Infographics Gallery: Image Descriptions, Transcript & Links

Detailed image description:

The image is an infographic with a teal background that outlines the 10 essential health benefits covered by insurance plans under the ACA. The title is highlighted in yellow at the top, stating the importance of these benefits.

The infographic is divided into two columns with icons and white text, listing different health services. The left column includes a silhouette of a pregnant woman for maternity care, a person with a crutch for rehabilitative services, a hospital building for hospitalization, a parent with a child for pediatric care, and hands holding a heart for preventive and wellness services.

The right column shows a prescription icon for prescription drugs, a microscope for laboratory services, a silhouette of a head for mental and behavioral health services, a figure running for ambulatory patient services, and an ambulance for emergency services.

The bottom of the image features a yellow website URL.

Transcribed Text:

Because of the ACA, insurance plans MUST cover 10 ESSENTIAL HEALTH BENEFITS

• Maternity care
• Rehabilitative services
• Hospitalization
• Pediatric care
• Preventive and wellness services
• Prescription drugs
• Laboratory services
• Mental & behavioral health services
• Ambulatory patient services
• Emergency services 

Detailed image description:

The image is an infographic highlighting the benefits of the Affordable Care Act (ACA). It features a central circular pattern with four colorful, curved sections that resemble petals. Each section has an icon and a unique background color: green, orange, blue, and red.

The green section depicts calendar pages, the orange displays the number "26", the blue shows a family figure, and the red emphasizes a medical symbol. The text "THE ACA (AFFORDABLE CARE ACT) HAS:" is at the center in blue and black letters.

Surrounding the central graphic are text statements detailing benefits such as ending discrimination for pre-existing conditions and increasing aid to rural hospitals. The phrase "www.getjensurance.com" is at the bottom.

Transcribed Text:

THE ACA (AFFORDABLE CARE ACT) HAS:

• Ended discrimination for pre-existing conditions
• Ended lifetime and yearly caps on coverage
• Funded the Children's Health Insurance Program
• Outlawed discriminatory insurance pricing against women
• Guaranteed coverage for maternity care & contraceptives
• Allowed young adults to stay on parents' plan until age 26
• Ensured greater coverage for veteran’s benefits
• Increased aid to rural hospitals

Detailed image description:

The image is an infographic titled "Steps to Enrollment in a Marketplace plan." It visually represents the four sequential steps in enrolling. The background consists of concentric circles in shades of teal. Starting from the top and moving clockwise, four steps are described, each in a teal box with corresponding lines pointing to positions on the circles.

• "Create an account" is at the top, guiding to provide basic information on HealthCare.gov.
• "Apply" follows, detailing information input about income, household size, and eligibility.
• "Pick a plan" involves comparing plans and exploring potential savings.
• "Enroll" is the final step, emphasizing choosing a plan, enrolling, and paying the first premium.

Each step description is connected with a line to a point on the circles.

Transcribed Text:

Steps to Enrollment in a Marketplace plan

• Create an account
  • Go to HealthCare.gov and provide basic info, set password and security questions
• Apply
  • Next enter info about you & your family, including income, household size, other coverage you're eligible for, etc.
• Pick a plan
  • Next you will see & compare plans side by side. You'll also find out if you qualify for lower monthly premiums & other savings based on your income.
• Enroll
  • Choose a plan that meets your needs, enroll, and pay your first premium.

You're covered! 

Detailed image description:

The image is an infographic illustrating five key terms for understanding health insurance coverage. The background is white, and the content is organized into five colorful sections vertically aligned.

Each section features a number, a title, a brief description, and an associated icon.

• The first section is dark pink and labeled "01 Premium," accompanied by a calendar icon. It describes the monthly payment for health insurance.
• The second section is purple, labeled "02 Deductible," with a dollar bill icon, explaining the amount paid before insurance coverage starts.
• The third section is teal, titled "03 Copayment," featuring a stethoscope icon, detailing the fixed amount paid for specific health services.
• The fourth section is light orange, labeled "04 Coinsurance," with a percentage icon, describing the portion paid after reaching the deductible.
• The fifth section is light blue, titled "05 Out-of-pocket max," and features a wallet icon. It illustrates the maximum payment before insurance covers all costs.

A vertical black arrow labeled "Out-of-pocket costs" runs along the right side, pointing downward. At the bottom is the website URL.

Transcribed Text:

KEY TERMS for understanding coverage

• Premium: The amount you will pay each month for health insurance.
• Deductible: The amount you're required to pay before your insurance kicks in. (Example: $3000)
• Copayment: The fixed amount you pay for a specific health care service. (Example: $15 to refill a prescription.)
• Coinsurance: The percentage you're responsible for AFTER hitting your deductible (Example: 20%)
• Out-of-pocket max: The most you will pay during your coverage period, after which insurance pays 100%. (Example: $6000) 

Detailed image description:

The image is an informative chart displaying different tiers of insurance plans, represented by five circular coins with respective labels: Platinum, Gold, Silver + savings, Silver, and Bronze.

Each coin varies in color corresponding to the plan:

• Platinum is dark grey
• Gold is golden-yellow
• Silver coins are grey
• Bronze is light brown

Below these coins, a table outlines plan details in three rows: "Plan pays," "You pay," and "Deductible." "Plan pays" shows percentages from 60% to 96%, whereas "You pay" shows percentages from 6% to 40%. The "Deductible" row lists the levels from Low to High. The image has a web address at the bottom.

Transcribed Text:

• Platinum: plan pays 90%, you pay 10%, low deductible
• Gold: plan pays 80%, you pay 20%, low deductible
• Silver + savings: plan pays 73-96%, you pay 6-27%, low deductible
• Silver: plan pays 70%, you pay 30%, moderate deductible
• Bronze: plan pays 60%, you pay 40%, high deductible 

Detailed image description:

The image presents an infographic titled "5 Types of Plans" against a teal background. Five circular yellow icons, each with a number from 1 to 5, line the left side vertically. Each icon corresponds to a type of plan, described in white speech bubbles.

These plans are HMO, PPO, EPO, POS, and HDHP. The plans are described in brief text form, highlighting key differences in network size, referral requirements, deductible levels, costs, and payment structures.

The bottom of the infographic features a white website URL: "www.getjensurance.com."

Transcribed Text:

5 TYPES OF PLANS

HMO

• Less expensive than PPO
• Smaller network
• Need PCP referral to see a specialist

PPO

• More expensive than HMO
• Out-of-network costs more
• No referral to see a specialist

EPO

• Combines aspects of HMO and PPO
• Must see in-network providers
• No PCP or referral to see a specialist

POS

• Pay less for in-network providers
• Need PCP referral to see a specialist

HDHP

• Higher deductible than traditional plans
• Lower premium payments
• Can be linked to HSA (Health Savings Account) 

Detailed image description:

The image is an informational graphic with a teal background, divided into two main sections with text and illustrations.

The left side explains the option to have the credit paid in advance (APTC) to an insurance company, accompanied by an illustration of bills and a calculator.

The right side describes receiving the full benefit of the credit when filing a tax return, with an illustration of bills and a tax document. Bold, black text headers introduce each section, with additional smaller text providing details. The bottom right corner includes a website URL.

Transcribed Text:

HOW DOES THE PREMIUM TAX CREDIT (PTC) WORK?

If you’re eligible, you can choose to:

Have the credit paid in ADVANCE (APTC) to your insurance company. This will lower your monthly premiums. When you file your tax return, you’ll reconcile your ADVANCE payment of the PTC with the ACTUAL credit you calculate on your return.

or

Get the full benefit of the credit when you file your tax return. Pay full price for your insurance now and get the full benefit of the premium tax credit when you file your federal tax return. 

Detailed image description:

• The image is an informative graphic detailing various changes that may affect insurance coverage. It is divided into four sections, each accompanied by a distinct icon.
• The first section, featuring an icon of a family, explains changes affecting family size, such as marriage, divorce, pregnancy, and child-related events.
• The second section, with dollar sign icons, addresses income changes that influence coverage eligibility.
• The third section has a medical cross icon, discussing coverage changes due to employment, age, and eligibility for Medicare or Medicaid.
• The final section, marked with various icons like a house and tax documents, covers miscellaneous changes such as residence, tax filing status, and citizenship.

The background color is a soft teal with black text. At the bottom, a website URL is highlighted in gold on a dark green strip.

Transcribed Text:

Changes that affect your family size

• Getting married or divorced, or having a death in the family
• Becoming pregnant
• Having a child, adopting a child, placing a child for adoption, or gaining a child through foster placement
• Gaining or losing a dependent due to a child support or other court order

Changes that affect your household income

• Income that's higher than what you expected when you applied for Marketplace coverage
• Income that's gone down

Changes to the coverage that's available to you

• Getting coverage through a job
• Turning 26, so you're no longer eligible for coverage on your parent's health plan
• Becoming eligible for Medicare or Medicaid

Other changes

• Place of residence
• Tax filing status, or changes to your name, date of birth, or Social Security Number (SSN)
• Disability status
• Citizenship or immigration status
• Incarceration status
• American Indian/Alaska Native tribal status 

Detailed image description:

The image is an infographic explaining the calculation of ACA-Specific Modified Adjusted Gross Income (MAGI). At the top, there is a light yellow header with bold black text displaying the title, with a website link below it.

The central part of the infographic consists of a flowchart with four square boxes aligned horizontally, each containing different income components:

• "Adjusted Gross Income (AGI)"
• "Non-Taxable Social Security Benefits"
• "Tax-Exempt Interest"
• "Excluded Foreign Income"

Each box has a plus sign between them, indicating addition, with descriptive text beneath explaining each term. Beneath these boxes, an arrow points down to a rectangular box labeled "Modified Adjusted Gross Income (MAGI)."

At the bottom, there is a yellow note that explains the context of "income" in relation to health insurance subsidies. Below this, the source website is written in bold black text against a light blue background.

Transcribed Text:

Calculating ACA-Specific Modified Adjusted Gross Income (MAGI)

SOURCE: https://www.healthreformbeyondthebasics.org/key-facts-income-definitions-for-marketplace-and-medicaid-coverage/

Adjusted Gross Income (AGI)

• As defined by the IRS, AGI is gross income minus adjustments to income

Non-Taxable Social Security Benefits

• Social Security benefits not included in gross income

Tax-Exempt Interest

• Interest income that is not subject to federal income tax

Excluded Foreign Income

• Foreign earned income excluded from taxation of individuals who live abroad

Modified Adjusted Gross Income (MAGI)

NOTE: In the context of health insurance subsidies, “income” refers to “household income.” This includes the combined income of everyone whose income is reported on your tax return (i.e., your “tax household”) even if some of those people will not be covered under the Marketplace health plan. 

Detailed image description:

The image is an informational graphic with a pale-yellow background containing text in bold red and teal. The content is divided into six highlighted sections, each presented inside colored boxes, either pink or teal.

At the top, bold red text states, “DID YOU KNOW? OPEN ENROLLMENT ISN’T OVER!” followed by highlighted sections with important dates, contact information, and application methods.

A pink box on the left displays an icon of a light bulb followed by “The LAST DAY of OEP is JAN 15!” Next to it, a teal box with a magnifying glass icon states, “Enroll by 01/15 for coverage start date 02/01.”

The middle row contains contact methods: A pink box to apply by phone with the phone number, and a teal box for online application at HealthCare.gov.

The bottom row provides additional assistance: A pink box with a website URL for local help, and a teal box with personal contact information for Jennifer Pace. Along the left edge, a vertical purple URL, “www.getjensurance.com” is displayed. At the bottom, bold red text encourages action with “APPLY & ENROLL TODAY!”

Transcribed Text:

DID YOU KNOW? OPEN ENROLLMENT ISN’T OVER! The LAST DAY of OEP is JAN 15!

Enroll by 01/15 for coverage start date 02/01.

Apply by phone (Marketplace Call Center) 1-800-318-2596

Apply online at HealthCare.gov

Get help applying at Find Local Help https://www.healthcare.gov/find-local-help/

Or contact me and I’ll get you through it!

• Jennifer Pace
• 832-458-1455
• jennifer@instwtx.com

APPLY & ENROLL TODAY! 

Detailed image description:

The image is an informative graphic divided into two sections

The top section has a teal background with a red banner at the top reading "ACA Fact of the Day."

Below this is a white background with bold black text stating, "DID YOU KNOW:" followed by a description of the Affordable Care Act's prohibition on denying coverage or charging higher premiums due to pre-existing conditions. Key phrases like "CHARGE MORE" and "DENY COVERAGE" are emphasized in uppercase. A URL is provided for more information.

The bottom section features an icon of an envelope with a red notification bubble indicating the number one, followed by a teal background with black text "Jensurance!" in large letters, and a tagline, contact details including a website, email address, and phone number are written in smaller text.

Transcribed Text:

ACA FACT OF THE DAY

DID YOU KNOW:

Did you know that the ACA (Affordable Care Act) prohibits insurance companies from denying coverage or charging higher premiums based on pre-existing conditions?

• Health insurance can no longer CHARGE MORE or DENY COVERAGE to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy! Further, they cannot LIMIT benefits for that condition, either.

https://www.hhs.gov/healthcare/about-the-aca/pre-existing-conditions/index.html

• JENSURANCE!
• LET’S FIND YOUR INSURANCE SOLUTION
• jennifer@instwtx.com — www.getjensurance.com — 832-458-1455

Detailed image description:

The image features a vibrant, multicolored geometric pattern in the background, composed of overlapping squares and rectangles in hues of blue, purple, red, orange, and yellow.

Overlaying the background in the center is a vertically-aligned column of dark purple rectangles, each containing text and a white star icon on the left.

At the top, the title "JENSURANCE! Resources" is prominently displayed in bold, yellow text with a dark outline. Below the title is a subtitle in smaller text reading, "Everything you need for working with your Marketplace plan." The four purple rectangles contain various resource descriptions.

A URL is placed at the bottom.

Transcribed Text:

JENSURANCE! Resources

Everything you need for working with your Marketplace plan

Ready to Apply? Checklist!

--Everything you need to gather your info & documentation to apply for Marketplace coverage. Download or print!

Links Roundup!

--All the links from my website, upcoming ebook, blog, & social media series, separated by category

Glossary: Key Terms

--Terms to know to be able to get the most out of your plan and make it work for you

Infographics Gallery

--Visual aids to understand basic insurance concepts. Great for visual learners & easy to share!

https://www.getjensurance.com/resources-helpful-links-tools