Since the launch of the Affordable Care Act’s (ACA) open enrollment on October 1, many people have had questions about whether or not they qualify for health insurance and what they need to do to apply. If you’re having trouble understanding how the Affordable Care Act affects you, look no further. LIVESTRONG is here to help.
We’ve broken down the process of enrolling in the Health Insurance Marketplace into 5 easy steps. You can also learn more at www.LIVESTRONG.org/ACA.
Determine your options and eligibility
The first step is determining whether or not you’re eligible for health insurance through the new marketplaces or if you qualify for the expanded Medicaid program. Millions of individuals also will qualify for a new premium tax credit that will help pay for health coverage.
- What are (OR Why should I check out) the marketplaces?
- Do I qualify for Medicaid?
- Do I qualify for the new premium tax credit?
Do your research
Learn how insurance coverage can help you. Plans available in the insurance marketplace provide free preventive care and also coverage for individuals with pre-existing conditions. The health care law also ended annual and lifetime caps on insurance benefits, although some plans will have separate limits until 2015. Below is a list of helpful resources for cancer survivors seeking new coverage.
- Cancer Insurance Checklist
- Patient Advocate Foundation’s marketplace guide
- Young Invincibles Network’s frequently asked questions
- The Kaiser Family Foundation’s Subsidy Calculator
Talk to your family
It’s important to discuss with your family members the type of coverage you require, including the type of prescription drug coverage that suits your family’s needs and budget. Health plans range from basic to comprehensive.
Enroll in insurance coverage
You can apply for coverage online, by mail or in person by filling out a short application. And know that you’re not alone; in every state, trained navigators and certified application counselors can help you throughout the process. For additional support, log on to healthcare.gov or call 1-800-318-2596.
Call the LIVESTRONG Foundation
You can reach the LIVESTRONG Foundation online at LIVESTRONG.org, toll-free by phone at 1-855-220-7777 or in person at our headquarters in Austin. You’ll receive free confidential and personalized assistance to determine your insurance eligibility and review important benefits for cancer survivors.