The Health Insurance Marketplace opens on November 1st, and Maine Family Planning is here to help you navigate your options. Whether you’re enrolling for the first time or renewing your current plan, we can help guide you through the process. Our experienced Certified Application Counselor (CAC) is available by appointment in our Augusta, Bangor, Belfast, and Lewiston Family Planning sites during the entire open enrollment period (November 1, 2015 – January 31, 2016).
Want to know a bit more about Marketplace plans before making an appointment? To help break things down, we’ve put together a list of things we think everyone needs to know—so read up, share with friends and family (and then give us a call)!
You’ll get real coverage. All health insurance plans are now required to cover essential health services, including preventive screenings, prescriptions, emergency room care, and contraception. You can’t be denied coverage or dropped from a plan because of pre-existing health conditions.
Chances are, you’ll get financial help. Last year, 90% of Mainers qualified for a subsidy (a discount) to help with the cost of their health plan. The amount of financial help available depends on your income; use this quick calculator to see if you might qualify for assistance.
You may have to pay either way. If you don’t enroll in a plan, you could be charged a penalty on your next tax return (though some people will qualify for an exemption). This year, the penalty is $695 per adult, $347.50 per child OR 2.5% of your annual household income—whichever is greater. If you’re going to be responsible for paying either way, why not make sure you have health coverage?
Healthy people need coverage, too. Health insurance isn’t just for people with chronic health issues, and emergencies aren’t the only reason for healthy people to find a plan. Marketplace plans cover:
- Preventative care (like mammograms for women, vision screening for children, and vaccines for everyone)
- Prescription drugs
- All FDA-approved birth control methods
- Behavioral health services, including mental health counseling and substance abuse treatment
- Pregnancy, maternity, and newborn care, including breastfeeding support
- Some plans include dental and vision coverage, and if not, you can add that coverage to your plan.
Already have a plan? You DEFINITELY need to check in! If you are currently covered by a Marketplace plan, it’s important for you to update your information make sure you’re getting the right level of financial help in 2016. You can also add dental and/or vision benefits for 2016 when you renew. You must re-enroll by December 15th for there to be no gaps in your coverage.
Maine Family Planning can help you explore all your options. Depending on your income, you may be eligible for a Marketplace Plan or for MaineCare – Maine’s Medicaid health insurance program for children, pregnant women, parents, and people with disabling health conditions. We’ll help you sort through your options, calculate what kind of financial help you can expect, and help you navigate the enrollment process.
Having health insurance means that you can get the care you need when you need it. Let us help you get covered!
You can reach Mindy by phone at 248-3928 or via email at email@example.com.
Learn more: www.mainefamilyplanning.org/getcovered