Health Care is not a Democrat or Republican issue; even though some may want to believe that fact. It is a HUMAN issue and, I believe, it is a human right. So, this blog, AGAIN, will stress to you what you can do to insure that you have coverage:
Top 5 Things to Know Before You Enroll:
***You can’t be denied because you’re sick or have been sick;
***All plans cover prescriptions, doctor visits and hospital care;
***You can find a plan that fits your budget;
***If you don’t and you can afford to have health coverage, you may pay a penalty;
***You can get free help enrolling within your community
What’s It Cost?
The amount you pay for your insurance is based on your family income. If you are not working or your income is low, you won’t have to pay anything for your health insurance. You will be insured by Medical Assistance and your premium (what you pay each month) will be $0 for 2015.
If your income is higher, you can get help to pay for your premiums, based on your family income. The amount you have to pay for doctor’s visits and prescriptions is also based on your income. An assister can help you sign up to get help paying for insurance and to find a plan that works for you.
How to Apply…..
To Apply in person, contact: Pennsylvania Health Access Network at 877-570-3642 or InsurePA at 855-486-9331;
To apply over the phone: The Health Insurance Marketplace at 800-318-2596;
To apply online, go to: www.HealthCare.gov
Be A Smart Healthcare Consumer:
***Take care of yourself to prevent illness. Eat right, exercise regularly and mange stress in healthy ways;
***Schedule regular checkups and health tests to catch problems before they become more costly to treat;
***Have recommended vaccinations, especially an annual flu vaccine;
***Call ask-a-nurse or your doctor’s office for advice to see if you can treat a problem yourself before you make an appointment;
***Be well prepared for doctor’s visits. Write down questions in advance and take along a list of your current medications;
***Ask doctors for copies of your medical records and update them after each visit;
***Save on prescribed medications. Request samples from your doctor, buy generic versions, look into mail ordering and check your health plan for prescription savings programs;
***Buy store brands of over-the-counter medicines;
***Double-check with doctors or facilities to make sure they are ‘in-network’ on your health plan before using them;
***Understand your health plan’s benefits and costs so you can get the most out of the services and coverage it offers.
What You Should to Know about the Marketplace
***It’s an easier way to shop for health insurance; The Marketplace simplifies your search for health coverage by gathering the options available in your area in one place. With one application, you can compare plans, and explore any free or low-cost programs you may qualify for;
***Most people can get a break on costs; When you use the Health Insurance Marketplace, you may be able to get lower costs on your monthly premiums and out-of-pocket costs. When you fill out your Health Insurance Marketplace application, you’ll find out how much you can save. Most people who apply will qualify for some kind of savings;
***Gives you control over your options with clear, apples-to-apples comparisons; In the Marketplace, information about prices and benefits is written in simple language. You get a clear picture of what premiums you would pay and what benefits and protections you would get before you enroll. Compare plans based on what is important to you, and choose the combination of price and coverage that fits your needs and budget.
8 Things You Can do to Get Ready Now Before 11/15 Open Enrollment
***Explore current options; you may be able to get coverage now prior to Open Enrollment;
***Learn about different types of health coverage;
***Make a list of questions you have before it’s time to choose your health plan;
***Make sure you understand how insurance works, including things like premiums, deductibles, out-of-pocket maximums, co-payments and coinsurance;
***Gather basic information about your household income;
***Set your budget;
***Ask your employer if it plans to offer health insurance in 2015;
***Find out if your state is running its own Marketplace.
My next blog on Tuesday, November 11th (Veterans Day), will be for Small Businesses and the Health Care options available to them….