The Affordable Care Act has provided many Americans with the opportunity to access low-cost health insurance through the Health Insurance Marketplace. The annual open enrollment period to take advantage of this program ends January 31, 2016.
These insurance plans are being offered to provide coverage for doctor visits, prescription drugs, hospitalization and no-cost preventive care. Based on your income and family size, the federal government is providing subsidies that may offset the entire cost of the insurance premium.
While this is great news, the process of enrolling can be overwhelming. To help you explore your options, Mercy will be hosting two special enrollment events with certified application counselors and licensed navigators to answer questions and assist you in creating an account for the federal Marketplace or Ohio Medicaid.
The events will take place on Tuesday, December 8 from 10 a.m. to 3 p.m. at Mercy Allen Hospital, 200 West Lorain Street in Oberlin, with registration taking place in the Main Lobby, and Saturday, December 12 from 10 a.m. to 3 p.m. in Ross Conference Room 2 at Mercy Regional Medical Center, 3700 Kolbe Road in Lorain.
To find out how much you’re eligible for when you apply, it will help to bring these things:
- Social Security Numbers (or document numbers for legal immigrants)
- Birth dates
- Pay stubs, W-2 forms, or “Wage and Tax Statements”
- Policy numbers for any current health insurance
- Information about any health insurance you or your family could get through a job
After you apply, you’ll find out if you qualify for private health insurance, lower costs based on your household size and income, or coverage through Medicaid and the Children’s Health Insurance Program (CHIP). All Marketplace plans cover essential health benefits, pre-existing conditions, and preventive care, and some offer dental coverage. To explore your options, prepare to apply, and sign up for Marketplace updates go to HealthCare.gov.