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The 2020 Healthcare Open Enrollment has begun. Find the coverage you need before the deadline on December 15, 2019.

 

When is Open Healthcare Enrollment plans for 2020?

Where can I get free health insurance?

What happens if you don’t act by the open healthcare enrollment deadline?

What documents do I need to apply for the Healthcare Marketplace?

 

The 2020 Open Healthcare Enrollment runs from November 1 – December 15, 2019. If you do not have health insurance through a job, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source that provides qualifying health coverage, the Healthcare.gov Marketplace can help you get covered. The information in this article is as current as of the publication date. Readers are encouraged to confirm the information prior to acting. 

 

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How do I apply for Healthcare Open Enrollment?
Well, there are four ways you can apply.
1. Online – If you already have an account with the Health Insurance Marketplace, you can simply login. If you do not have an account, you will need to create one.
Apply Online for Open Healthcare Enrollment

 

2. TelephoneA customer service representative at the Health Insurance Marketplace can help you fill out an application, review your choices, and enroll in coverage by calling 1-800-318-2596. This line is open 24/7 with the exclusion of holidays.

 

3. In-Person Assistance – Health Insurance Marketplace assisters are available in your community who are trained to help you fill out an application and enroll. Search using your zip code to find the closest one to you.

 

4. Paper ApplicationPrint, complete and mail in a paper application. You will get eligibility results in the mail within two weeks.

 

What does Marketplace health insurance plans cover?
All plans offered in the Marketplace cover these 10 essential health benefits:
– Ambulatory patient services (outpatient care you get without being admitted to a hospital)
Emergency services
– Hospitalization (like surgery and overnight stays)
Pregnancy, maternity, and newborn care (both before and after birth)
Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
– Prescription drugs
– Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
– Laboratory services
Preventive and wellness services and chronic disease management
– Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)

 

Can I sign up for health insurance after Open Enrollment?
If you miss the open enrollment deadline of December 15, 2019, you can enroll in the health insurance marketplace only if you qualify for the
Special Enrollment Period that includes certain life events, like losing health coverage, moving, getting married, having a baby or adopting a child.

 

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How can I save on health insurance?
Based on your estimated income, you may qualify for a
premium tax credit that lowers your monthly insurance bill, and for extra savings on out-of-pocket costs like deductibles and co-payments.

 

If I have employer-based health insurance, can I buy insurance on the marketplace?
If you have employer-based insurance plans, you can still buy a plan through the Marketplace, but you will pay full price unless your employer’s insurance does not meet certain standards.  Most job-based plans meet the standards.

 

Will I get penalized for not having health insurance in 2019?
If you don’t have coverage during 2019 and leading into 2020, the fee no longer applies. You don’t need an exemption in order to avoid the penalty. The Shared Responsibility Payment no longer applies.

 

What should basic health coverage cover?
Basic health coverage should cover the following:
Hospital Expense
– Some or all of the daily cost of room and board.
– Routine nursing, minor medical supplies, use of other hospital facilities as well.

Surgical Expense
– Pays all or part of surgeon’s fees.

Physician Expense
– Meets some or all of the costs that do not involve surgery.
– Routine visits, x-rays and lab tests.

 

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Are Medicaid and Medicaid services a part of the Healthcare Enrollment Marketplace?
If you have Medicare, you cannot switch to Marketplace insurance, supplement your coverage with a Marketplace plan, or buy a Marketplace dental plan. Learn about Medicare and the Marketplace.

Ohio has accepted federal funding to expand Medicaid to provide free or low-cost coverage for men, women and families with limited monthly income, disabilities, and some other situations. An individual who earns less than $1354 per month or a family with a monthly household income of less than 138% FPL may be eligible for Expanded Medicaid in Ohio. See if you are eligible for Medicaid in Ohio and apply today.

*Monthly income of 138% includes individuals who are at 133% FPL with a 5% disregard during eligibility calculations.
Photo credit: Ohio Medicaid

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What documents do I need to apply for open enrollment healthcare?
Below is a checklist of what you need to make the enrolling process as smooth as possible.
– Information about your household size. Figure out who in your household should apply before you start your application.
– Home and/or mailing addresses for everyone applying for coverage. Information about everyone applying for coverage, like Social Security Numbers and birth dates.
– Information about the professional helping you apply, if you’re getting help completing your application.
– Information on how you file your taxes.
– Employer and income information for every member of your household (for example, from pay stubs or W-2s).
– Your best estimate of what your household income will be in 2020. Visit HealthCare.gov/income-and household-information/how-to-report for help estimating your income.
Policy numbers for any current health plans covering members of your household.
– A completed “Employer Coverage Tool” for every job-based plan you or someone in your household is eligible for.
– Notices from your current plan that include your plan ID, if you have or had 2019 Marketplace coverage.
– Document information for legal immigrants.

 

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Even if this information does not pertain to you, please forward and share in hopes it will reach the people who need health insurance. Also, you can check out a few more of our health articles including Black Doctors in Cincinnati, and Family Assistance Programs.

 

 

 

The Voice of Black Cincinnati is a media company designed to educate, recognize and create opportunities for African Americans. Want to find local news, events, job posting, scholarships and a database of local Black-owned businesses? Visit our homepage, explore other articles, subscribe to our newsletter, like our Facebook page, join our Facebook group and text VOBC to 797979.

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