The Affordable Care Act (ACA) requires everyone legally living in the U.S. to have health insurance. It gives millions of individuals with too little OR no insurance, access to health plans at different cost levels. The law provides financial assistance to those who qualify based on family size and income. Beginning November 15, 2014, you will be able to shop at an online Health Insurance Exchange Marketplace, also known as an “Exchange,” where you can one-stop-shop for a plan that fits your budget and coverage needs. We’re here to help you learn about the law and answer any questions you may have.
Coverage will include doctor visits, hospital stays, wellness care, prescriptions, emergency services, obstetrics and newborn care, pediatric care and more. In fact, Ten Essential Health Benefits must be covered in every plan and certain Preventive Care services will be provided at NO additional cost to patients. Also, patients cannot be turned away due to pre-existing conditions, as has been the case in the past.
If you do not have health insurance, the exchange provides an online individual shopping place for you and your family to enroll from November 15, 2014 to February 15, 2015. It is important to note if you want coverage to start January 1, 2015, you need to enroll by December 15, 2014. You can shop for plans by phone, through a broker, at on-site enrollment locations, or at the online Health Insurance Marketplace, where you can easily compare benefits and costs.
Questions about the Health Insurance Exchange? Saint Alphonsus is here to help.
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