What To Do If You Don't Have Health Insurance, Part 3
This is part 3 and the last of our articles on what to do if you do not have health care insurance. In our previous article, we talked about the state-based health care "exchange" plans created under the 2010 Patient Protection and Affordable Care Act (ACA), also known as "Obamacare," set to begin in early 2014. There have been some problems with the website (www.healthcare.gov) that has been created for individual enrollment in one of the four different plans (bronze, silver, gold and platinum; see part 2 for more information). The good news is that the problems are being fixed, so the health plan shopping and enrollment functions will be ready on the Internet very soon!
The other problem that you may have heard about is that some Americans (about 5 percent) are receiving plan cancellation notices from their current health insurance companies. The reason for this is that these plans do not fulfill all ten of the broad categories of the ‘essential health benefits' to be provided with no copayment or coinsurance (in other words, for free) by plans created after September 23, 2010. The two benefit categories that are usually excluded in plans created before 9-23-10 are pediatric care and maternity care. If you have received one of these notices, it is important to read the all the other material included with it. Why? Because the insurance company provides information about the other plans it offers, plans you can sign up for that do include all ten EHB categories. Note that there are frequency, dosage, age, population, and other eligibility conditions that apply to EHBs.
If you would like more information, here are two things you can do: 1) Visit www.healthcare.gov, a consumer-friendly website created by the federal government to help people get answers to their ACA and exchange questions. 2) Come back to our dLife website regularly for updated information on health care insurance in the ever-changing health care industry. We are here to help!
Mary Ann is a consultant, speaker, writer and trainer for the health, food and pharmaceutical industries in nutrition, diabetes and insurance reimbursement. Her clients include healthcare entities, membership associations, research firms, pharmacies, education/training firms, government, websites, academia, media and individual healthcare professionals. Mary Ann specializes in helping clients establish AADE-accredited DSME programs, MNT programs, shared medical appointments, marketing and insurance reimbursement policies and procedures, and training educators on motivational interviewing and strategies for successful patient behavior change. Mary Ann is on the AADE Board of Directors and has served on numerous committees of the Academy of Nutrition and Dietetics, its practice groups and state affiliates.
For more information about Mary Ann Hodorowicz, RD, MBA, CDE, CEC and Mary Ann Hodorowicz Consulting, LLC, visit www.maryannhodorowicz.com - Nutrition, Diabetes Care & Education, Health Promotion and Insurance Reimbursement for Professionals for the Healthcare and Food Industry.
NOTE: The information is not intended to be a replacement or substitute for consultation with a qualified medical professional or for professional medical advice related to diabetes or another medical condition. Please contact your physician or medical professional with any questions and concerns about your medical condition.
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