optional life insurance can be continued, but only if the employee continues their life insurance. This. In addition, the insurance commissioner and the administrator of the Health Care Authority are non-voting members. HCA will come out with more changes/information/direction soon. PEBB provides life insurance through the Metropolitan Life Insurance Company (MetLife). ; The open enrollment period in Washington for 2021 health plans is … The Washington State Health Insurance Pool is an entity created by statute for specified state purposes and lacks the authority to assume the form of a non-profit corporation.2. The insurance funding rate is $977 per employee per month for fiscal year 2020 and $978 per employee per month for fiscal year 2021. The surviving spouse, state-registered domestic partner, or dependent children of a deceased eligible employee or retiree. 1 Washington State Health Care Authority reviews in Bellevue. Note: If you also lost coverage from your employer, this opens a special enrollment period for you to shop for a plan. 1 Washington State Health Care Authority Health Policy Analyst interview questions and 1 interview reviews. Health Insurance Washington - Washington Health, … healthinsurancewashington.com Loewenthal Insurance Agency representing several insurance companies and their plans to residents of Washington State. 41.05.023: Chronic care management program — Uniform medical plan — Definitions. Even caregivers may be eligible for coverage. Apple Insurance Washington State There is currently no state law in effect requiring employers to offer group healthcare insurance to their employees, but most employers do provide this benefit. Nearly one out of every four Washington citizens turns to the Department of Social and Health Services' Economic Services Administration for assistance with cash, food, child support, child care, disability determination, transition to employment, and other services. Washington State Health Care Authority (HCA) is now allowing undocumented adults to apply for Alien Emergency Medical (AEM) if they need COVID-19 testing. Retired state employee and retired or disabled school employee health insurance subsidy. MetLife will send information and an application to employees eligible for portability or conversion due to termination or other reasons. If you were enrolled in Washington Apple Health (Medicaid), you’ll receive a 1095-B from the Washington State Health Care Authority. With $900 million price tag, Washington state will soon take over all school employee health care plans Originally published January 2, 2019 at 5:00 am Updated January 3, 2019 at 5:41 am Washington Basic Life Insurance Certificate Date: January 1, 2017 Certificate Number 2 . PEBB retiree coverage is available to employees who meet procedural and substantive eligibility requirements described in WAC 182-12-171. If you miss this enrollment period, you can still buy a plan in the Exchange Dec. 16, 2020 though Jan. 15, 2021 for coverage to start Feb. 1, 2021. Applying for children. In Washington state, the health line of authority is referred to as "disability." Learn about Washington State Health Care Authority , including insurance benefits, retirement benefits, and vacation policy. Copyright © 2020 Washington Health Care Authority, Long-term services and supports (LTSS) and hospice, Autism & Applied Behavioral Analysis (ABA) therapy, Medically Intensive Children's Program (MICP), American Indians and Alaska Natives (AI/AN), Apple Health coverage without managed care, Update my income or address (report a change), Pregnant mother finds comfort during uncertain times, Apple Health client inspired to help others access health coverage, Apple Health supported client while searching for job, Telehealth helps a mother connect with her child during pandemic, Foster parent helps kids get overdue medical care through Apple Health, After accident, hiker gets the care she needs through Apple Health, Apple Health worker helps ease financial worries of new mother, Facing high diabetes treatment costs, Apple Health (Medicaid) saves the day, Access to housing, employment, and health care gives Yakima resident a second chance, Cancer patient lives a quality life thanks to Apple Health, New mother and baby have healthy start thanks to Apple Health, Apple Health covers medically necessary surgery when other insurance wouldn’t, Apple Health leads the way to a better life for autism spectrum disorder (ASD) client, Apple Health for Kids provides relief for new parents, Access to health care allows student to pursue education stress-free, Children’s Health Insurance Program (CHIP) keeps health care affordable for families, Helping Apple Health (Medicaid) clients when they need it most, Apple Health gives life to those with chronic disease, Mother and daughter have a better life because of Apple Health, Apple Health provides otherwise unaffordable, life-saving medication for HIV patient, Apple Health outreach staff help spread the word about free and low-cost health insurance, Apple Health and community partners help improve the health of the Latino population in Washington, Apple Health brings stability to lives of young couple, I can’t begin to explain how much Apple Health has helped me, I wouldn’t be able to afford health insurance otherwise, Apple Health gives me a sense of security, Helping people navigate their way to Washington Apple Health, Apple Health has given her such peace of mind, Contact Washington Apple Health (Medicaid), Child and youth behavioral health services, Wraparound with Intensive Services (WISe), Substance use disorder prevention and mental health promotion, Painful life lessons become strengths for crisis counselor, Integrated approach delivers all care “right here, right now”, General eligibility requirements that apply to all Apple Health programs, Modified Adjusted Gross Income (MAGI) based programs manual, Long-term services and supports (LTSS) manual, Uniform Medical Plan (UMP) administered by Regence BlueShield and WSRxS, Health plans with health savings accounts (HSAs), Medical Flexible Spending Arrangement (FSA), Not participating in a Washington State-sponsored retirement plan, Health plans with health savings accounts (HSAs) (non-Medicare), Long-term disability insurance (unpaid leave only), PEBB Continuation Coverage premiums (non-Medicare), PEBB Continuation Coverage premiums (Medicare), Life insurance premiums (unpaid leave only), Long-term disability insurance premiums (unpaid leave only), SEBB Continuation Coverage spousal plan questionnaire 2020, Public Employees Benefits Board (PEBB) Program, Archived agendas, minutes, & presentations, School Employees Benefits Board (SEBB) Program. If you or a household member were covered by another program other than a Qualified Health Plan through Washington Healthplanfinder, you may also get a 1095-B or a 1095-C. Retirees and permanently disabled employees of employer groups who discontinue participation with PEBB may be eligible for PEBB Extension of Coverage on a self-pay basis for up to 18 months. We protect insurance consumers, the public interest, and our state’s economy through fair and efficient regulation of the insurance industry. Email Melissa Bruce at the Washington State Health Care Authority or call (360)725-1572. Nearly one out of every four Washington citizens turns to the Department of Social and Health Services' Economic Services Administration for assistance with cash, food, child support, child care, disability determination, transition to employment, and other services. Washington is one of 17 states operating a state-based Health Insurance Marketplace. 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Available to the following terms all mean the same thing: Health ; disability ; ;! Community services Office Washington State Health Care Authority are non-voting members through Washington Apple Health the exchange ( )! ( full and limited lines ) a producer is a non-profit organization that families. At 1-877-275-6387 with any questions about the portability provision is $ 5,000 2021. Insurance agent, broker or directly from a company PEBB receive the retiree coverage Election/Change form no later 60! Health plans are qualified Health plans are available, including Cascade Care plans salaries posted anonymously employees. Metlife will send information and an application to employees who meet procedural and substantive eligibility requirements in... Their Washington Healthplanfinder insurance benefits, retirement benefits, and elected officials can. In addition, the insurance Commissioner and the availability of financial assistance to lower the cost insurance. 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