Is It Still Broken?
We have all heard the stories and been fed all the excuses, but is Healthcare.gov actually working? Or does it need another bandage. The site seems to be up and running so it’s time to take a better peek.
How It Works
When you log on to the site, it will instruct you to pick the state where you live so that it can better find the right plans and policies for you. Also, some states have their own marketplace where others are run by the Federal Government. You will then create an account. This will require you to give up some personal information, pick a user name and password, and you will be able to choose security questions to make your account even more secure.
Once you have established your account, you will be able to start the application process. You will need to provide information about yourself and your family. You will also be asked if you are eligible for any other coverage, how many people live in your home, and your income.
Picking That Perfect Plan
The next screen can be a little overwhelming depending on how many plans you qualify. They do list them all side by side and try to make comparisons easy. You can look them all over, pick the pros and cons, compare prices, and find out how you can get even lower costs on your premiums and your co-pays.
The final step in the process is enrollment. Here you will have chosen your plan by finding the perfect one that will meet your needs. You will be instructed on how to finish the enrollment and you will also find out when your healthcare coverage will start.
What Else Do You Qualify For?
The goal of the healthcare market place is to make sure you are covered. The market place can tell you if you qualify for private health insurance plans, Medicaid, or CHIP. Private health insurance coverage varies but most will offer lower costs based on your income, coverage on basic essential health benefits, preventative care, and already existing conditions. Medicaid provides coverage for millions of Americans with low and limited income. If the marketplace determines that you qualify for Medicaid, they will share that information with your state so that the state agency in charge (usually a Dept. Of Health and Human Services) can contact you. The marketplace will also determine if your children may be covered under CHIP (Children’s Health Insurance Program)
Do You Have to Do This Process If You have Coverage Where You Work?
The short answer is no. You can consider a marketplace plan, BUT if you do switch, you likely won’t qualify for the lower costs unless you can’t afford your job based plan or your job based plan doesn’t meet the minimum requirements. In addition, your employer may no longer agree to make a contribution to your new premium. A much better option is to contact an online Insurance company like FloridaInsuranceQuotes.net.