Tag Archives: Affordable Care Act

Affordable Care Act

What you need to know about the new health care exchange and how Bon Secours can help.

Due to the passage of the health care law, The Affordable Care Act (ACA), you may now be able to afford insurance, even if you have never been able to before. This allows individuals and small businesses to purchase healthcare insurance. As of Jan. 1, 2014, all Americans are required to have health insurance and through www.healthcare.gov (the healthcare exchange marketplace), some may receive payment assistance, discounts or tax credits to help cover the costs of coverage.

A visit to www.healthcare.gov can help many uninsured Americans determine if they qualify for Affordable health coverage. The Healthcare Insurance Marketplace offers side by side comparisons of health insurance products and plans.  Most of which are available through private insurance companies.  With just one application, enrollment can be quick. Plus, Customer Service is available 24/7 for your convenience.

You must apply before March 31, 2014 to gain coverage for 2014. If not, you may have to pay a penalty. This penalty starts at $95 per individual in 2014 and can increase to thousands of dollars depending on your income and the size of your family. Through www.healthcare.gov, individuals will learn if they qualify for payment assistance and special discounts on deductibles, copays and co-insurance.

What Does Coverage Mean for Me?

Through www.healthcare.gov, all will have access to available elements of the ACA, including:

• No one can be denied coverage due to a pre-existing health condition or lose coverage because a family member becomes sick

• Insurance companies will be prohibited from charging women more than men for the same coverage

• All health insurance plans will cover services such as preventive care, infant care, mental health care, and substance abuse treatment

• No lifetime limits can be imposed on health insurance coverage

• Children will be allowed to stay on their parents’ health insurance plan until they reach the age of 26

 

Need Help With Medicaid?

You can apply for Medicaid at any time. Simply contact the Enrollment Assistance Partner from your state for help. (See grid below)

 

 

How Can Bon Secours Help?

For those who would rather not use a computer or do not have access to one, assistance in navigating the marketplace is available. Expert navigators are available to help you over the phone, online, or in person. These are not salespeople; they are here to help guide you through the marketplace and through the enrollment process.

Bon Secours is working with Enrollment Assistance Partners. They’re here to provide free assistance to anyone interested in reviewing the new health insurance options. For more information, please reference the below grid to contact an Enrollment Assistance Partner in your state. Additionally, patients/visitors at Bon Secours can speak to any registration employee to arrange for free assistance in finding out what options are available through the exchange. If you have questions or need help, we are ready to assist you.

Bon Secours Enrollment Assistance Partners

Your State of Residence

Enrollment Assistance Partner

Phone

Virginia

Advanced Patient Advocacy

877-714-1331

South Carolina

Chamberlin Edmunds

866-353-1899

New York

New Jersey

Pennsylvania

Cardon Outreach

877-420-9939

Maryland

Deco

888-327-2756

Kentucky

Ohio

West Virginia

MedAssist

800-736-2107

 

What if you miss March 31st open enrollment?

If you miss the open enrollment deadline, of March 31, 2014, you’ve likely missed your chance to buy coverage for the year. The next open enrollment period would start October 15, 2014 thru December 7, 2014 and this coverage would be effective for 2015.