Ki jan ou kalifye pou Medicaid? Chache konnen kijan pou kalifye epi aplike pou kouvèti asirans sante Medicaid. Gade kondisyon yo ak ki lè pou aplike pou pwoteksyon.
TABLE OF CONTENTS
Youn nan senk moun Ozetazini resevwa pwoteksyon sante gratis oswa a pri ki ba atravè Medicaid, yon pwogram federal ansanm ak eta a ki administre pa eta endividyèl la dapre direktiv federal yo. Chak eta gen règ diferan sou kiyès ki kalifye pou Medicaid ak kijan pou aplike.
Ou ka aplike pou Medicaid nenpòt lè epi ou dwe gen dokimante prèv kalifikasyon yo, ki gen ladan sitwayènte, rezidans, laj, revni ak resous, ak depans medikal oswa andikap. Redetèminasyon kalifikasyon yo fèt regilyèman. Si w kalifye, ou ka gen tou de Medicare ak Medicaid.
Medicaid se yon pwogram sante federal ansanm ak leta ki bay pwoteksyon sante pou fanmi ki gen ti revni, fanm ansent ki kalifye ak timoun, ak moun k ap resevwa Revni Sekirite Siplemantè (SSI).
Eta yo, swiv direktiv federal yo, administre pwogram Medicaid la epi yo ba yo opsyon pou elaji kouvèti Medicaid la. Pa egzanp, eta yo ka bay pwoteksyon Medicaid pou moun k ap resevwa sèvis nan kay ak nan kominote a, timoun ki nan swen adoptif, ak adilt ki gen revni ki nan oubyen pi ba 133% nivo povrete federal (FPL). FPL 2021 la se $12,880 pou yon moun ak $17,420 pou yon fanmi ki gen de moun.
Pou kalifye pou Medicaid la, ou dwe ranpli kondisyon elijiblite finansye yo epi ou dwe:
Anjeneral, elijiblite finansye pou Medicaid baze sou Revni Brit Ajiste ki Modifye (MAGI), ki konsidere revni taksab ak relasyon pou ranpli taks. Gen kèk moun ki avèg, andikape, oswa ki gen 65 an oswa plis ka kalifye finansyèman pou Medicaid lè yo itilize metodoloji revni pwogram SSI, ke Administrasyon Sekirite Sosyal (SSA) ap administre.
Moun ki nan sèten gwoup pa bezwen yon detèminasyon sou revni pa Medicaid. Olye de sa, kalifikasyon baze sou enskripsyon nan yon lòt pwogram. Pa egzanp:
Eta yo kapab mete sou pye yon pwogram swen sante pou moun ki gen yon bezwen sanitè enpòtan e ke revni li twò wo pou li benefisye Medicaid la. Eta sa yo pèmèt ou retire depans medikal ou nan revni ou pou vin kalifye pou Medicaid.
Egzijans kalifikasyon Medicaid kèk eta yo pi restren ke pwogram SSI la. Yo konnen sa yo kòm eta 209(b), epi yo dwe pèmèt yon rabè nan menm nivo kalifikasyon revni pou gwoup ki baze sou andikap, avèg, oswa laj (65 oswa plis).
Paske chak eta gen règ diferan sou kalifikasyon ak fason pou aplike, ou dwe kontakte pwogram Medicaid eta ou a pou konnen si ou kalifye. Yon bon kote pou kòmanse se pou wè ki revni eta ou a ak limit maksimòm resous yo ye.
Youn sou senk Ameriken gen kouvèti Medicaid. Moun ki pa kalifye yo se:
Wi. Yo konnen sa kòm kalifikasyon doub, epi pi fò nan depans swen sante ou yo ka kouvri. Anjeneral, yo konsidere Medicare kòm asirans prensipal la (sòf si ou gen pwoteksyon plan sante gwoup anplwayè tou), epi Medicaid se moun ki peye dènye rekou.
Medicaid peye sèlman apre yo fin peye Medicare, plan sante gwoup patwon yo, ak yon asirans siplemantè Medigap (Medigap). Nòt: Si ou kalifye pou Medicaid epi revni/sikonstans ou pa sanble ap chanje, ou pa ta dwe bezwen asirans siplemantè.
Medicaid ede benefisyè Medicare yo ak frè mansyèl Medicare la ak pataje frè yo. Epitou, li bay anpil nan yo benefis ki pa kouvri pa Medicare, tankou èd ak bezwen swen alontèm, kèk medikaman, oswa linèt.
Si ou, antanke benefisyè Medicare, kalifye pou Medicaid, ou otomatikman elijib pou Èd Siplemantè, yon pwogram Medicare pou ede w peye frè medikaman yo tankou frè mansyèl, kopeman, ak dediktib yo.
Gen kèk eta ak plan sante ki ofri plan Medicare-Medicaid pou sèten moun ki gen tou de pwogram yo pou rann li pi fasil pou jwenn sèvis yo bezwen yo.
Pou nenpòt bagay ki gen rapò ak Medicaid, kontakte ajans leta w la pou èd.
Si ou pa sèten ke ou ta ka kalifye pou Medicaid ou pa, men ou antijan satisfè kondisyon finansye yo nan eta ou a, ou ta dwe aplike. Ou ka elijib selon revni kay ou, gwosè fanmi w, laj, oswa andikap.
Aplike pou Medicaid atravè Mache Asirans Sante a oswa dirèkteman avèk ajans Medicaid eta ou a. Anpil moun ki enskri nan Medicaid yo jwenn benefis Medicaid yo atravè plan swen prive jere ki gen kontra ak eta a. W ap jwenn konsèy sou fason pou aplike yon fwa ou jwenn aksè sou sit entènèt eta w la, oswa kontakte ajans eta w la.
Pare w pou w bay enfòmasyon sou aplikasyon w pou Medicaid kòm prèv kalifikasyon w. Ou ta dwe espere tande yon repons nan 45 jou oswa plis si ou andikape. Si yo refize aplikasyon w lan, w ap resevwa yon avi refi ak enstriksyon sou fason pou fè apèl kont desizyon an.
Byen konsève dokiman (kopi) ou itilize pou ranpli aplikasyon w lan. Ou gendwa bezwen bay yo ankò oswa montre vèsyon ki ajou yo lè w ap renouvle/redetèminasyon, selon pwogram Medicaid eta w la. Prepare w pou w bay dokiman sa yo:
Pa tann pou aplike. Kontrèman ak Medicare, pa gen okenn restriksyon oswa peryòd enskripsyon ouvè, kidonk ou ka aplike nenpòt ki lè. Li pi bon pou w aplike epi yo refizew olye pou w pa eseye ditou. Renouvèlman ak re-detèminasyon pou asire kontinite kalifikasyon ap fèt omwen chak 12 mwa. Gen kèk eta ki ka mande pou redetèminasyon pi souvan, men nan nenpòt ka, ou bezwen rapòte nenpòt chanjman nan estati ou pi vit ke posib, nan 30 jou.
Yon fwa yo detèmine elijiblite w pou Medicaid, kouvèti w la anvigè swa nan dat aplikasyon an oswa nan premye jou nan mwa aplikasyon an. Benefis yo ka kouvri retwoaktivman pou jiska twa mwa anvan lè ou aplike si ou ta kalifye pandan peryòd tan sa a.
Kouvèti a pral sispann nan fen mwa a ke ou pa ranpli kondisyon ki elijib yo ankò.
Si ou gen kesyon oubyen ou vle pou yo tcheke sou estati a nan aplikasyon ou lan, kontakte pwogram Medicaid eta ou a dirèkteman. Fè yon kont ak nan ajans/òganizasyon ki jere ou pwogram nan leta yo.
Menmsi ou ka jwenn aksè nan aplikasyon w lan atravè yon sit entènèt eta a, biwo lokal ak ajan yo ka ede w an pèsòn oswa nan telefòn.
Ajans Medicare Eta a | Limit Revni Medicaid | Frè mansèl Medicaid |
---|---|---|
Alabama | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Alaska | Selibatè: $22,597 Marye: $30,444 Marye, 1 timoun: $38,291 Marye, 2 timoun: $46,138 Marye, 3 timoun: $53,985 Marye, 4 timoun: $61,832 |
$0 |
Arizona | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Arkansas | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
Jiska 5% nan revni nan kay la |
California | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Colorado | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Connecticut | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Delaware | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Florid | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Georgia | Selibatè: $33,568 Marye:$45,226 Marye, 1 timoun: $56,885 Marye, 2 timoun: $68,543 Marye, 3 timoun: $80,201 Marye, 4 timoun: $91860 |
$0 |
Hawaii | Selibatè: $20,787 Marye: $28,010 Marye, 1 timoun: $35,232 Marye, 2 timoun: $42,454 Marye, 3 timoun: $49,676 Marye, 4 timoun:$56,898 |
$0 |
Idaho | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Illinois | Selibatè: $18,755 Marye: $25,268 Marye, 1 timoun: $31,782 Marye, 2 timoun: $38,295 Marye, 3 timoun: $44,809 Marye, 4 timoun: $51,323 |
$0 |
Indiana | Selibatè: $16,971 Marye: $22,930 Marye, 1 timoun: $28,888 Marye, 2 timoun:$34,846 Marye, 3 timoun: $40,805 Marye, 4 timoun: $46,763 |
Jiska 5% nan revni nan kay la |
Iowa | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
Jiska 5% nan revni nan kay la |
Kansas | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Kentucky | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Louisiana | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Maine | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Maryland | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Massachusetts | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Michigan | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
Jiska 5% nan revni nan kay la |
Minnesota | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Mississippi | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Missouri | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Montana | Selibatè: $13,590 Marye: $18,310 Marye, 1 timoun: $23,030 Marye, 2 timoun: $27,750 Marye, 3 timoun: $32,470 Marye, 4 timoun: $37,190 |
Jiska 5% nan revni nan kay la |
Nebraska | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Nevada | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
New Hampshire | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
New Jersey | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Nouvo Meksik | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
New York | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
North Carolina | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
North Dakota | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Ohio | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Oklahoma | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Oregon | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Pennsylvania | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Rhode Island | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
South Carolina | Selibatè: $13,590 Marye: $18,310 Marye, 1 timoun: $23,030 Marye, 2 timoun: $27,750 Marye, 3 timoun: $32,470 Marye, 4 timoun: $37,190 |
$0 |
South Dakota | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Tennessee | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Texas | Selibatè: $26,909 Marye: $36,254 Marye, 1 timoun: $45,600 Marye, 2 timoun: $54,945 Marye, 3 timoun: $64,291 Marye, 4 timoun: $73,637 |
$0 |
Utah | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Vermont | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Virginia | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Washington | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
West Virginia | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Wisconsin | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Wyoming | Selibatè: $18,075 Marye: $24,353 Marye, 1 timoun: $30,630 Marye, 2 timoun: $36,908 Marye, 3 timoun: $43,186 Marye, 4 timoun: $49,463 |
$0 |
Resous ak lyen | Ki jan ou ka jwenn èd |
Chèche Plan sou Healthcare.gov | Sa a se yon sit entènèt gouvènman an ki fèt pou ede w jwenn plan sante prive andeyò mache asirans sante a. Plan sa yo ka disponib souvan sou mache a, men sa ofri opsyon adisyonèl. |
Èd lokal pou Healthcare.Gov | Jwenn èd lokal nan chache plan ki sou mache a. |
Sant pou sèvis Medicare ak Medicaid | Aprann plis sou kouvèti Medicaid ak kalifye pou yon plan asirans sante ak yon revni fèb. |
Pwogram Asistans Medicare Medicaid | Pwogram Asistans Medicare Medicaid la bay èd san patipri ak de pwogram yo gratis. Volontè sètifye yo reponn kesyon, rezoud pwoblèm, epi ede moun konprann chwa plan yo. |
Sant pou sèvis Medicaid ak CHIP | Sant pou Sèvis Medicaid ak CHIP (CMCS) travay an kolaborasyon sere ak eta yo, ansanm ak founisè yo, fanmi yo, ak lòt moun ki gen enterè yo pou sipòte pwogram pwoteksyon sante efikas, inovate ak bon jan kalite. |
Medicare se yon pwogram asirans. Bòdwo medikal yo peye nan fon konfyans moun ki garanti yo te peye. Li sèvi prensipalman moun ki gen plis pase 65 an, kèlkeswa revni yo, ak pi piti moun andikape ak pasyan dyalize yo.
Medicaid se yon pwogram asistans. Li sèvi moun ki pa gen anpil revni nan tout laj. Anjeneral pasyan yo pa peye okenn pati nan frè pou depans medikal ki kouvri yo.
Nan tout eta, Medicaid bay pwoteksyon sante pou kèk moun ki pa gen anpil revni, fanmi ak timoun, fanm ansent, granmoun aje ak moun ki andikape. Nan kèk eta pwogram nan kouvri tout adilt ki pa gen anpil revni ki anba yon sèten nivo revni.
Nan pifò eta ou ka kalifye pou Medicaid si revni kay ou a pi ba pase 133% nivo povrete federal la. Sepandan, gen kèk eta itilize yon limit revni diferan.
Eta yo etabli ak administre pwòp pwogram Medicaid yo epi detèmine kalite, kantite, dire, ak dimansyon sèvis yo nan gwo direktiv federal yo. Sepandan, gouvènman federal la mande kèk benefis dwe kouvri nan chak eta, tankou sèvis lopital pou pasyan ki entène ak pou pasyan ekstèn, sèvis doktè, sèvis laboratwa ak radyografi, ak sèvis sante nan kay, pami lòt yo. Benefis opsyonèl yo enkli sèvis ki gen ladanl medikaman sou preskripsyon, jesyon ka, terapi fizik, ak terapi okipasyonèl.
Pifò sèvis ki pa kouvri pa Medicaid yo ka anjeneral dekri kòm youn nan bagay sa yo:
Tammy Burns is an experienced health insurance advisor. 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. Burns is Affordable Care Act (ACA)-certified for health insurance and other ancillary, life, and annuity products. She maintains an active nursing license and practices private-duty nursing.
Burns’ 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. 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. 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.
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. 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.
Tammy Burns is an experienced health insurance advisor. 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. Burns is Affordable Care Act (ACA)-certified for health insurance and other ancillary, life, and annuity products. She maintains an active nursing license and practices private-duty nursing.
Burns’ 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. 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. 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.
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. 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.