Thursday, September 26, 2013

Hey Doc, When and How Can I Get Ready to Sign Up for the Marketplace?

We know health reform is big and confusing. Some parts of the law started in 2010. Other parts are rolling out over the next several years. Texas physicians and the Texas Medical Association have carefully studied the law to help you understand what the changes mean to your health care.

As the Affordable Care Act (ACA) continues to roll out, Me&My Doctor’s “Hey Doc” series will answer your frequently-asked questions, as well as some you might not have thought to ask.

Check out part three in this series here.

Q. When can I create an account at the marketplace?

Even though you can’t sign up for insurance through the marketplace until Oct. 1, you can go online now to Healthcare.gov to create the account you will need to enroll. You’ll start by going through some basic steps like providing your name, address, and email address to create a username and password, and entering information like whether you are eligible for insurance through your employer. You can always call (800) 318-2596 with questions, too.

Q. How can I get ready to sign up?

You will have some decisions to make and important information to gather to sign up for health insurance coverage when the marketplace opens on Oct. 1. But there are a few things you can do now to get ready so it’s not so overwhelming.

  • Learn about different types of health coverage so you know what kind of plan fits you or your family.
  • Make a list of questions you may have before it’s time to choose a plan, such as whether you can keep your current doctor.
  • Make sure you understand how coverage works, including things like premiums, deductibles, and copayments. This will help you determine what you have to pay and when. Healthcare.gov and BeCoveredTexas.org have helpful glossaries you can use to decipher these and other insurance terms.
  • Gather information about your household income, for example, pay stubs, W-2 forms, or tax returns. You will need this information to determine what kind of plan you may want, and whether you qualify for tax credits or public assistance. When you enroll, you will also have to provide information on any insurance you currently have, such as policy numbers and employer coverage.
  • Set your budget.
  • Ask if your employer plans to offer health insurance coverage in 2014. If not, you may have to find insurance through the marketplace or other sources.


No comments :

Post a Comment

Related Posts Plugin for WordPress, Blogger...

Repost.Us