Affordable Care Act and You
As part of the Affordable Health Care Act, U.S. citizens and legal residents will be required to have qualifying health coverage by January 1, 2014
Ohio has chosen to use the federal exchange for health insurance rather than implementing a state-based exchange. The federal exchange is located online at Healthcare.gov
The federal exchange will open October 1, 2013. If an individual wishes their health insurance to begin January 1, 2014, they must enroll by December 15, 2013. Open Enrollment will close March 31, 2014.
There are four methods an individual can use to apply for health care insurance:
Call in toll-free at 1-800-318-2596
Apply online at Healthcare.gov
Apply in person with a certified navigator at a designated local area:
Community Action Commission of Belmont County
153 1/2 West Main Street
St. Clairsville, OH 43950
Ohio Hills Health Services
101 East Main Street
Barnesville OH, 43713
By mail at:
Health Insurance Marketplace
Dept. of Health and Human Services
465 Industrial Blvd.
London, KY 40750-0001
What Can the Library Do to Help?
The Affordable Care Act includes sweeping changes and a number of options in healthcare coverage. There are a wide variety of resources available online that provide information about these options, and how to choose what is best for you. The Staff of the St. Clairsville Public Library can direct patrons to those resources.
Making the correct healthcare choices requires an understanding of each person’s or family’s unique health and financial circumstances. Members of the St. Clairsville Public Library staff are not trained or licensed to provide advice or to assist you in selecting a specific health plan, but can provide information and direction to public resources about the Affordable Care Act that will help you make your own choices.
Basic Information Needed During Sign Up.
Below is a list of the minimum information you will need in order to apply for coverage.
Social Security Numbers (or document numbers for legal immigrants)
Employer and Income Information for every member of your household who needs coverage (for example, pay stubs, W-2, Wage and Tax Statements
Policy Numbers for any current health insurance plans covering members of your household
4 Steps To Protect Yourself From Fraud
1. Be informed.
Visit HealthCare.gov, the official Marketplace website, to learn the basics.
2. Protect your personal information. .
Don’t give your private information to companies you didn’t contact yourself.
3. Ask questions and verify the answers you get.
Visit HealthCare.gov or call 1-800-318-2596 to find local help in your area.
4. Report Anything Suspicious
If you suspect fraud, report it! 1-800-318-2596
7 Things You Can do To Get Ready
1. Explore current options. Visit HealthCare.gov to learn more about health insurance.
2. Learn about different types of health coverage. Through the Marketplace, you’ll be able to choose a health plan that gives you the right balance of costs and coverage.
3. Make a list of questions you have before it’s time to choose your health plan. For example, “Can I stay with my current doctor?” or “Will this plan cover my health costs when I’m traveling?”
4. Make sure you understand how insurance works, including things like premiums, deductibles, out-of-pocket maximums, copayments, and coinsurance. Visit HealthCare.gov to learn more.
5. Gather basic information about your household income. To find out how much you’re eligible for, you’ll need income information like the kind you get on your W-2, pay stubs, or tax return.
6. Set your budget. There will be different types of health plans to meet a variety of needs and budgets. You’ll need to figure out how much you want to spend on premiums each month.
7. Ask your employer if it plans to offer health insurance in 2014. If not, you may need to get insurance through the Marketplace or from other sources in 2014.
Key Dates To Remember.
⦁ October 1, 2013: Open health plan enrollment starts.
⦁ December 15, 2013: Last day to enroll for coverage to start by January 1, 2014.
⦁ January 1, 2014: Health coverage plans come in to effect for everyone enrolled by December 15.
⦁ March 31, 2014: Open health plan enrollment ends
Helpful Organization Phone Numbers & Websites
Health Insurance Market Place
Ohio Dept. of Insurance
Ohio Senior Health Insurance
Information Program (OSHIIP)
Ohio Dept. of Health
Ohio Public Health Departments
Ohio Family Coverage Coalition