Health Insurance Blog - Healthcare.gov

Get coverage now through the SHOP Marketplace

Healthcare.gov — Wed, 26 Nov 2014 00:00:00 -0500

For Employers

Getting health coverage for your small business for 2015 is easier than ever before. For the first time, you can use the SHOP Marketplace to enroll online for coverage that starts as early as January 2015. Learn more about how to enroll with this step-by-step guide.

Here are just a few benefits of buying coverage through the SHOP Marketplace.

Convenience: Find, compare, select and offer your employees coverage.
Choice: Choose among health plans at different coverage levels to find the one that’s right for you and your employees. In some states you can offer your employees a choice among all plans at the coverage level you choose.
Useful information and tools: Find out if you qualify for SHOP and what the small business health care tax credit might be worth to you. Then, find and compare plans before selecting one.
Access to tax credits: You may qualify for a tax credit worth as much as 50% of your contribution to employee premiums when you buy coverage through the SHOP Marketplace and meet other eligibility requirements.

If you offered a SHOP health plan to your employees in 2014, you’ll need to handle the renewal of your SHOP coverage offer online.

For Employees

New to the SHOP? If you get an offer of SHOP health insurance from your employer, you have options.
If you had SHOP coverage through your employer in 2014 and will be eligible to enroll in SHOP coverage through your employer in 2015, you can renew or change your coverage online.
If you have job-based health coverage that’s not from the SHOP Marketplace, you have different choices. Learn about your options if you have non-SHOP employer coverage.

Need help? You can contact a SHOP-registered agent or broker in your area or call 1-800-706-7893 (TTY: 711), Monday – Friday 9am – 7pm ET, and Saturday and Sunday from 9am to 5pm ET.

Step 3 to stay covered through the Marketplace: Compare health plans

Healthcare.gov — Fri, 21 Nov 2014 00:00:00 -0500

If you bought a health insurance plan through the Marketplace in 2014, you’ll need to decide whether to renew your current plan or change plans for 2015. To get started, check out the 5 Steps to Staying Covered.

It’s important to compare 2015 health plans to your current coverage (Step 3), because new and more affordable plans may be available this year.

You can preview 2015 plans and premiums before you fill out an application. You’ll see estimates of the premiums you’d pay based on your income.

Here are some things to consider as you compare plans:

Are there more affordable plans available this year?
What does the plan cover?
Are your current doctors in the plan’s network?
Will your prescriptions be covered?
What are the plan’s benefits?
What will your deductibles, copayments, and maximum out-of-pocket costs be?

Take action by December 15, 2014 to make sure you have the right coverage for your needs starting January 1.

If you have questions, call the Marketplace Call Center at 1-800-318-2596. TTY users should call 1-855-889-4325. You can also visit Localhelp.HealthCare.gov to find help in your area.

Never miss a deadline! Sign up for timely email or text message updates and connect with us on social media.

Tips for resetting your password and unlocking your account

Healthcare.gov — Wed, 19 Nov 2014 00:00:00 -0500

If you try to reset your password and don’t get an email from the Marketplace, you may be using the wrong username. To make sure you’re using the right username and to log back in, follow 2 steps:

Retrieve your username
Reset your password

Be sure you’re using the right username and retrieve it

If you created your Marketplace account before February 2014, your username probably isn’t your email address. Read the requirements for creating usernames. This may remind you of the username you created.
If you can’t remember your username, click on "Forgot your username?"
You’ll need to answer your 3 security questions correctly to recover your username.
- If you can’t remember the answers to your security questions, contact the Marketplace Call Center and ask them to unlock your account.
After you answer the questions correctly, you’ll get an email at the address you provided when you set up your account. (That may not be the email account you use regularly. If you don’t get an email, check your spam or email folder, or check any other email account you may have used.)
The email will tell you what your username is.
Use that username to log into your Marketplace account.
Now you can change your password.

Change your password

If you’ve forgotten your password or want to change it, click on “Forgot your password?” You’ll get an email at the address you provided when you set up your account. (That may not be the email account you use regularly. If you don’t get an email, check your spam or email folder, or check any other email account you may have used.)
Once you get the email, click the link in the email, follow the directions, and choose a new password. If that doesn’t work, cut and paste the link into your web browser.
Use your correct username and new password to log into your Marketplace account.

If these tips don’t work, contact the Marketplace Call Center. Customer service representatives can reset your password or unlock your account.

Get Marketplace coverage for 2015!

Healthcare.gov — Sat, 15 Nov 2014 00:00:00 -0500

Starting today, you can fill out or update a Marketplace application and enroll in a 2015 plan.

New to the Marketplace? You can preview plans and prices before you apply, fill out an application, and enroll in a 2015 plan that meets your needs and fits your budget.
Do you have a 2014 plan? Starting today, you can compare 2015 plans and prices to your current coverage, update your application, and enroll in a 2015 plan.

Here are some important things you can do to prepare:

Get a quick guide to the Marketplace
See the 5 Steps to staying covered in 2015
Find local help

Ready to get started?

If you have an existing Marketplace account, log in now. You can update your 2015 application with any income and household changes and keep or pick a new plan.
To start a new Marketplace account, visit this page choose your state, and we’ll show you your next steps.

Act by December 15 and your new or changed coverage can start as soon as January 1. Have questions about your options or filling out your application? Contact the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325).

Step 2 to stay covered through the Marketplace: Update your household and income information

Healthcare.gov — Wed, 12 Nov 2014 00:00:00 -0500

A lot can change in a year. If you already have health coverage through the Health Insurance Marketplace, it’s important to update your 2015 application after November 15 with any changes in your income, household, or personal information.

By updating your information, you’ll be sure to see all the 2015 plan choices you’re eligible for and get the right amount of savings. If you don’t update your income information, you could miss out on additional savings to lower your monthly premiums.

Here are some things to consider as you update your information after November 15:

Even a small change can affect the coverage you’re eligible for, and your premium tax credits and cost-sharing reductions. Make sure all of your information is up-to-date.
When you submit your 2015 application any time after November 15, check your eligibility results carefully. Even if none of your information changed, you might get different cost savings because of changes in the Marketplace.

Once you’ve updated your application, you’re on your way to staying covered for 2015. Come back starting November 15 and complete the rest of the 5 Steps to staying covered!

Never miss a deadline! Sign up for timely email or text message updates and connect with us on social media.

5 Things to know about Marketplace Open Enrollment

Healthcare.gov — Mon, 10 Nov 2014 00:00:00 -0500

Open Enrollment is the period when you can sign up for or renew a health plan through the Health Insurance Marketplace. Open Enrollment for 2015 coverage starts November 15, 2014 – just 5 days away.

Here are 5 important things to know:

2015 Open Enrollment lasts from November 15, 2014, to February 15, 2015.
You must enroll by December 15, 2014, if you want your coverage to start on January 1, 2015.
If you don’t enroll in a health plan by February 15, 2015, the only way you can get health insurance for 2015 through the Marketplace is if you qualify for a Special Enrollment Period. You may qualify if you have a qualifying life event such as marriage, birth or adoption of a child, or loss of other health coverage.
You can apply for Medicaid or the Children’s Health Insurance Program (CHIP) at any time of year. If you qualify, you can enroll immediately.
You can preview 2015 health plans and estimated prices before you apply.

Never miss a deadline! Sign up for timely email or text message updates and connect with us on social media.

Step 1 to stay covered through the Marketplace: Review your current health coverage

Healthcare.gov — Fri, 07 Nov 2014 00:00:00 -0500

If you already have health coverage through the Health Insurance Marketplace, it’s time to review your plan and decide if you want to make changes for 2015. You can choose to stay in your current plan (if it’s still offered) or change to a different plan.

Insurance companies can change a plan’s premiums, cost-sharing, and the benefits and services they cover each year. Every fall, your health insurance company sends you a notice explaining these changes. It’s important to review your plan’s 2015 health coverage to make sure it still meets your needs.

Here are a few things to remember as you review your plan:

Look for a letter in the mail this month from your health plan describing your plan changes.
Read the letter, and contact your health plan if you have questions.
Write down important dates and information from the letter, like enrollment deadlines and your 14-digit plan ID.
HealthCare.gov now has 2015 health insurance plans and prices available for preview, so you can see what other plans are available to you and compare to the coverage your current plan will offer.

Reviewing your current health coverage is just the first step. Learn how to take the rest of the 5 steps to staying covered starting November 15.

Never miss a deadline! Sign up for timely email or text message updates and connect with us on social media.

Marketplace Open Enrollment starts in 10 days

Healthcare.gov — Wed, 05 Nov 2014 00:00:00 -0500

Open Enrollment for 2015 coverage starts in just 10 days. Starting November 15, you can fill out or update a Marketplace application and enroll in a 2015 plan. Until then, here are 10 ways you can get ready:

Sign up to get timely email and text message reminders and important Marketplace information. We’ll let you know as soon as 2015 plans and prices are available.
Mark your calendar with these important dates.
New to the Marketplace? Here’s a quick guide to the most important things to know.
Use this application checklist to gather the documents you’ll need to apply when Open Enrollment begins on November 15.
Already have Marketplace coverage? Here are 5 Steps to follow to stay covered in 2015.
If you already have Marketplace coverage, determine if you’ll have any changes to your income or household in 2015. It’s important to report these changes so you’ll get the right coverage and savings you qualify for in 2015. Update your 2015 Marketplace application with this information starting November 15, 2014.
Check out our chart, which shows income ranges that qualify for savings on a Marketplace health plan or Medicaid.
If you think you may qualify for coverage through Medicaid and the Children’s Health Insurance Program (CHIP), you can apply for these programs any time. Learn 2 ways to apply by visiting our Medicaid page and choosing your state.
Learn about the fee you have to pay if you don’t have health coverage in 2015.
Want some help? Find someone in your community who can help with your application and answer your questions.

We’re getting ready for November 15

Healthcare.gov — Fri, 31 Oct 2014 00:00:00 -0400

Starting November 15, you’ll be able to apply and enroll in 2015 health coverage. To get our systems ready, parts of HealthCare.gov will be unavailable for certain periods while we make improvements and perform maintenance.

During these maintenance periods, you can still use HealthCare.gov to:

Get Ready for 2015 coverage
Learn how to Keep or Change Your Plan
Get Answers about health coverage

You may not be able to access areas of the site where you need to log in first, like:

Applying for Marketplace coverage
Uploading documents or updating your income or household information
Enrolling in or changing your plan

If you’re applying for 2014 coverage with a Special Enrollment Period, you can learn more about the process here. Then return to the site after the maintenance period to work on your application and enroll in a plan.

Thanks for your patience. The HealthCare.gov team is working hard to serve you better every day.

5 Steps to stay covered through the Marketplace in 2015

Healthcare.gov — Tue, 21 Oct 2014 00:00:00 -0400

Did you know that if you bought a health insurance plan through the Health Insurance Marketplace in 2014, you can renew your current plan or enroll in a different plan for 2015? There may be new, more affordable health care plans available to you that weren’t an option last year, or you may find another plan that better fits your needs.

This fall, you’ll get two important 2015 health care plan notices about your health coverage. One will come from your health insurance company to explain any changes to premiums and benefits for the coming year. Another will come from the Marketplace with important deadlines and information about Open Enrollment, which starts on November 15, 2014. These notices help you understand your choices for 2015.

To stay covered through the Marketplace for 2015, you’ll need to follow 5 Steps during Open Enrollment:

Review your current plan’s 2015 health coverage and costs.
Update your Marketplace application, starting November 15.
Compare the health plans available to you in 2015.
Choose the plan that best meets your needs.
Enroll in the health plan you want for 2015 coverage, by December 15, 2014.

Over the next few weeks, we’ll talk more about each step and give you important tips for completing them. You’ll need to complete all 5 Steps to staying covered in the Health Insurance Marketplace (PDF) to finish enrolling in a health plan, even if you want to stay in the same plan. This is important to get the coverage you want and the most cost savings that you’re eligible for. Never miss a deadline! Sign up for timely email or text message updates and connect with us on social media.

How much is your Small Business Health Care Tax Credit worth?

Healthcare.gov — Fri, 10 Oct 2014 00:00:00 -0400

When you buy health coverage for your employees through the Small Business Health Options Program (SHOP) Marketplace, you may qualify for a tax credit worth up to 50% of your premium contributions.

Two new tools are now available in Spanish on CuidadoDeSalud.gov to make it easier for small employers to understand and take full advantage of the benefits available from the SHOP.

The new Full-Time Equivalent (FTE) Calculator helps small employers determine if they’re eligible to buy SHOP coverage for their employees, while the new SHOP Tax Credit Estimator lets small employers learn the size of the tax credit they could get for contributing to coverage for their employees through the SHOP.

Here are some key things you should know about the tax credit and applying for SHOP:

Employers with fewer than 25 full-time equivalent employees may be eligible for the Small Business Health Care Tax Credit, worth up to 50% of employer premiums contributions, if their employees make an average of $50,000 a year or less.
The tax credit will be available to eligible employers for two consecutive taxable years.
The tax credit may be available to eligible tax-exempt employers who could receive up to 35% of employer premium contributions, and can access the credit as a refund.
Generally, the Small Business Health Care Tax Credit is available for eligible employers purchasing SHOP health plans.
Visit IRS.gov for the most up to date information and guidance on claiming this tax credit.
Even if you’re a small employer who does not qualify for a small business tax credit, you may still purchase coverage through SHOP.

Apply for SHOP coverage any time, all year

SHOP is open to employers with 50 or fewer full-time-equivalent employees (FTEs) and enrollment is open year- round.

If your state runs its own SHOP, visit your state Marketplace for information on how to calculate FTEs.

Choose your state and we’ll help you get started. If you have questions about the SHOP Marketplace call 1-800-706-7893 (TTY: 711), Monday through Friday, 9 a.m. to 7 p.m. ET. Agents and brokers may also use this number.

Get ready to enroll in Marketplace coverage

Healthcare.gov — Fri, 03 Oct 2014 00:00:00 -0400

Starting November 15th, you’ll be able to apply and enroll in 2015 Marketplace coverage. When you fill out a Marketplace application, you can compare plans based on price, benefits, and other important features. You’ll also find out if you qualify for free or low-cost coverage through Medicaid and the Children’s Health Insurance Program (CHIP).

If you’re eligible, the Health Insurance Marketplace can help you find affordable health coverage. Most people who apply qualify for premium tax credits and other savings based on their income.

If you already have 2014 Marketplace coverage, you’ll be receiving important information about how to keep your coverage for 2015.

Here are some things you can do now to get ready for November 15th:

Get ready to enroll in SHOP coverage

Healthcare.gov — Thu, 02 Oct 2014 00:00:00 -0400

The Small Business Health Options Program (SHOP) offers a simpler way to find and buy health coverage that meets the needs of your employees—and your business.

To enroll in SHOP coverage, you must have 50 or fewer full-time equivalent (FTE) employees and meet certain other requirements.

Starting November 15, for the first time you’ll be able to enroll through the SHOP Marketplace entirely online. You can complete an application, choose coverage, and enroll yourself or you can work with an agent or broker.

Here are some things you can do now to get ready to enroll in the SHOP Marketplace:

Learn more about SHOP coverage and talk to your employees to find out their coverage needs.
Use the SHOP Full-time Equivalent Employee Calculator to see if you qualify based on your employee count.
Use the SHOP Tax Credit Estimator Tool to find out if you may be eligible for a tax credit and how much the credit could be worth to you.
See 2014 plans and premium estimates now.

Scheduled downtime to improve HealthCare.gov

Healthcare.gov — Thu, 25 Sep 2014 00:00:00 -0400

We’re doing maintenance and upgrades to improve the site during certain time periods. The HealthCare.gov website itself is still available. This means you can learn about the Marketplace and be well prepared when the system is available again.

Here are some things you won’t be able to do during a maintenance period:

Create an account or log in to your existing account
Apply for Marketplace coverage
Upload documents or update your income or household information
Enroll in or change your plan

Thanks for your patience. Our team is working hard to improve HealthCare.gov and provide the best service possible.

14 facts about the Health Insurance Marketplace

Healthcare.gov — Wed, 24 Sep 2014 00:00:00 -0400

The Health Insurance Marketplace makes it easier to find quality, affordable coverage. Millions of Americans have already gotten coverage, many for the first time.

Here are 14 things you should know about the Marketplace:

No matter what state you live in, you can use the Marketplace. Some states operate their own Marketplace, and in other states the Marketplace is run by the federal government. You can sign up for 2015 Marketplace coverage as soon as November 15, 2014.
Health insurance plans offered through the Marketplace are run by private companies.
Every health plan in the Marketplace offers the same set of essential health benefits, including doctor visits, preventive care, hospitalization, prescriptions, and more.
You can compare your options in the Marketplace and see what your premium, deductibles, and out-of-pocket costs will be before you make a decision to enroll.
After you fill out a Marketplace application you’ll learn if you’re eligible for lower costs on your monthly premiums. Most people who apply for health coverage through the Marketplace will qualify for some kind of savings.
You can apply for Medicaid or the Children’s Health Insurance Program (CHIP) through the Marketplace any time of year. These programs provide free or low-cost coverage to millions of Americans with limited incomes, disabilities, and certain family situations.
If you qualify for a Special Enrollment Period, you may apply for health coverage through the Marketplace outside the Open Enrollment Period.
Insurance plans offered through the Marketplace can’t deny you coverage because of pre-existing conditions like cancer or diabetes, and they can’t charge women and men different premiums.
In the Marketplace, you generally can get dental coverage as part of a health plan or by itself through a separate, stand-alone dental plan.
You must report certain qualifying life changes to the Marketplace, such as if you get married or divorced, have a child or adopt a child, or have a change in your income. After you report life changes to the Marketplace, you’ll get a new eligibility notice that will explain if you qualify for a Special Enrollment Period and lower costs.
Members of federally recognized tribes and Alaska Natives can enroll in Marketplace coverage any time of year, and they can change plans as often as once a month.
If you have an income-generating business with no employees, you’re considered self-employed and can get coverage through the Marketplace.
Even if you have access to a student health plan, you can choose to buy a health plan through the Marketplace instead. You may qualify for lower costs based on your income.
If you don’t agree with a decision the Health Insurance Marketplace makes, like whether you’re eligible to buy a plan or whether you’re eligible for lower costs based on your income, you may be able to appeal the decision.

What to do after your doctor visit

Healthcare.gov — Mon, 22 Sep 2014 00:00:00 -0400

Now that you’ve found a doctor and had your first visit, you may be wondering what to do next. It’s important to follow through with your doctor’s recommendations.

For example, if your doctor told you to go to a specialist, call for an appointment. Even if you see a specialist for a specific service or condition, you’ll always come back to your primary care doctor.

Here are some tips to help you get the care you need:

Ask your doctor’s office to notify you when your next visit or recommended health screenings should happen.
Put an appointment reminder on your calendar or use a smartphone app.
Don’t be too busy to go to your appointment. Remember to put your health first.
If you have questions or concerns between visits, call your doctor’s office. They can help answer your questions and adjust any medications you’re taking.
If you’re worried you can’t afford care, ask your doctor about ways to lower the cost of medication and services.
Don’t be scared. By getting the preventive care that is right for you, your doctor is more likely to find an illness or problem early and help you get better faster.
If the way your doctor or office staff spoke or acted made you not want to return or listen to them, speak up or consider changing doctors.

Watch the video: "The Day After" - from Coverage to Care

Watch the video: "The Final Word" - from Coverage to Care

Print your own booklet: Step 8 – Next Steps After Your Appointment

Sample Explanation of Benefits

Act by September 30 to submit proof of income documents!

Healthcare.gov — Mon, 15 Sep 2014 00:00:00 -0400

When you applied for Marketplace coverage, you might have reported a lower household income than we could verify in our data sources. If so, it's important that you submit your proof of income documents to the Marketplace to fix this data matching issue. We need to verify your income so you can keep any help you get with Marketplace premiums and cost-sharing.

You must submit your documents by September 30th:

Time is running out. You may get a letter this week telling you that if you don't submit your documents by September 30, 2014, your help with Marketplace costs like your monthly premiums, deductible, copayments, or coinsurance may change or end.

Remember, here's what you can do to submit your documents:

Log in to your Marketplace account and then select your current application. Use the menu on the left side of your screen to click on Application Details. On the next screen, you’ll see a list of any data matching issues (called “inconsistencies” on the screen) in your application. Follow the steps for each inconsistency to upload the documents needed to fix the issue. Don’t use the following characters in the name of the file that you upload: / \ : * ? " < > |.
Learn more about the documents we need and how to upload or send them.
Contact one of our partners in your community to get one-on-one help. They can help you figure out what documents you need and help you upload them. Visit Find Local Help to get started.

If you’ve already mailed or uploaded documents, we'll let you know as soon as we've finished reviewing them – it's possible that we're still matching your information. If you receive a letter from us requesting documents, but think you’ve already submitted them, or have questions, we're here to help. Call the Marketplace Call Center at 1-800-318-2596 and tell them you got a data matching warning notice. TTY users should call 1-855-889-4325.

We know how important it is for you and your family to keep your help with Marketplace costs, and it's important to us too. We'll continue working with you to make sure we have everything we need to resolve these issues.

Key dates for the Health Insurance Marketplace

Healthcare.gov — Thu, 11 Sep 2014 00:00:00 -0400

Are you ready for the next Health Insurance Marketplace Open Enrollment Period? Open Enrollment is the time when you can apply for a new Marketplace plan, keep your current plan, or pick a new one.

4 key dates you should know:

November 15, 2014. Open Enrollment begins. Apply for, keep, or change your coverage.
December 15, 2014. Enroll by the 15th if you want new coverage that begins on January 1, 2015. If your plan is changing or you want to change plans, enroll by the 15th to avoid a lapse in coverage.
December 31, 2014. Coverage ends for 2014 plans. Coverage for 2015 plans can start as soon as January 1st.
February 15, 2015. This is the last day you can apply for 2015 coverage before the end of Open Enrollment.

To buy Marketplace insurance outside of Open Enrollment, you must qualify for a Special Enrollment Period due to a qualifying life event like marriage, birth or adoption of a child, or loss of other health coverage.

Learn more about your options and coverage start dates.

Deciding what doctor is right for you

Healthcare.gov — Tue, 09 Sep 2014 00:00:00 -0400

Your health and well-being are important and personal. You should choose a doctor or other health care provider that you can work with, trust, and feel comfortable talking to.

Here are 5 things to think about after your first visit with your doctor:

Did you feel the doctor cared about your health and about you as a person?
Did you feel you were listened to and your needs were acknowledged and addressed?
Did the doctor use words you could understand and speak talk to you in a way that made you feel comfortable?
Was he or she respectful of your opinions, culture, and beliefs?
Did you feel like you could ask questions at the appointment or call the doctor later with questions?

If you answered “Yes” to these questions, you may have found a doctor that’s right for you. If you answered “No” to any of these questions, ask yourself if you think the doctor would make changes if you spoke up. Sometimes, that’s the best way to get what you are looking for.

Choosing the right doctor is one of the most important decisions you’ll make about your health care, and finding the right one can take a little work. Be patient as you try to find a doctor you can trust and partner with to live a long, healthy life!

Watch the video: "Like or Dislike" - from Coverage to Care

Print your own booklet: Step 7 – Decide If The Provider Is Right For You

Having a major life change? You may qualify for a Special Enrollment Period

Healthcare.gov — Fri, 05 Sep 2014 00:00:00 -0400

Thinking about moving, getting married or having a baby? When you make big decisions in life, you may also become eligible for Marketplace coverage outside of Open Enrollment through a Special Enrollment Period.

Use our screener now to find out if you qualify for a Special Enrollment Period.

If you qualify for a Special Enrollment Period to change plans or enroll for the first time, you’ll have 60 days from the life event to enroll. After you report life changes to the Marketplace, you’ll get a new eligibility notice that will explain if you qualify for a Special Enrollment Period and lower costs.

Learn more about reporting life changes and applying with a Special Enrollment Period.

Tips for your first visit to a new provider

Healthcare.gov — Thu, 04 Sep 2014 00:00:00 -0400

On your first visit to a new provider, remember to bring your insurance card, photo ID, and your copay if you have one. It’s also important to show up early for your appointment!

This first visit will help your provider understand your health and lifestyle so you can work together to make improvements.

Here are some more tips:

It’s helpful to share your family health history and medical records with your new provider.
Tell your provider about any medications you are taking and the dose.
Ask about any questions or concerns you have about your health – write them down so you don’t forget to ask.
If your provider says something you don’t understand, speak up and ask questions!
Before you end your first visit, your provider should be able to tell you how your health is and what you can do to stay healthy.
If you need to take medicine, your provider should be able to tell you when and how much to take, if there are any side effects, and if a generic version is available.
If you have an illness or chronic condition, your provider can tell you about your treatment options.

Watch the video: "Almost Ready" - from Coverage to Care

Watch the video: "My First Visit" - from Coverage to Care

Print your own booklet: Step 6 – Be Prepared For Your Visit

Help your kids start the school year strong with health coverage

Healthcare.gov — Fri, 22 Aug 2014 00:00:00 -0400

Help your kids start the new school year strong by making sure they get the health coverage they need. With Medicaid and the Children’s Health Insurance Program (CHIP), they can get check-ups, immunizations, eye exams, and other care they need to participate in classroom and after-school activities.

These programs offer free or low-cost health coverage for kids and teens up to age 19. And parents may be eligible for Medicaid too.

Apply any time of year

You can apply for and enroll in Medicaid or CHIP any time of year. If you qualify, your coverage can begin immediately. Enroll now. Why wait?

Use our screener to find out if you or your kids qualify for Medicaid and CHIP.

Making an appointment

Healthcare.gov — Thu, 21 Aug 2014 00:00:00 -0400

When you make your appointment, it’s important that you have your insurance card or other documentation available, in case you’re asked to provide insurance information.

Here are 5 things you should do when you call to make an appointment:

Let them know if you’re a new patient. You may have to wait a few weeks to get an appointment, especially if you’re a new patient. If you call your provider’s office because you’re sick, you may be able to see them the same day.
Tell them the reason for your visit. You might be looking for a new primary care provider or you might need to come in because you have a specific concern, like the flu, allergies, or depression.
Give them the name of your health insurance plan. If you have Medicaid or CHIP coverage – let them know.
Find out if you need to bring anything to the visit, like medical records or current medications.
It’s important to know the name of the provider you’d like to see. You may have to wait longer for an appointment if you request a specific provider, so they might recommend another provider in your network who has availability if you’re feeling sick and need to come in sooner.

Watch the video: "Making an Appointment" - from Coverage to Care

Print your own booklet: Step 5 – Make an appointment

Still need to send documents to the Marketplace? If you get a letter this week, time is running out.

Healthcare.gov — Tue, 12 Aug 2014 00:00:00 -0400

We’ve been reaching out to some of you by mail, email, and phone if some information you gave us on your Health Insurance Marketplace application doesn’t match the data we have on file. It’s important that you submit the documents we need so we can help you stay covered through the Marketplace and keep any help you get with premiums and cost-sharing.

We know you’re listening because we’re getting thousands of documents every day and are working around the clock to review these documents to confirm you are eligible for Marketplace coverage. If you’ve mailed or uploaded documents already, we’ll let you know as soon as we’ve finished reviewing them.

If you’ve been getting reminder calls, letters and emails from us, but still haven’t submitted the documents we are asking for, now is the time. Beginning this week, some of you will get a warning notice in the mail telling you that September 5, 2014 is your last deadline to submit these documents.

If you don’t respond:

You are at risk of losing your Marketplace health insurance
Your premium tax credits or help with cost-sharing may be changing or ending

If you don’t act now, we will send you a final notice in September telling you that your last day of Marketplace coverage will be September 30.

Here’s what you can do now to make sure you stay covered:

Look at your Marketplace eligibility notice or reminder notice to see who needs to provide more information and to review the list of documents we need.
Log in to your Marketplace account and then select your current application. Use the menu on the left side of your screen to click on Application Details. On the next screen, you’ll see a list of any data matching issues (called “inconsistencies” on the screen) in your application. Follow the steps for each inconsistency to upload the documents needed to fix the issue.
Don’t use the following characters in the name of the file that you upload: / \ : * ? “ < > |.
Get detailed instructions on how to upload documents.

If you received a letter from us, but think you’ve already submitted your documents, or have questions, we’re here to help. Call the Marketplace Call Center at 1-800-318-2596 and tell them you got a data matching warning notice. TTY users should call 1-855-889-4325. The call is free.

You also can contact one of our partners in your community to get one-on-one help. They can help you figure out what documents you need and help you upload them onto the website. To find one of these local partners, visit Find Local Help.

If you’ve already submitted your documents and you get another email or call from us or your insurance company after that – it’s possible that we’re still matching your information. We’ll let you know once we have processed your information.

We know how important it is for you and your family to stay covered in the Marketplace, and it’s important to us too. We’ll continue working with you to make sure we have everything we need to resolve these issues.

Finding a provider

Healthcare.gov — Mon, 11 Aug 2014 00:00:00 -0400

Choosing the right provider is one of the most important decisions you’ll make about your health care. We can help you find the right one.

Remember, you’re looking for a provider you can trust and work with to improve your health and well-being, so take time to think about what you need. Depending on how complicated your health care needs are, you may need to see more than one type of provider.

Primary Care Providers: You’ll see a primary care provider first for most health issues. They’ll work with you to get your recommended screenings, help you manage chronic conditions, and refer you to other types of providers if you need them. Your primary care provider may be called a family physician or doctor, internist, general practitioner, nurse practitioner, or physician’s assistant. Your child or teenager’s provider may be called a pediatrician.

Specialists: You’ll see a specialist for certain services or to treat specific conditions. Specialists include cardiologists, oncologists, psychologists, allergists, podiatrists, and orthopedists. You may need a referral from your primary care provider before you go to a specialist in order for your health plan to pay for your visit.

Here are some tips for finding a provider where you live:

If you already have a provider you like and want to keep working with, call their office and ask if they accept your coverage.
Call your insurance company or state Medicaid and CHIP program. Look at their website or check your member handbook to find providers in your network who take your health coverage.
Ask your friends or family if they have providers they like and use these tools to compare health care providers in your area.

Watch the video: "Finding a Provider" - from Coverage to Care

Print your own booklet: Step 4 – Pick a Provider

Breathe easier with Medicaid and CHIP coverage

Healthcare.gov — Tue, 05 Aug 2014 00:00:00 -0400

Your kids can get the care they need for allergies, asthma, or just a common cold. And you can breathe easier knowing that coverage is just a click or phone call away.

Medicaid and the Children’s Health Insurance Program (CHIP) offer free or low-cost health coverage for kids and teens up to age 19. Parents may be eligible for Medicaid too.

These programs cover routine check-ups, immunizations, doctor visits, lab services, prescriptions, dental and vision care for kids, hospital care, and emergency services.

Apply any time of year

You can apply for and enroll in Medicaid or CHIP any time of year. If you qualify, your coverage can begin immediately. Enroll now. Why wait?

Use our screener to find out if you may qualify for Medicaid and CHIP.

Knowing where to go for care

Healthcare.gov — Mon, 04 Aug 2014 00:00:00 -0400

It’s important that you know where to go for medical care when you need it. There are some big differences between visits to your primary care provider and visits to the emergency room, such as cost, time spent waiting for care, and follow up.

Getting regular medical care: Primary care providers work with you to ensure that you get the right preventive services, manage your chronic conditions, and improve your health. Before you go to the doctor’s office, clinic, or health center, visit your health plan’s website and check their provider directory online. You can also call your insurer directly with questions or call a provider to see if they accept your health plan.

Getting emergency care: In an emergency, you should get care from the closest hospital that can help you. Insurers can’t require you to get prior approval before getting emergency room services from a provider or hospital outside your plan’s network. Your insurance company can't charge you more for getting emergency room services at an out-of-network hospital.

Watch the video: "Where to Go for Care" - from Coverage to Care

Print your own booklet: Step 3 – Know Where to Go for Care

Differences Between Your Provider’s Office and the Emergency Department

4 ways young adults can get covered this summer

Healthcare.gov — Tue, 29 Jul 2014 00:00:00 -0400

Young adults have several options for getting covered through the Health Insurance Marketplace.

1. Apply during a Special Enrollment Period

You may qualify for a Special Enrollment Period and not even know it. Did you recently get married, have a baby, adopt a child, or move? Did your student health plan just expire? If so, you may be able to get Marketplace coverage outside of Open Enrollment.

2. Apply for Medicaid and CHIP any time

You can enroll in Medicaid and the Children’s Health Insurance Program (CHIP) any time of year. If you qualify, you can enroll right away.

3. Get covered on a parent's plan

You may be able to get covered under a parent’s health insurance plan until you turn 26. This is true even if you're married, not living at home, or not financially dependent on your parents. If you turn 26 and age off of a parent's plan, you qualify for a Special Enrollment Period.

4. Consider catastrophic health coverage

Protect yourself from the high costs of worst-case scenarios like accidents or serious illnesses. If you’re under 30, you can buy a catastrophic health plan that covers 3 primary care visits per year. Catastrophic plans cover these services and free preventive care before you meet your deductible.

Understanding your health coverage

Healthcare.gov — Fri, 25 Jul 2014 00:00:00 -0400

Health coverage pays for provider services, medications, hospital care, and special equipment when you’re sick. It’s also important when you’re not sick. Marketplace coverage includes preventive health services like immunizations for children and adults, annual doctor visits for women and seniors, screening and counseling for people of all ages, and more. The best news – it’s free.

Here are 4 things to know about your health coverage:

All Marketplace health plans must provide you with a Summary of Benefits and Coverage, which includes coverage examples showing how the plan might help pay for services.
The actual costs and care will vary by your health care needs and your coverage.
You can use our glossary to understand key terms like copayment, deductible, network, and premium.
If you have questions about your coverage, you can contact your health plan, state Medicaid program, or Children's Health Insurance Program (CHIP) to get more information.

See why it's so important to have health coverage and share what you learn with your family and friends.

Watch the video: "Understand the Plan" - from Coverage to Care

Watch the video: "Words to Know" - from Coverage to Care

Print your own booklet: Step 2 – Understand Your Health Coverage

Sample Insurance Card

7 things to know about reporting a life change

Healthcare.gov — Tue, 22 Jul 2014 00:00:00 -0400

Once you have Marketplace coverage, it’s important to report life changes. This information may change the coverage or savings you’re eligible for. Here are 7 things to know about reporting life changes:

It’s important to report life changes to the Marketplace right away. If you qualify for a Special Enrollment Period to change plans, you have 60 days from the life event to enroll. If the changes qualify you for more or less savings, make adjustments as soon as possible.
You should report the following changes to the Marketplace:
- Changes in income or other changes that affect your household size.
- Marriage or divorce, pregnancy, having a child, adoption/placing a child for adoption, gaining/losing a dependent, or moving.
- Getting health coverage through a job or a program like Medicare or Medicaid.
- See the full list of life changes to report.
You can report changes online. Just log in to your account. Select your application, then select “Report a life change” from the menu on the left. You can also report changes by phone. Contact the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325). Don’t report these changes by mail.
Some life changes can affect the premium tax credit you may be eligible for. Visit the IRS website to learn more.
After you report changes, you’ll get a new eligibility notice that will explain whether you qualify for a Special Enrollment Period and whether you’re eligible for lower costs based on your new information.
If you’re eligible for a Special Enrollment Period, you’ll be able to shop for a different plan in the Marketplace online. Just log in to your account and select your application. Then select "Eligibility and Appeals" from the menu on the left. Next, scroll down and click the green "Continue to enrollment" button. You can also contact the Marketplace Call Center to change plans by phone.
If you’re not eligible for a Special Enrollment Period but the tax credit you qualify for has changed - you can’t change plans. But you can choose to adjust the amount of the tax credit to apply to your monthly premiums.

Putting your health first

Healthcare.gov — Thu, 17 Jul 2014 00:00:00 -0400

While Marketplace health coverage is important, there’s no substitute for living a healthy lifestyle. Staying healthy increases the chances you’ll be there for your family and friends for many years to come. Use your Marketplace health coverage when you are sick and when you are well, to help you live a long and healthy life.

Here’s what you can do to put your health and well-being first:

Take an active role in your health.
Make time for physical activity, healthy eating, relaxation, and sleep.
Maintain a healthy lifestyle at home, at work, and in your community.
Get your recommended health screenings and manage chronic conditions.

Why is prevention important?

Getting recommended preventive services and making healthy lifestyle choices are key steps to good health and well-being. All Marketplace plans must cover a set of preventive services like shots and screening tests at no cost to you.

Preventive health services include screenings, check-ups, and patient counseling. You can use these services to prevent illnesses, disease, and other health problems. You can also use preventive health services to detect illness at an early stage when treatment is likely to work best.

Read the Roadmap to Better Care and a Healthier You for more tips and share what you learn with your family and friends.

Watch the video: "My New Health Plan" - from Coverage to Care

Print your own booklet: Step 1 – Put Your Health First

Coverage options if you lose your job

Healthcare.gov — Fri, 11 Jul 2014 00:00:00 -0400

If you lose your job and are no longer covered through your employer, you may be able to find affordable health coverage in the Marketplace.

Use our screener now to find out if you qualify for a Special Enrollment Period.

Here are some important things to know about job loss and health coverage:

Marketplace health coverage. If you lose your job-based insurance for any reason, you can buy a private health insurance plan in the Marketplace. This is true even if you leave your job outside of Open Enrollment. When you apply for Marketplace coverage, you’ll also learn if you qualify for Medicaid or the Children’s Health Insurance Program (CHIP).
What Marketplace plans cover. Plans cover essential health benefits, pre-existing conditions, and preventive care. Most people who apply will qualify for lower costs. You can preview plans with prices based on your income and household size.
COBRA coverage. If you have COBRA coverage you can keep it. In some cases, you can buy Marketplace coverage instead. If COBRA ends outside of Open Enrollment, you qualify for a Special Enrollment Period.
Other situations. Learn about your options if you're unemployed, self-employed, or a part-time worker.

If you have questions about your options, contact the Call Center at 1-800-318-2596 (TTY: 1-855-889-4325). We’re available 24 hours a day and 7 days a week to help you.

The Marketplace might need more information from you

Healthcare.gov — Thu, 10 Jul 2014 00:00:00 -0400

While most people provided all the data they needed on their applications, some consumers were asked for follow-up when they applied for Marketplace coverage. If we asked you for information to back up what you put on your application, we need your help. Sometimes the information in your application doesn’t match what we found in other records. You were still able to finish the enrollment process, but you need to follow up as soon as possible and provide more documents to make sure the Marketplace has the correct information.

7 things to know if the Marketplace asks you for more information

The Marketplace has mailed or e-mailed you to ask for additional information so that we can work to resolve the issue and update your Marketplace eligibility. If you haven’t responded, we’ll also send you a reminder.
You must take action to upload or mail in documents. It is possible your tax credit or coverage could depend on it. Uploading documents is the fastest way to get your documents to us. This can be done through your account on HealthCare.gov.
The notice you got describes exactly what information the Marketplace needs from you. Log in to your Marketplace account on HealthCare.gov to upload the documents – here’s how. Once you’re logged in, select your current application and then use the menu on the left side of your screen to click on Application Details. On the next screen, you’ll see a list of any inconsistencies in your application. Follow the steps for each inconsistency to upload the documents needed to fix the issue. If your application has more than one inconsistency or more than one person has inconsistencies, work through the steps to upload documents for each one. This is the fastest way to get your documents processed. Note: Please do not use the following characters in the name of the file that you upload: / \ : * ? “ < > |.
If you choose to mail in documents, be sure to include the page from the notice the Marketplace mailed to you that includes a barcode unique to you and your situation. This page lets us easily match your mailed documents with your Marketplace application.
While we’re working to review your documents, you’ll get to keep the Marketplace coverage you currently have.
If you’ve uploaded or mailed in documents, but the Marketplace hasn’t sent you a notice telling you the result or status of your issue, we’re still processing your information.
If the deadline listed on your notice for submitting documents is very soon or has already passed, you should still submit documents.

See a list of documents that you can upload or mail us when we ask for more information. If you have questions, you should call the Marketplace Call Center at 1-800-318-2596.

Remember, it’s important to provide the additional information we requested so that we can make sure you keep the Marketplace coverage that you already have, along with any tax credits and cost-sharing reductions that you’re receiving now. The Marketplace will let you know when your information has been verified and your issue has been resolved. If you don’t send the needed documents, you risk losing your Marketplace coverage or help you may be receiving to pay for such coverage. We owe it to you and to taxpayers to double check this information. So help us complete this task and check this off your “to do” list today.

Health care basics for small businesses

Healthcare.gov — Mon, 07 Jul 2014 00:00:00 -0400

Health care continues to be an important issue for small business owners. The Small Business Administration, Department of Health and Human Services, and Small Business Majority are committed to helping businesses navigate the changes and opportunities in health care through the Affordable Care Act 101 webinar series.

Small business owners can learn the basics of the Affordable Care Act and how they can enroll in the SHOP Marketplace. Other topics discussed include insurance reforms, the small business health care tax credit, and employer shared responsibility provisions. SBA, HHS, and SBM representatives help small business owners understand the facts of the Affordable Care Act so they can make informed decisions about providing health insurance for their employees.

Register: The Affordable Care Act 101 in English takes place every Thursday at 2 pm ET/11 am PT.

The Affordable Care Act 101 in Spanish takes place every other Tuesday at 4 pm ET/1 pm PT. Use the registration links below to sign up for upcoming presentations this summer.

We’re making it easy for you to keep your Marketplace coverage next year

Healthcare.gov — Mon, 30 Jun 2014 00:00:00 -0400

We’re working hard to make it easy for you to keep your current Marketplace coverage when your health plan comes up for renewal.

Here are 7 things to know about renewal and auto-enrollment:

All 2014 Marketplace health plans will come up for renewal in 2015. Open Enrollment for 2015 health coverage through the Marketplace begins November 15, 2014.
Your insurance company will send you information this Fall about updated premiums and benefits.
Review your plan’s 2015 changes to see if it still meets your needs. Call or visit the plan’s website to make sure your doctor and other health care providers will be in the plan network next year. Also make sure any prescriptions you take will be covered.
If you’re happy with your current plan and want to keep it--and your income or household size haven’t changed - you don’t need to do anything. The Marketplace will auto-enroll you in the same plan for 2015.
If your income or household size have changed, you’ll need to report that to the Marketplace so you get the right premium tax credit. If you don’t update this information, you’ll get the same premium tax credit you got in 2014. If your income has gone up or your household size changes and you don’t report these changes to the Marketplace, you may owe money at the end of 2015 when you file your tax return.
If you want to change plans, you can:
- Choose any other Marketplace health plan your company offers in your service area if you want to stay with your current insurance company.
- Choose a new health plan from a different insurance company through the Marketplace.
- Buy a new private health plan outside of the Marketplace. If you do this, you won’t be eligible for premium tax credits and cost-sharing reductions offered through the Marketplace.
In some cases, your current Marketplace plan won’t be offered in 2015. If that’s the case, we’ll automatically enroll you in a similar plan so you don’t have a gap in health coverage, unless you choose another plan and enroll. Because your plan is ending, you’ll qualify for a Special Enrollment Period that lets you enroll in an individual plan outside the Open Enrollment period.

10 things immigrant families need to know about the Marketplace

Healthcare.gov — Thu, 26 Jun 2014 00:00:00 -0400

Affordable coverage options are available in the Health Insurance Marketplace for immigrant families. If you’ve recently moved to the United States and had a change in your immigration status, here are some things you should know about Marketplace coverage:

In order to buy private health insurance through the Marketplace, you must be a U.S. citizen or be lawfully present in the United States. See a list of immigration statuses that qualify for Marketplace coverage.
If you recently gained U.S. citizenship or had a change in your immigration status, you may qualify for a Special Enrollment Period. See if you can enroll in a Marketplace health plan outside Open Enrollment.
If you’re a lawfully present immigrant, you can buy private health insurance in the Marketplace. You may be eligible for lower costs on monthly premiums and lower out-of-pocket costs based on your income. If you make less than $11,490 ($23,550 for a family of 4) and you aren’t eligible for Medicaid, you may still qualify for lower costs on coverage.
If you’re a “qualified non-citizen” and meet your state’s income eligibility rules, you’re generally eligible for Medicaid and Children’s Health Insurance Program (CHIP) coverage. See a list of “qualified non-citizen” statuses.
In order to get Medicaid and CHIP coverage, you may have a 5-year waiting period. This means you must wait 5 years after receiving “qualified” immigration status before being eligible for Medicaid and CHIP. See a list of exceptions to the 5-year waiting period and other important details.
Many immigrant families are of “mixed status,” with members having different immigration and citizenship statuses. Mixed status families can apply for a tax credit or lower out-of-pocket costs for private insurance for their dependent family members who are eligible for coverage in the Marketplace or for Medicaid and CHIP coverage. Family members who aren't applying for health coverage for themselves won't be asked if they have eligible immigration status.
Federal and state Marketplaces, and state Medicaid and CHIP agencies can’t require you to provide information about the citizenship or immigration status of any family or household members who aren’t applying for coverage.
States can’t deny you benefits because a family or household member who isn't applying hasn’t provided his or her citizenship or immigration status.
Information that you provide to the Marketplace won’t be used for immigration enforcement purposes.
If you’re not eligible for Marketplace coverage or you can't afford a health plan, you can get low-cost health care at a nearby community health center. Community health centers provide primary health care services to all residents, including immigrant families, in the health center’s service area.

From Coverage to Care: A roadmap for using your new coverage

Healthcare.gov — Mon, 16 Jun 2014 00:00:00 -0400

If you’re one of the millions of Americans who recently obtained health coverage through the new Health Insurance Marketplace, Medicaid, or the Children’s Health Insurance (CHIP), From Coverage to Care materials can help answer questions you might have so you can make the most of your health coverage. Resources are available at marketplace.cms.gov/c2c. Some of the topics covered include:

Understanding your health coverage: Make sure you start by knowing how your health plan or coverage works. Become familiar with the services that are covered and how much you’ll have to pay. You can also learn what any new terms mean and how they apply to your coverage.
Using prevention to stay healthy: Your coverage is designed to serve you beyond just getting sick. At regular check-ups, you can ask questions on the steps you can take to become healthier. After all, prevention is a critical part to staying healthy – and under the Affordable Care Act, many preventive services are covered with no copays or additional costs.
Understanding primary care vs. emergency care: You’ll visit your primary care provider for both routine check-ups and when you feel ill. When you are feeling extremely sick or are in a life-threatening situation, you’ll visit the emergency department. You may pay a higher copay or coinsurance for emergency care visits.
Following up after appointments: Remember that good care doesn’t stop when you leave your provider. Make sure you follow your health care provider’s instructions, schedule your follow-up appointments, if needed, and fill any needed prescriptions.

If you have questions about your new health care coverage, contact your insurance company directly or contact us at 1-800-318-2596 (TTY: 1-855-889-4325). Our trained representatives are available at the Marketplace Call Center 24 hours a day 7 days a week if you need help. If you have questions about your Medicaid or CHIP coverage, you can contact your state agency directly for more information.

Health coverage with Medicaid is the perfect Father’s Day gift

Healthcare.gov — Fri, 13 Jun 2014 00:00:00 -0400

It’s not too late to give your father a special gift. Let the dads in your life know that health insurance is available through Medicaid and the Children’s Health Insurance Program (CHIP).

Enrollment is open all year round. Children and teens up to 19 can qualify for free or low-cost coverage – and parents may be eligible too.

Use our screener now to find out if you may qualify for Medicaid and CHIP.

In many states, more adults than ever are eligible for Medicaid, so you can try again if you were denied Medicaid coverage in the past. Once enrolled, you can use your new Medicaid or CHIP coverage to get preventive care, doctor visits, mental health care, hospitals stays, prescription drugs, and more.

Benefits for families

Here are some ways health coverage helps families:

When you have coverage, it’s more likely that your eligible children will get covered too.
Your covered children are more likely to get the preventive services they need.
You’ll be better able to engage in child-focused activities – like playing outdoors and participating in school events.

So, if you know a dad who needs coverage – for himself or his family – let him know about Medicaid and CHIP. Getting health coverage for his kids is the kind of present every dad loves, and not just on Father’s Day. Enrollment is open all year long, so why wait?

Learn more about how to enroll in Medicaid and CHIP. You can also visit your state Medicaid agency’s website or call 1-877-KIDS-NOW (1-877-543-7669).

Still need health coverage? You’ve got options

Healthcare.gov — Fri, 30 May 2014 00:00:00 -0400

Even though open enrollment is over, you may still have options to get health coverage this year.

Just answer a few questions to find out if you qualify for a Special Enrollment Period, Medicaid, or the Children’s Health Insurance Program (CHIP).

Special Enrollment Periods

If you experience a qualifying life event, you’ll still be able to sign up for private insurance in the Marketplace.

Here are a few examples of qualifying life events:

No longer being covered by your parents’ plan
Getting married or divorced
Having a baby or adopting a child
Moving to a new area
Losing your other health insurance including student health plans

See if you qualify for a Special Enrollment Period.

Medicaid or CHIP coverage

You can apply for Medicaid or CHIP any time - enrollment is open all year round. If you qualify, you (or a family member) can enroll immediately.

Children and teens up to 19 can qualify for free or low-cost coverage – and parents may be eligible too. In many states, more adults than ever are eligible for Medicaid, so you can try again if you were denied Medicaid coverage in the past.

See if you qualify for Medicaid or CHIP coverage.

Graduating from college? Here are 4 ways to get health coverage

Healthcare.gov — Thu, 29 May 2014 00:00:00 -0400

College students and recent graduates have several options for finding coverage in the Health Insurance Marketplace.

1. Special Enrollment Periods for College Grads

If your student health plan is ending, you may qualify for a Special Enrollment Period to sign up for private health insurance in the Marketplace.

See if you qualify for a Special Enrollment Period.

You may also be eligible for a Special Enrollment Period if you get married or divorced, have a baby or adopt a child, move to a new area, age off of a parent’s plan, or experience another qualifying life event.

2. Medicaid and CHIP coverage

You can enroll in Medicaid and the Children’s Health Insurance Program (CHIP) any time of year. If you qualify you can enroll immediately.

Learn how to apply for Medicaid and CHIP.

Medicaid and CHIP provide health coverage for some individuals, families and children, pregnant women, the elderly with certain incomes, and people with disabilities. In some states the program covers all adults below a certain income level.

3. Coverage on a parent’s plan

You may also be able to get covered under a parent’s health insurance plan until you turn 26. This is true even if you are married, not living at home, or not financially dependent on your parents.

4. Catastrophic coverage

If you’re under 30, whether you’re a college graduate or not, you can buy a catastrophic health plan. These plans are an affordable way to protect yourself from the high costs of worst-case scenarios, like an accident or serious illness. They cover 3 primary care visits per year before you meet your deductible, as well as certain preventive care benefits.