Insurance Marketplace - Uninsured and Need Help
The Affordable Care Act (ACA) requires everyone legally living in the U.S. to have health insurance beginning January 1, 2014. And it also gives millions of individuals with too little OR no insurance, access to health plans at different cost levels. The law also provides financial assistance to those who qualify based on family size and income. Beginning October 1, 2013, you will be able to shop at a new online Health Insurance Exchange Marketplace, also known as an “Exchange,” where you can one-stop-shop for a plan that fits your budget and coverage needs. We’re here to help you learn about the law and how to select the right plan for you and your family.
The amount of financial assistance you receive depends on your family size and how much money your family earns. In general, if your income falls within the following ranges you'll qualify to save money on your premiums in 2014. The lower your income within these ranges, the more assistance you will receive. (The amounts below are based on 2013 numbers and are likely to be slightly higher in 2014.)
$11,490 to $45,960 for individuals
$15,510 to $62,040 for a family of 2
$19,530 to $78,120 for a family of 3
$23,550 to $94,200 for a family of 4
$27,570 to $110,280 for a family of 5
$31,590 to $126,360 for a family of 6
$35,610 to $142,440 for a family of 7
If your income falls below the amounts shown, you may qualify for coverage under Arizona Medicaid program. Effective January 1st, 2014 The Arizona Medicaid program will provide coverage for Arizona residents that were previously not eligible for coverage. Coverage will expand from 100% of the Federal Poverty guidelines to 133%, coverage will also be provided to those adults that were previously excluded because they had no dependent children.
What Will the Plans Cover?
Coverage will include doctor visits, hospital stays, wellness care, prescriptions, emergency services, maternal and newborn care, pediatric care and more. In fact, Ten Essential Health Benefits must be covered in every plan and certain Preventive Care Services will be provided at NO additional cost to patients. Also, patients cannot be turned away due to pre-existing conditions, as has been the case in the past.
Sign Up Begins October 1, 2013
If you do not have health insurance, you are required to sign up during open enrollment, from October 1, 2013 to March 31, 2014. You can shop for plans by phone, through a broker, at on-site enrollment locations, or at the online Health Insurance Marketplace, where you can easily compare benefits and costs. If you choose not to enroll for insurance, the law states that you will face tax penalties.
The Health Insurance Marketplace
The Health Insurance Exchange Marketplace is available online at www.Healthcare.gov, by phone at 1-800-318-2596, or through an approved insurance broker, and it’s designed to make buying health coverage easier by comparing plans side by side, in simple language and with no fine print. Through the Marketplace, you can apply, compare all your options, and find out if you can get lower costs on monthly premiums or get free or low-cost coverage. When you’re ready to enroll, you’ll decide how you pay your premiums or get help signing up for Medicaid or CHIP if you’re eligible. Only one simple application will be required.
If you believe you qualify for Arizona Medicaid please visit www.healthearizona.org. Health-e-Arizona is an on-line application for Arizona Residents. You can apply for medical coverage, Nutrition Assistance (formerly known as the Food Stamp program), and cash assistance. At Health-e-Arizona you can:
View and confirm receipt of your application on-line
Fax your verification documents, and view and confirm your verification documents on-line
Renew your benefits on-line
Get your options and information. Just click below.
Get quick answers to your health insurance questions on Healthcare.gov (english) or CuidadodeSalud.gov (spanish)
How the Marketplace Works
Step 1 Create an account
Provide some basic information. Then choose a user name, password and security questions for added protection.
Step 2 Apply
Starting October 1, 2013, you’ll enter information about you and your family, including your income, household size and more. Use this checklist to help you gather the information you’ll need.
Step 3 Pick a plan
Next you’ll see all the plans and program you’re eligible for and compare them side-by-side. You’ll also find out if you can get lower costs on monthly premiums and out-of-pocket costs.
Step 4 Enroll
Choose a plan that meets your needs and enroll. Coverage starts as soon as January 1, 2014.
Patient Financial Services Dept
5111 N. Scottsdale Rd., Suite 275
Scottsdale, AZ 85250