What To Do If You Don't Have Health Insurance, Part 3

Mary Ann HodorowiczBy Mary Ann Hodorowicz RD, LDN, MBA, CDE, CEC

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.

PREVENTIVE SERVICES AT NO COST SHARING

ADULT MEN AND WOMEN

  • Abdominal aortic aneurysm screening
  • Alcohol misuse screening and counseling
  • Aspirin use to prevent cardiovascular disease
  • Blood pressure screening
  • Cholesterol screening
  • Colorectal cancer screening
  • Depression screening
  • Diabetes (type 2) screening for adults with high blood pressure
  • Diet counseling for adults at higher risk for chronic disease
  •  HIV screening
  • Immunization vaccines
  • Obesity screening and counseling
  • Sexually transmitted infection prevention counseling
  • Syphilis screening
  • Tobacco use screening and cessation interventions

Page: 1 | 2

Last Modified Date: March 25, 2014

All content on dLife.com is created and reviewed in compliance with our editorial policy.

More on this Topic

No items are associated with this tag

Sign up for FREE dLife Newsletters

dLife Membership is FREE! Get exclusive access, free recipes, newsletters, savings, and much more! FPO

Congratulations!
You are subscribed!
Congratulations!
You are subscribed!
Congratulations!
You are subscribed!
61 Views 0 comments
by Brenda Bell
This past weekend was my STAR TREK group's anniversary picnic. Our hostess was one of our chapter's newer members, though she's definitely a second-generation member (perhaps since birth!) of the larger organization. She's also dealing with a couple of agressive, quality-of-life-limiting autoimmune conditions, at least one of which has been somewhat mitigated by the effect of bariatric surgery. In the relaxed atmosphere of a group picnic, she was able to explain a bit more about...
  • Watch dLifeTV online now!

    Click here for more info
  • Join the #1 Diabetes Community.

    Join Today!
  • Everything you need to know about Insulin.

    Click here