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Health Insurance - The Time To Act Is Now - Part 2

How do I Enroll in a Health Insurance Marketplace Plan?
Interested in enrolling in a marketplace plan? Enroll now during open enrollment! Here are the steps you will need to take.

Set up an account at Healthcare.gov

Fill out an online application. This will include information about your family size, current health care coverage and income.

Compare your options. This may include private insurance plans, free and low cost coverage through programs like Medicaid or Children's Health Insurance Program (CHIP). You will also see wither or not you qualify for low cost assistance. Details will be shown that will help you enroll in the right plan for your family.

Enroll. Once you have chosen a plan it is time to enroll. There will be online help if needed.

Click Here to Learn More About Your Health Insurance Options Now!

Policy Selection Process
Choosing a health care plan can be difficult ant it is important to know a few basic facts that can help make choosing a plan easier.

Categories
There are 4 "metal" categories. These categories are:
  • Bronze
  • Silver
  • Gold
  • Platinum

These categories will show you what your plan costs will be, and what coverage is offered. Coverage and price will vary from state to state.

Total Cost of Health Care
You will pay a monthly premium for insurance, even if you don't use it. You will also have out of pocket expenses that will include your deductible and copayments. Keep this in mind when selecting a plan. If you choose a high deductible plan the monthly expense may be lower, but be prepared to pay a larger expense if a medical emergency does arise.

Plan and Network Types
There are different plans and networks to choose from. Some plans allow you to use almost and doctor or hospital. Others may limit your choices and charge you if you go out of network.

Examples are:
  • PPO-Preferred Provider Organization
  • PPO-Preferred Provider Organization
  • HMO-Health Maintenance Organization
  • POS-Point of Service
  • EPO-Exclusive Provider Organization

Look into what these are and keep in mind what you need from your health insurance plan. You want to choose a plan that meets all your needs. For example PPOs tend to have wider networks than HMO's. You can learn more about comparing plans here.

All Plans Cover Basic Needs
Regardless of what plan you choose ALL plans provided from the marketplace will cover these essential health benefits.
  • Ambulance Services if you are admitted into a hospital
  • Emergency Care
  • Hospitalization for surgery and overnight care
  • Pregnancy, Maternity and Newborn care
  • Mental Health Services
  • Prescription Drugs
  • Laboratory Services
  • Rehabilitation Services
  • Preventive and wellness care
  • Pediatric services
  • Birth Control
  • Breastfeeding Assistance

These services are all minimum requirements for marketplace plans. Specific plans may cover more broad benefits and additional services including dental, vision and medical management services.

When comparing plans at healthcare.gov you will see exactly what each plan offers. And will be able to compare and decide what plan will work for your family's needs.

If you and your family need health insurance, NOW is the time to enroll at healthcare.gov. Open enrollment period ends soon, and when it's over, it's OVER for another year.