A Consumer s Guide to the Affordable Care Act
|
|
- Osborn Logan
- 4 years ago
- Views:
Transcription
1 A Consumer s Guide to the Affordable Care Act
2 The Affordable Care Act was designed to help make health care affordable for everyone. This guide will help you understand how the ACA affects individuals and families. It includes how to get a low-cost health plan, the types of plans you can purchase, what they cover and how to prepare for enrollment. How the ACA protects you Here are some of the ways in which the ACA helps consumers: Young adults can remain on a parent s health plan until the age of 26, even if they live away from home, attend school or are married. Preventive care and women s preventive services are covered with no copays, coinsurance or deductibles. Adults and children with pre-existing conditions can t be denied coverage or pay high rates. Your health plan can t be cancelled if you get sick. There are no lifetime dollar limits on coverage. Out-of-pocket limits also protect you from high medical costs. Your out-of-pocket limit is the most you ll pay for covered services during a benefit period (usually a calendar year). After that, your health plan starts to pay 100 percent of the allowed amount. All copays, coinsurance and deductibles count toward your out-of-pocket limit. How your health care dollars are used Health insurance companies must spend at least 80 percent (80 cents) of every premium dollar they take in on your health care and programs to improve the quality of care. Companies that don t meet this target must pay back the difference in the form of rebates or reduced premiums.
3 When to sign up for a health plan The government sets strict guidelines on when people can enroll in a health plan. The open enrollment period for 2016 coverage is Nov. 1, 2015, to Jan. 31, Outside of these dates, you can only enroll in a health plan or change your current plan if you have a qualifying life event. These events include losing a job, having a baby or getting married. This is known as a special enrollment period. Written proof of the life event must be included with a new application or member change form. It must be submitted within 60 days of the event. Note: If you have health coverage through an employer, your employer sets the open enrollment date. The effective date The date that your health coverage actually starts depends on when you enroll. In general, if you enroll by the 15th of the month, the effective date of your coverage will be the first day of the next month. If you enroll between the 16th and the end of the month, your coverage will start on the first day of the next following month. Example Enroll by Dec. 15: Coverage starts Jan. 1. Enroll between Dec. 16 and 31: Coverage starts Feb. 1. Note: Your coverage won t be effective unless you pay your first month s premium by the due date.
4 Tax penalties The ACA s individual shared responsibility provision otherwise known as the individual mandate requires most Americans to have health insurance. If you don t have health coverage through an individual or employer plan, Medicare or Medicaid, you will face a tax penalty. Other types of coverage will also satisfy this mandate, including: Children s Health Insurance Program (CHIP) Veterans Affairs Indian Health Service TRICARE The penalty for the 2016 tax year is: $695 per person Or 2.5 percent of your yearly household income (whichever is greater) You will be required to pay the penalty on the tax return you file for the year you don t have coverage. Example Pete, his wife and their 18-year-old son do not have health insurance. Their household income is $50, percent of $50,000 = $1,250 $695 x 3 people = $2,085 The family s tax penalty for not having health insurance would be the higher amount $2,085. You won t have to pay a penalty if one of the following is true: You don t make enough money to file a federal tax return. You would have to spend more than 8 percent of your household income on the least expensive health plan available. You show that a hardship prevented you from becoming insured. People who believe they are exempt from this rule can apply for an exemption through the Health Insurance Marketplace at HealthCare.gov.
5 Get ready to enroll An important step before you enroll is to gather information. Think about your family s health care needs and medications. How much can you afford to spend each month on health insurance? When you re comparing plans, be sure to look beyond the monthly premium (the amount you pay each month for health insurance). Find out what your cost would be to see a doctor, fill a prescription, get an X-ray or be hospitalized. Here s a checklist to help you prepare for enrolling in a health plan: Visit choosehap.org to get an idea of your options. Visit choosehap.org/healthinsurance101 to learn how coverage works. Write down a list of any questions you have. Gather household information, such as: Number of people who need coverage Monthly income and expenses Personal information (dates of birth, Social Security numbers, etc.) Set a budget how much you can afford to spend each month on health insurance (premiums and out-of-pocket costs). Have a doctor in mind for you and members of your family, especially if you are enrolling in an HMO and selecting a personal care physician. Make a list of any drugs you or your family members take so you can make sure the health plan s drug formulary includes those drugs. Ours is available at hap.org/prescriptions. Gather the required proof of a qualifying life event if enrolling due to a special enrollment period.
6 Qualified health plans All qualified health plans cover essential health benefits that include the following 10 types of services: 1. Ambulatory patient services (outpatient care you receive without being admitted to a hospital) 2. Emergency services 3. Hospitalization 4. Maternity and newborn care (care before and after your baby is born) 5. Mental health and substance use disorder services, including behavioral health treatment including counseling and psychotherapy 6. Prescription drugs 7. Rehabilitative and habilitative services and devices (to help people with injuries, disabilities or chronic conditions gain or recover mental and physical skills) 8. Laboratory services 9. Preventive and wellness services and chronic disease management 10. Pediatric vision and dental services If you don t currently have health coverage, you ll need to get a qualified health plan or face tax penalties. There are three ways to buy a health plan: 1. Directly through an insurance company such as HAP 2. Through the Health Insurance Marketplace 3. Through a licensed insurance agent
7 The metal tiers All qualified health plans are grouped into metal levels or tiers: Platinum Gold Silver Bronze These tiers are based on the percentage of health care costs the plan covers. They allow people to compare plans with similar coverage value (also called actuarial value). They are not ranked by any quality measures. Bronze plans usually have the lowest premiums and highest out-of-pocket costs (copays, deductibles and coinsurance). Platinum plans usually have the highest premiums and the lowest cost sharing. It is also possible that lower-tier plans offered by one insurer may cost less than another s higher-tier plans. Insurers selling plans to individuals may offer several different options within each metal level. They are not required to offer plans in all four levels. To learn more about HAP Personal Alliance health plan for families and individuals, visit choosehap.org.
8 Lower-cost eligibility There are several factors that affect the cost of health care under the ACA. These include: Rating rules Federal and state taxes and fees Essential health benefits Depending on your income and the number of people in your household, you may qualify for a lower-cost health plan. These plans are available through the Marketplace, Healthy Michigan Plan or other Medicaid programs. Lower-cost eligibility at a glance Number of people in your household Your estimated total household income for Up to $16,243 $16,244 to $47,080 2 Up to $21,983 $21,984 to $63,720 3 Up to $27,724 $27,725 to $80,360 4 Up to $33,465 $33,466 to $97,000 5 Up to $39,206 $39,207 to $113,640 6 Up to $44,947 $44,948 to $130,280 7 Up to $50,687 $50,688 to $146,920 8* Up to $56,428 $56,429 to $163,560 You may qualify for the Healthy Michigan Plan or another Medicaid program. You may qualify for lower costs through the Health Insurance Marketplace. *Add $4,160 for each additional person in a household of more than eight. Lower costs through the Health Insurance Marketplace If you buy a health plan through the Marketplace, you may be eligible for cost savings based on your family size and income. The lower your income, the higher your savings may be. If eligible, you will receive a cost savings (called an Advance Premium Tax Credit) that can be applied directly to your monthly premiums. You may also be eligible for lower out-of-pocket costs.
9 Lower costs through the Healthy Michigan Plan If you have a limited income, you may be eligible for the Healthy Michigan Plan. This plan provides coverage for Michigan residents who: Are age 19 to 64 years Make up to 133 percent of the federal poverty level (about $16,000 a year for individuals or $33,000 for a family of four) Do not qualify for or are not enrolled in Medicare or other Medicaid programs Are not pregnant when applying You may apply for the Healthy Michigan Plan at any time. Online: michigan.gov/mibridges By phone: (855) In person: Visit a local Department of Human Services office. For more information, visit choosehap.org/help-paying-your-premiums. Help is always available Health insurance companies and licensed health insurance agents are friendly and knowledgeable. They re great at helping you learn about health insurance and how to choose the right health plan. If you have any questions, call us at (855) WITH-HAP ( ).
10 Health Plans for Everyone Individual Group Medicare Medicaid hap.org Subsidiaries Alliance Health and Life Insurance Company ASR Health Benefits HAP Midwest Health Plan HAP Preferred Inc. HAP does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation or health status in the administration of the plan, including enrollment and benefit determinations Health Alliance Plan of Michigan A Nonprofit Company 0M 7/
Ambulatory patient services (outpatient care you get without being admitted to a hospital)
What is the Affordable Health Care Act (ObamaCare)? Whether you need health coverage or have it already, the health care law offers new rights and protections that make coverage fairer and easier to understand.
Health Insurance Marketplace. vhealth insurance exchanges. What to expect in 2014. What to expect in 2014
vhealth insurance exchanges Health Insurance Marketplace What to expect in 2014 What to expect in 2014 The basics of exchanges As part of the Affordable Care Act (ACA or health care reform law), starting
Exchanges and the ACA What You Need to Know for 2014
Exchanges and the ACA What You Need to Know for 2014 How the Affordable Care Act affects the Individual Health Insurance Market This presentation is for informational purposes only and does not constitute
Health Care Reform: Health Insurance Marketplace FAQs
From Filice Insurance Health Care Reform: Health Insurance Marketplace FAQs What is a Health Insurance Marketplace? The Health Insurance Marketplace (Marketplace) is a way to find health coverage that
Why the Affordable Care Act Matters for Women: Health Insurance 101
Why the Affordable Care Act Matters for Women: Health Insurance 101 APRIL 2014 Women are the health care decision makers in our country they make approximately 80 percent of the health care decisions in
Presented by South Dakota Community Action Partnership
Presented by South Dakota Community Action Partnership The project described was supported by Funding Opportunity Number CA-NAV-13-001 from the U.S Department of Health and Human Services, Centers for
Health Insurance Marketplaces
Health Insurance Marketplaces 2013 Zywave, Inc. All rights reserved. Presented by Employer Flexible What is Health Care Reform? The Affordable Care Act (ACA) was enacted in March 2010. Biggest overhaul
NEW HEALTH MARKETPLACE
NEW HEALTH INSURANCE MARKETPLACE DISCLAIMER The information in this presentation is based on information provided www.healthcare.gov. It is not provided as advice for your personal situation. Georgia Perimeter
AFFORDABLE CARE ACT FAQ
AFFORDABLE CARE ACT FAQ What is the Healthcare Insurance Marketplace? The Marketplace is a new way to find quality health coverage. It can help if you don t have coverage now or if you have it but want
Frequently Asked Questions
Frequently Asked Questions What is Covered California? What is Obamacare? Are they the same? What is the Medi-Cal program? Who can buy health insurance through Covered California? When will I be able to
The Affordable Care Act: What Does it Mean for Individuals and Families?
The Affordable Care Act: What Does it Mean for Individuals and Families? FIRM Team Fact Sheet 13-04 Available at http://www.firm.msue.msu.edu David B. Schweikhardt Adam J. Kantrovich Brenda R. Long Michigan
Health Care Reform Update
Small Businesses No Financial Requirements for Small Businesses: The ACA imposes no financial requirements for small businesses to contribute to their employees health insurance. However, beginning in
Health Insurance Marketplace Frequently Asked Questions
Health Insurance Marketplace Frequently Asked Questions Q & A SPECIFIC TO THE HEALTH INSURANCE MARKETPLACE & ASSISTANCE Q1: Why is health insurance important? A: No one plans to get sick or hurt, but at
HEALTH CARE REFORM CHECKLIST
HEALTH CARE REFORM CHECKLIST As a small employer, you need to be aware of the new regulations tied to the Affordable Care Act. Refer to this checklist to ensure you understand each one and that you re
The Affordable Care Act: The Health Insurance Marketplace -- What Does It Mean for Individuals, Families, and Employers?
The Patient Protection and Affordable Care Act (ACA) includes provisions that will have significant implications for individuals, families and employers in 2014. These provisions include: The creation
Health insurance Marketplace. What to expect in 2014
Health insurance Marketplace What to expect in 2014 Overview The Affordable Care Act (ACA) includes several provisions geared to extend greater access to health insurance benefits to more people. Beginning
Health Care Reform. Frequently Asked Questions. June 2013
Health Care Reform Frequently Asked Questions June 2013 Frequently Asked Questions (FAQs) What is a health insurance marketplace or exchange? A marketplace, or exchange, is a website where you can shop
How to pick a health insurance plan
The three most important questions you need to ask Health care can be very expensive. Having a baby costs about $30,000, and so does the average three-day hospital stay. Health insurance is a way to reduce
Federal Health Reform FAQs
Federal Health Reform FAQs Individuals 1. What is an exchange? An exchange, as created under the Affordable Care Act (ACA), is a place where consumers can purchase subsidized health insurance coverage.
Health Insurance Marketplace
Health Insurance Marketplace & Arkansas Health Connector Published by the City of Pine Bluff, Human Resources Department ** Federal Mandate ** The Affordable Care Act, a new healthcare law, requires that
SHIBA. Statewide Health Insurance Benefits Advisors. Medicare, Health Insurance, & the Affordable Care Act Updates for Summer 2013
SHIBA Statewide Health Insurance Benefits Advisors Medicare, Health Insurance, & the Affordable Care Act Updates for Summer 2013 Liz Mercer Regional Trainer Sponsored by the: 8/8/2013 1 Today s overview
Understanding the ObamaCare Health Insurance Plans in North Carolina Understanding Insurance and Affordable Care Act Terminology: ACA- Marketplace
Understanding the ObamaCare Health Insurance Plans in North Carolina As a result of the Affordable Care Act (a.k.a. ObamaCare) the following provisions are now in place for health insurance policies with
A,B,C s of Obama Care What do you need to know? How will it affect you and your family?
Elephant in the Room A,B,C s of Obama Care What do you need to know? How will it affect you and your family? Confused? What will you learn in this webinar? O What is Obamacare? O What has it done so far?
Affordable Care Act HEALTHCARE.GOV. Marketplace Implementation Briefing Virginia Organizing Marketplace Public Forum August 20, 2013
HEALTHCARE.GOV Affordable Care Act Marketplace Implementation Briefing Virginia Organizing Marketplace Public Forum August 20, 2013 Joanne Corte Grossi, MIPP Regional Director U.S. Department of Health
It goes by many names: Patient Protection and Affordable Care Act (PPACA) or ACA or Obama Care or simply Healthcare Reform.
WHAT IS HEALTHCARE REFORM? Healthcare Reform (HCR) is a law passed by Congress that provides many different requirements. A very important aspect of the law is that it is designed to provide individuals
The Vermont Health Benefit Exchange: An Update for Small Business Owners
The Vermont Health Benefit Exchange: An Update for Small Business Owners Today s Presentation Health Reform Goals Overview of Health Care Reform What is the Exchange? What Does the Exchange Look Like?
LEARN. Your guide to health insurance
LEARN Your guide to health insurance Table of Contents Why health insurance is important...1 How the Affordable Care Act affects you...2 See if you may qualify for a subsidy...4 Types of health plans...6
Section 2: INDIVIDUALS WHO CURRENTLY HAVE
Section 2: INDIVIDUALS WHO CURRENTLY HAVE COVERAGE OR AN OFFER OF COVERAGE FROM THEIR EMPLOYER Section 2 covers enrollment issues for individuals who have coverage or an offer of coverage whether through
The Affordable Care Act: What Does It Mean for Self-Employed Individuals in Agriculture and Small Business?
FIRM Team Fact Sheet 13-03 Available at http://firm.msue.msu.edu David B. Schweikhardt Adam J. Kantrovich Brenda R. Long Michigan State University Extension October 2013 The Patient Protection and Affordable
GUIDE. Your. To Public Health Insurance Marketplaces. Find Coverage for You and Your Family
GUIDE Your To Public Health Insurance Marketplaces Find Coverage for You and Your Family We are Towers Watson s OneExchange We help you shop for a health plan. We hire and train licensed benefit advisors
The Vermont Health Benefit Exchange: An Update
The Vermont Health Benefit Exchange: An Update Today s Discussion Health Reform Goals & Timeline Overview of Health Care Reform What is the Exchange? What Does the Exchange Look Like? Plan Design Enrollment
This glossary provides simple and straightforward definitions of key terms that are part of the health reform law.
This glossary provides simple and straightforward definitions of key terms that are part of the health reform law. A Affordable Care Act Also known as the ACA. A law that creates new options for people
Understanding Health Insurance. Your Guide to the Affordable Care Act
Understanding Health Insurance Your Guide to the Affordable Care Act Summary Health insurance may seem like a luxury if you are on a tight budget. But protecting your health and your family is one of the
Maryland Health Connection
Maryland Health Connection What You Need To Know About Getting Health Coverage MarylandHealthConnection.gov Goals Today The importance of coverage What is Maryland Health Connection? Coverage options Qualified
INDIVIDUAL HEALTH INSURANCE GUIDE. Introduction. What is the Health Insurance Marketplace?
INDIVIDUAL HEALTH INSURANCE GUIDE Introduction On November 15th, 2014, the second annual Open Enrollment Period for Individual Health Insurance begins. The Affordable Care Act (ACA) requires all US citizens
The Affordable Care Act. President Obama signed the Affordable Care Act (ACA) into law on March 23, 2010.
The Affordable Care Act President Obama signed the Affordable Care Act (ACA) into law on March 23, 2010. The ACA was enacted to: v Increase quality and affordability of health insurance v Lower the uninsured
INDIVIDUAL HEALTH INSURANCE In Maine
A Consumer s Guide To... INDIVIDUAL HEALTH INSURANCE In Maine Published by: The Maine Bureau of Insurance September 2015 Paul R. LePage Governor Eric A. Cioppa Superintendent Basics of Individual Health
Healthcare Reform Preparedness for Small Businesses
Healthcare Reform Preparedness for Small Businesses Blue KC on Wheels Community awareness initiative Health screenings Wellness information Seminars on healthcare reform, health insurance and wellness
Welcome to the KASA webinar series!
Welcome to the KASA webinar series! Today s topic: What Youth Leaders and Millennials Need to Know about Health Insurance and the Affordable Care Act Presenter: Erin Hemlin, Young Invincibles Hosted by:
Health Care Reform Frequently Asked Questions (FAQ) Consumers Employers
This page provides answers to frequently asked questions (FAQ) regarding The Patient Protection and Affordable Care Act (PPACA; P.L. 111-148) and the Health Care and Education Reconciliation Act of 2010
State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE
State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE Scott Walker, Governor Theodore K. Nickel, Commissioner Wisconsin.gov 125 South Webster Street P.O. Box 7873 Madison, Wisconsin 53707-7873 Phone:
Understanding the New Health Insurance
Get Covered Guide Understanding the New Health Insurance Written by: Lucy Berrington and Jessica Kendall at Enroll America with input and support from: Kimberly Bemberis, Kathryn Bicego, Barbara DiPietro,
You can usually only shop for insurance during a specific timeframe that occurs once a year called open enrollment.
Getting Started So many of us forget about health insurance until we need to use it. Even when we have insurance, sometimes we forget about the routine and preventive services that help us to get and stay
The Health Insurance Marketplace 101. July 2013
The July 2013 The Problem Insurance companies could turn away the 129 million Americans with pre-existing conditions Premiums had more than doubled over the last decade, while insurance company profits
THE AFFORDABLE CARE ACT: THE AFFORDABLE COVERAGE OPTIONS AND CONSIDERATIONS IN 2014 THE NEW HEALTH INSURANCE: MARKETPLACE AND MEDICAID
THE AFFORDABLE CARE ACT: THE AFFORDABLE COVERAGE OPTIONS AND CONSIDERATIONS IN 2014 THE NEW HEALTH INSURANCE: MARKETPLACE AND MEDICAID Deloris Summers Deaf In-Person Counselor Navigator Jacksonville Area
Legislative Brief: COMPREHENSIVE HEALTH COVERAGE ESSENTIAL HEALTH BENEFITS PACKAGE
Laurus Strategies Legislative Brief: COMPREHENSIVE HEALTH COVERAGE ESSENTIAL HEALTH BENEFITS PACKAGE The Affordable Care Act (ACA) requires non grandfathered health insurance plans in the individual and
Your Guide to Health Insurance Learn how to choose the best health plan
Your Guide to Health Insurance Learn how to choose the best health plan Subsidy Welcome Thank you for considering AmeriHealth New Jersey as your health insurer. We know the importance of having quality
The Small Business Guide to Health Care Law
The Small Business Guide to Health Care Law How new changes in health care law will affect you and your employees Table of Contents Introduction 3 Part I: A General Overview of Health Care Law 4 The Affects
Health Insurance Marketplace 101. Find health care options that meet your needs and fit your budget.
Health Insurance Marketplace 101 Find health care options that meet your needs and fit your budget. March 2014 The Health Care Law In March 2010, President Obama signed the Affordable Care Act into law
Find health care options that meet your needs and fit your budget.
Health Insurance Marketplace 101 Find health care options that meet your needs and fit your budget. October 2015 Objectives This session will help you Explain the Health Insurance Marketplace Define who
Guide to Health Care Reform
Guide to Health Care Reform 2 0 1 5 Navigating the changing landscape The first year of health care reform may be over but it may have left you with more questions than ever. You probably want to know
Health Care Reform Basics
Health Care Reform Basics You may be asking yourself what health care reform is all about. Don t worry, you re not alone many people are asking the same question! This booklet will give you the basics
5Want to know more about the health
www. WHAT S INSIDE STEPS TO UNDERSTANDING OBAMACARE Introduction 4 Step 1 Does your current health insurance plan need to change? 6 Step 2 How will you pay for health insurance in 2014? 10 Step 3 What
How the Affordable Care Act Affects Medical Support Orders in Oklahoma Frequently Asked Questions Spring, 2014 1
How the Affordable Care Act Affects Medical Support Orders in Oklahoma Frequently Asked Questions Spring, 2014 1 General 1. Did Oklahoma expand Medicaid? No, Oklahoma did not expand Medicaid. 2. Who is
Nebraska Health Insurance Exchange Update
Nebraska Health Insurance Exchange Update Overview of the Affordable Care Act and the Federally Facilitated marketplace. September 2014 AFFORDABLE CARE ACT» The Affordable Care Act: Establishes a Health
Insurance. how insurance works
Insurance how insurance works why health insurance is important Health insurance is one of the best ways you can protect yourself and your family in case you get sick or injured and need medical care.
The New Health Insurance Marketplace. Choices and Opportunities for Small Groups
The New Health Insurance Marketplace Choices and Opportunities for Small Groups What is the Affordable Care Act? The Patient Protection and Affordable Care Act (ACA) was signed into law on March 23, 2010
THE HEALTH INSURANCE MARKETPLACE
THE HEALTH INSURANCE MARKETPLACE Presented by Raffa Financial Services Source: Centers for Medicare & Medicaid Services Design 2013 Zywave, Inc. All rights reserved. OBJECTIVES This session will help you:
HEALTH INSURANCE PLANS
2016 HEALTH INSURANCE PLANS FOR YOU & YOUR FAMILY An Independent Licensee of the Blue Cross and Blue Shield Association MPI 4162 10/15 Access to more doctors, hospitals and top specialists * Coverage that
A Consumer s Guide to Health Care Reform
A Consumer s Guide to Health Care Reform Table of Contents Health Care Reform... 2 Coverage for Everyone... 4 Buying Coverage... 6 Checklist for Open Enrollment... 8 Lower Cost Eligibility... 9 Guaranteed
Ohio Health Benefits LLC. Your health insurance partner!!
December 16, 2014 Presented by Steve Clark & Scott Prior Patient Protection and Affordable Care Act of 2010 Obamacare or ACA or PPACA or Health Care Reform (HCR) Signed in to law on March 23, 2010 The
HCR 101: Your Guide to Understanding Healthcare Reform
HCR 101: Your Guide to Understanding Healthcare Reform Are You Ready for Healthcare Reform? By now, you ve probably been hearing a lot about the Affordable Care Act (also known as healthcare reform or
Health Insurance Buyers Guide. What You Need to Know to Get Started
Health Insurance Buyers Guide What You Need to Know to Get Started Time to Enroll The Affordable Care Act has changed the way that many people get health insurance. You may have more options and more ways
health insurance Why It s Important & What You Need to Know
health insurance Why It s Important & What You Need to Know HEALTH INSURANCE: WHY IT S IMPORTANT & WHAT YOU NEED TO KNOW Worry Less: Protect Your Health and Your Wallet No one plans to get sick or hurt,
health insurance Why It s Important & What You Need to Know
health insurance Why It s Important & What You Need to Know If you do not have health insurance: Fixing a broken arm can cost up to $7,500 The average cost of a 3-day hospital stay is around Worry Less:
Health Matters. A Guide for Pre-65 Health Care Options. Important health plan information enclosed.
Health Matters A Guide for Pre-65 Health Care Options Important health plan information enclosed. Why am I receiving this booklet? Understanding your health care coverage options is more complex than ever.
A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. Health Insurance
A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE The of Health Insurance THE ABC S OF HEALTH INSURANCE: WHY IS HEALTH INSURANCE IMPORTANT? Even if you are in GOOD HEALTH, you will need to
Copayment: The amount you must pay for each medical visit to a participating doctor or other healthcare provider, usually at this time service.
Basic Terms How to calculate Out of Pocket Costs on a Hospital Stay: If you have a $2000 deductible and 30% coinsurance health insurance plan. If you have a $10,000 emergency room or hospital stay your
The Affordable Care Act and the Health Insurance Marketplace
The Affordable Care Act and the Health Insurance Marketplace Are You Ready? The Affordable Care Act is here! In March 2010, President Obama signed into law the Affordable Care Act (ACA), putting comprehensive
Benefit and Coverage Rules Under the ACA: California vs. Federal Provisions
March Benefit and Coverage Rules Under the ACA: California vs. Federal Provisions Since passage of the federal Affordable Care Act (ACA) in 2010, California has enacted implementing state legislation in
TO UNDERSTANDING THE AFFORDABLE CARE ACT
3 STEPS TO UNDERSTANDING THE AFFORDABLE CARE ACT What s Inside Step 1: What Understand what you re buying 4 Step 2: How How can you buy health insurance? 20 STEPS TO UNDERSTANDING THE AFFORDABLE CARE ACT
individual and family health insurance plans
CALL TODAY: (800) 895-2421 MercyCare has a plan for you. individual and family health insurance plans Live well. We ll insure you do. page 1 About us MercyCare s individual health plans are backed by a
Health Insurance Marketplace Basics
Health Insurance Marketplace Basics Amanda Ptashkin, JD Outreach and Advocacy Director aptashkin@healthyfuturega.org 404-890-5804 WHY SHOULD I GET COVERAGE? Access to the health care system Financial protection
Health Insurance Marketplace 101
Health Insurance Marketplace 101 The Marketplace is open! Find health care options that meet your needs and fit your budget. The Health Care Law In March 2010, President Obama signed the Affordable Care
HEALTH INSURANCE MARKETPLACES FACT SHEET
HEALTH INSURANCE MARKETPLACES FACT SHEET INFORMED ON REFORM Overview A Health Insurance Marketplace, also known as a Health Insurance Exchange, is available in every state as a public option for individuals
The Small Business Guide to Health Care Law. How new changes in health care law will affect you and your employees 609-662-2400 1
The Small Business Guide to Health Care Law How new changes in health care law will affect you and your employees 609-662-2400 1 2013 Independence Blue Cross Table of Contents Introduction 3 Part I: A
Molina Marketplace. We have a plan to keep you healthy.
Molina Marketplace We have a plan to keep you healthy. Access. Quality. Commitment. With the new Health Insurance Marketplace, you have a choice. Molina Healthcare is the answer. Here is why you should
THE KANSAS AFFORDABLE CARE ACT IMPLEMENTATION. Linda J. Sheppard November 6, 2014
THE KANSAS AFFORDABLE CARE ACT IMPLEMENTATION Linda J. Sheppard November 6, 2014 The Kansas Market Approximately 348,000 Kansans are uninsured - 12.3% of the state s population 44,130 are children, but
Find health care options that meet your needs and fit your budget.
Health Insurance Marketplace 101 Find health care options that meet your needs and fit your budget. January 2015 The Health Care Law In March 2010, President Obama signed the Affordable Care Act into law
MODULE 16: MEDICARE AND THE HEALTH INSURANCE MARKETPLACES
MODULE 16: MEDICARE AND THE HEALTH INSURANCE MARKETPLACES Objective This module will educate HIICAP counselors about how Medicare is affected (and not affected) by the health insurance Marketplaces. What
Choosing the Best Plan for You: A Tool for Purchasing Coverage in the Health Insurance Exchange
Choosing the Best Plan for You: A Tool for Purchasing Coverage in the Health Insurance Exchange The Affordable Care Act (ACA) makes health insurance available to nearly all Americans and the law requires
Consumer Guide to. Health Insurance. Oregon Insurance Division
Consumer Guide to Health Insurance Oregon Insurance Division The Department of Consumer and Business Services, Oregon s largest business regulatory and consumer protection agency, produced this guide.
OVERVIEW OF PRIVATE INSURANCE MARKET REFORMS IN THE PATIENT PROTECTION AND AFFORDABLE CARE ACT AND RESOURCES FOR FREQUENTLY ASKED QUESTIONS
OVERVIEW OF PRIVATE INSURANCE MARKET REFORMS IN THE PATIENT PROTECTION AND AFFORDABLE CARE ACT AND RESOURCES FOR FREQUENTLY ASKED QUESTIONS Brief Prepared by MATTHEW COKE Senior Research Attorney LEGISLATIVE
Find health care options that meet your needs and fit your budget. ctober 2014
O Health Insurance Find health care options that meet your needs and fit your budget. ctober 2014 The Health Care Law In March 2010, President Obama signed the Affordable Care Act into law generally requiring
GLOSSARY OF KEY HEALTH INSURANCE CONCEPTS
The Affordable Care Act: A Working Guide for MCH Professionals Module 2 GLOSSARY OF KEY HEALTH INSURANCE CONCEPTS Overview A fundamental first step in accessing health care in the United States is having
Title Here Title Here Title Here Title Here Title
What You Need to Know about Health Insurance What You Need to Know about Health Insurance Title Here Title Here Title Here Title Here Title Here Choosing Title the Here Health Title Here Plan Title that
THE AFFORDABLE CARE ACT IN VIRGINIA --THE BASICS-- MARY FRANCES CHARLTON Attorney and ACA Coordinator LEGAL AID JUSTICE CENTER
THE AFFORDABLE CARE ACT IN VIRGINIA --THE BASICS-- MARY FRANCES CHARLTON Attorney and ACA Coordinator LEGAL AID JUSTICE CENTER Overview Affordable Care Act, aka Obamacare Goals Affordable Insurance Coverage
Health Insurance Marketplace 101 1
Affordable Care Act Coverage Accomplishments May 2013 3.1 million young adults have gained insurance through their parents plans 6.1 million people with Medicare through 2012 received $5.7 billion in prescription
David Lyons Founding Director and Chief Executive Officer
The New Health Insurance Marketplace Changes Impacting Small Employers and the SHOP Opportunity David Lyons Founding Director and Chief Executive Officer CoOportunity Health 10/1/2013 1 Why the Change?
The New Health Law & Small Businesses
The New Health Law & Small Businesses October 2013 1 Goals of the New Health Law Affordable Care Act (ACA) Protect consumers against unfair insurance industry practices Give consumers more insurance options
Molina Marketplace. We have a plan to keep you healthy.
Molina Marketplace We have a plan to keep you healthy. Access. Quality. Commitment. With the new Health Insurance Marketplace, you have a choice. Molina Healthcare is the answer. Here is why you should
AMERICAN HEALTH BENEFIT EXCHANGES
AMERICAN HEALTH BENEFIT EXCHANGES As we have previously reported, beginning January 1, 2014, the GHLIT will stop offering AVMA members medical insurance. However, members and small employers will be able
List of Insurance Terms and Definitions for Uniform Translation
Term actuarial value Affordable Care Act allowed charge Definition The percentage of total average costs for covered benefits that a plan will cover. For example, if a plan has an actuarial value of 70%,
Review of Market Rules for the Commercial Market
Review of Market Rules for the Commercial Market What Makes up the Commercial Market? Individual Market Through MNSure and from carriers directly ( Off-Exchange ) Small Group Market Through MNSure s SHOP
The Affordable Care Act. What does it mean for you and how we advocate for it?
The Affordable Care Act What does it mean for you and how we advocate for it? Who are Young Invincibles? Agenda Overview of the ACA How does health insurance work? What s included in a health insurance
Fact Sheet. AARP Public Policy Institute. Health Reform Changes Insurance Rules
Fact Sheet Health Reform Changes Insurance Rules The Affordable Care Act (ACA) will greatly increase the availability of health insurance and broadly impact the delivery of health care in America. This
HealtH insurance 101
Health insurance 101 Know the facts. Knowing the facts can make all the difference when it comes to health insurance. To make the most of new choices, protections and financial help, you need good information.
Maryland s New Health Insurance Marketplace. What You Need To Know About Getting Health Coverage
Maryland s New Health Insurance Marketplace What You Need To Know About Getting Health Coverage Goals Today The Importance of Coverage What is Maryland Health Connection? New coverage options Qualified
The Affordable Care Act and People with Disabilities
The Affordable Care Act and People with Disabilities The Arc of Texas envisions a world where people with disabilities are included in their communities and neighborhoods and where quality supports and
The new solution for health insurance in Louisiana.
Louisiana Health cooperative The new solution for health insurance in Louisiana. Accessible health insurance options for individuals, families and small businesses. The health insurance plan that starts