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Want to know more about the Affordable Care Act (ACA)?

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W

ould you like to know more about whether or how the ACA could help you or someone you know?

Are you aware you can begin to enroll in the new Health Care Marketplace as early as October 1, 2013?

If you want to learn more, there will be presentation on the Affordable Care Act (ACA) in the second floor Court Room in the Grant County Court House at 7 p.m. on Tuesday, Aug. 27.

The presentation is sponsored by Grant County Judge Executive Darrel Link, and presented by Grant County residents and Organizing for Action volunteers Bill and Michele Workman.

The informational talk will be to help people who are curious about whether the new health care law may help them and to learn how to enroll.  Please plan on about 45-60 minutes for the talk/overhead presentation.  A question and answer session will follow.    

You may already know about some of the early benefits which are already in place from the ACA law. For example, you may know of a young person who has been able to remain on their parent’s health care benefits until age 26.

You may have heard there are no longer coverage exclusions for children with pre-existing conditions; you are correct! 

You may believe there are no more lifetime maximums in marketplace plans, again you are correct!

You may wonder whether about 20% of women nationally lack health insurance (roughly 19 million women), sadly, it is true.  Happily, it is about to change.    

Remember, you can begin enrolling using the Health Insurance Marketplace as early as October 1, 2013.  That’s just a few weeks away. And your coverage can begin as early as January 1, 2014!

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What else in the ACA is important to you?

• First, the ACA makes it illegal for health insurance companies to arbitrarily cancel your health insurance just because you get sick

• The ACA requires health insurance companies to spend at least 80% of the premiums paid directly on health care for people rather than on administrative or overhead expenses. The ACA has an 80/20 Rule – Rebate checks are issued on premiums if insurance companies make too much money. Some people have already received rebates. 

• The ACA provides preventive care in health plans  

• The ACA ends lifetime and yearly dollar limits on coverage of essential health benefits

• The ACA holds insurance companies accountable for rate increases

• The ACA helps you understand the coverage you are getting and to be able to compare plans more easily

During the talk, we’ll refer to the website www.healthcare.gov to show several examples of how families of different sizes and incomes can estimate the costs and savings of Marketplace health insurance.  If you’d like to take a look at it on your own, you can find this tool at 

• www.healthcare.gov  and CuidadodeSalud.gov

• Click on:

• “All topics” 

• “Health Insurance Marketplace”

• How can I get an estimate of the costs and savings on Health Insurance Marketplace?

• A Kaiser Foundation Tool will help you estimate your cost 

 

This presentation will provide an overview of the Affordable Care Act, a timeline for its implementation, how the law protects us, the Health Insurance Marketplace, several sample insurance cost calculations for various family sizes , and brief information for self-employed and employers with fewer than 25 employees.

Key topics to be covered include:

1. Your rights and Protections under the law (Patient’s Bill of Rights)

2. How to access the Health Insurance Marketplace

3. Coverage of pre-existing conditions

4. Doctor Choice and out-of-network coverage

5. When to Enroll - October 1, 2013 through March 31, 2014

6. Cracking down of frivolous cancellations and claim denials

7. Coverage for children under 26 even if not living with parents or married

8. Free preventive care and health services for men, women and children

9. Ending yearly and lifetime limits

10. The 80/20 Rule  - Rebates if insurance companies make too much money on your premiums

11. What if you have insurance with the company you work for

12. What if you have no insurance

13. Examples of premiums for health insurance through the Health Insurance Marketplace

a. Family of 4 with 2 children earning $35,000 a year

b. Married couple with no children making $50,000 a year

c. Etc.

14. What if you are self-employed?

We hope you’ll join us to learn more about the process to enroll in the new Health Insurance Marketplace and see several samples of cost calculations for various family sizes.

(Bill Workman is a resident of Dry Ridge.)