Marketplace Enrollment

Promise Community Health Center is a Certified Application Counselor organization with trained staff available to answer any questions you may have about enrolling in Medicaid, Healthy and Well Kids in Iowa (hawk-i), or the Health Insurance Marketplace.

 

Call us today at (712) 722-1700 or email carecoordinator@promisechc.org with any questions you may have about the enrollment process!

 

To learn more about how Promise can help you get enrolled in a Health Insurance Marketplace plan, read this story. Promise offers the assistance for free.

 

1. What is the Health Insurance Marketplace?
(www.healthcare.gov/what-is-the-health-insurance-marketplace)

  • It is a new way to find health insurance coverage that fits your budget and meets your needs.
  • It also tells you if you qualify for free or low-cost coverage available through Medicaid or the Healthy and Well Kids in Iowa (hawk-i) program.
  • Apply online, by mail, or in person.
  • It compares insurance plans offered by private companies that cover the same core benefits called “essential health benefits.”

2. What does Marketplace health insurance cover?
(www.healthcare.gov/what-does-marketplace-health-insurance-cover)

Essential health services include the following minimum requirements:

  • Ambulatory patient services (outpatient care without being admitted to the hospital);
  • Emergency services;
  • Hospitalization;
  • Maternity and newborn care (before and after baby is born);
  • Mental health and substance use disorder services, including behavioral health treatment;
  • Prescription drugs;
  • Rehabilitative and habilitative services and devices;
  • Laboratory services;
  • Preventive and wellness services and chronic disease management;
  • Pediatric services.

3. What if someone doesn’t have health coverage?
(www.healthcare.gov/fees-exemptions/fee-for-not-being-covered)

If someone who can afford health insurance doesn’t have coverage, they will have to pay a fee. They also have to pay for all of their health care.

Visit the website for questions about:

  • What are the fees?
  • What is the minimum essential coverage?
  • Who doesn’t pay the fee?
  • What kinds of health insurance don’t qualify as coverage?

4. What if I have a pre-existing health condition?
(healthcare.gov/what-if-i-have-a-pre-existing-health-condition)

  • Being sick doesn’t keep you from getting coverage.
  • Don’t miss open enrollment.
  • Open enrollment is Nov. 1, 2015-Jan. 31, 2016.

5. How can I get an estimate of costs and savings on Marketplace health insurance?(www.healthcare.gov/how-can-i-get-an-estimate-of-costs-and-savings-on-marketplace-health-insurance)

  • You’ll learn your final costs for specific plans when you apply in the Health Insurance Marketplace.

6. What if I’m retired but not eligible for Medicare?
(www.healthcare.gov/what-if-im-retired-but-not-eligible-for-medicare)

  • If you’re retired without coverage, you may use Health Insurance Marketplace to buy health insurance. If you don’t have coverage, you may have to pay a fee.

7. What are my health coverage options if I’m unemployed?
(www.healthcare.gov/what-are-my-health-coverage-options-if-im-unemployed)

  • If you’re unemployed, you may qualify for Medicaid, the Children’s Health Insurance Program, or lower costs on Marketplace insurance based on your income.
  • Your options depend on your household income.

8. What if I'm self-employed?
(www.healthcare.gov/what-if-im-self-employed)

  • If you’re self-employed with no employees, you’re not considered an employer. You can use the individual Marketplace to find coverage that fits your needs.
  • If you have employees, you can get coverage for yourself and employees through the Small Business Health Options Program (SHOP) Marketplace.

9. How does the Affordable Care Act help people like me?
(www.healthcare.gov/how-does-the-affordable-care-act-affect-me)

  • If you need coverage, you can use the Marketplace. If you have coverage, you gain new protections. If you don’t have coverage, you may have to pay a fee.
  • The Marketplace will operate in all states, so no matter where you live, you’ll have access to coverage.

10. What are my health coverage options if I’m unemployed?
(www.healthcare.gov/what-are-my-health-coverage-options-if-im-unemployed)

  • If you’re unemployed, you may qualify for Medicaid, the Children’s Health Insurance Program, or lower costs on Marketplace insurance based on your income.
  • Your options depend on your household income and how many individuals are in the household.

11. What if I’m a part-time employee without health coverage?
(www.healthcare.gov/what-if-im-a-part-time-employee-without-health-coverage)

  • If you’re a part-time worker without job-based coverage, you may be able to buy health insurance in the Marketplace and get lower costs based on your income.
  • If you’re offered coverage through an employer, you may buy insurance through the Marketplace instead. But, in most cases, you won’t be able to get lower costs based on your income.

12. Can children stay on a parent’s plan until age 26?
(www.healthcare.gov/can-i-keep-my-child-on-my-insurance-until-age-26)

  • If a plan covers children, they can be added or kept on the health insurance policy until they turn 26 years old.

13. Why should I have health coverage?
(www.healthcare.gov/why-should-i-have-health-coverage)

  • Health insurance covers unexpected medical care and protects you from high expenses.
  • A benefit of health insurance is the free preventative care, like vaccines, screenings, and checkups. They also cover the costs of some prescription drugs.

14. How do I apply?

Visit www.healthcare.gov to apply.

Check out this video for more information.