Health Insurance Coverage Information

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News

Do you need health insurance coverage? If so, you can enroll during the upcoming Health insurance Marketplace Open Enrollment period which starts November 1, 2015 and ends January 31, 2016.

Health insurance coverage is available to more individuals and families as a result of the Affordable Care Act of 2010 and through its Health Insurance Marketplace.

Key Features of the Affordable Care Act -

Coverage:

Ends Pre-Existing Condition Exclusions for Children: Health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition.
Keeps Young Adults Covered: If you are under 26, you may be eligible to be covered under your parent’s health plan.
Ends Arbitrary Withdrawals of Insurance Coverage: Insurers can no longer cancel your coverage just because you made an honest mistake.
Guarantees Your Right to Appeal: You now have the right to ask that your plan reconsider its denial of payment.

Costs:

Ends Lifetime Limits on Coverage: Lifetime limits on most benefits are banned for all new health insurance plans.
Reviews Premium Increases: Insurance companies must now publicly justify any unreasonable rate hikes.
Helps You Get the Most from Your Premium Dollars: Your premium dollars must be spent primarily on health care – not administrative costs.

Care:

Covers Preventive Care at No Cost to You: You may be eligible for recommended preventive health services. No copayment.
Protects Your Choice of Doctors: Choose the primary care doctor you want from your plan’s network.
Removes Insurance Company Barriers to Emergency Services: You can seek emergency care at a hospital outside of your health plan’s network.

Resources to help you learn more can be found at the following links:

www.healthcare.gov
https://marketplace.cms.gov
4 ways to get Marketplace Coverage
Get Covered: A One-page Guide to the Health Insurance Marketplace
No computer? You can still get Marketplace Coverage
Getting Help in the SHOP Marketplace
Young Adults Coverage Page
Protect Yourself from Fraud

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