How to apply
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Transcript of How to apply
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How the Health Insurance Marketplace Works
How To Apply for Health Insurance Through the Health Insurance Marketplace
By Howard Chapman, Jr.November 26, 2013
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Affordable Care Act (Continued)Reason for the Affordable Care Act•Health Care Cost – 18% of U.S. GNP is Spent on Healthcare (Sweden next at 11%)•Uninsured● Over 50 million people in the U.S. (NACHC 2012)● 1 million people in Virginia (2012 County Health Rankings at 14% - Families USA The Lewin Group noted 29.2% in 2004 over 2 million)
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Affordable Care Act (Continued)Three Goals1.Access To Healthcare● Health Insurance Marketplace2.New Consumer Protections● Pre-existing Conditions● Consumer Assistance
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Affordable Care Act (Continued)Goals continued3. Improving Quality and Lowering Healthcare Cost● Free Preventative Care● RX Discounts for Seniors● Protection Against Health Care Fraud● Small Business Tax Credits
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Online Enrollment•Most effective method•We will focus on the Online Enrollment•Plagued with problems since Day 1•Improved, but still not fully functional
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Online Enrollment (Continued)Step 1: Set up an account•Visit Marketplace(/marketplace/individual)•Provide some basic information•Select user name, password, & security question*Note: Must have an established email account
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Online Enrollment (Continued)Step 2: Fill out online application● Provide family information that includes:● Income● Household members● Current health coverage information● More
* Note: Households with more than one tax filing must call the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325)
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Online Enrollment (Continued)Step 3: Compare your options● See all the options you qualify for including:● Private insurance plans● Free/low cost Medicaid and CHIP coverage● Compare the premiums and out-of-pocket cost● Provide details on cost/benefits to choose a plan
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Online Enrollment (Continued)Step 4: Enroll•Choose a Plan and Enroll•Decide How to Pay Your Premium•Premium Must be Paid Before Coverage Begins•Family member that qualify for Medicaid/CHIP will have a representative assist them
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Thank You and Questions•Contact Information
Howard Chapman
BUS 302 Business Communication Class
Telephone: 276-494-1143
Email: [email protected]