Navigating Health Insurance?
We're here to help.
Holy Cross has teamed up with the Broward Regional Health Planning Council to make sure you get and stay covered! Call 954-561-9681 to speak with an informed, helpful enrollment representative.
Health Insurance Provides Peace of Mind
Health insurance can be affordable. For some, government subsidies offset the cost of insurance. Others may be eligible for Medicaid when previously they were not. Avoiding penalties for not having insurance should be a factor too. Most importantly, health insurance provides peace of mind.
The Health Care Law
According to the Affordable Care Act, everyone who legally lives in the United States must have health insurance.
For millions of uninsured people, this law gives access to healthcare plans at different cost levels. Based on their income and family size, those who qualify also may receive financial assistance when purchasing these plans.
You may compare plans at the Health Insurance Marketplace, also known as an exchange. This one-stop shop allows you to choose a plan that fits your budget and coverage needs.
We’re here to help you learn about the law and how to select the right plan for you and your family.
What Will the Plans Cover?
All plans include coverage for doctor visits, hospital stays, wellness care, prescriptions, emergency services and more. In fact, there are 10 essential health benefits that are included in every plan, and certain preventive care services will be provided at no additional cost to patients. Insurers cannot deny coverage because of pre-existing conditions.
Essential Health Benefits
1. Ambulatory patient services
2. Emergency services
4. Maternity and newborn care
5. Mental health and substance use disorder services, including behavioral health treatment
6. Prescription drugs
7. Rehabilitative and habilitative services and devices
8. Laboratory services
9. Preventive and wellness services and chronic disease management
10. Pediatric services
Open Enrollment Begins November 1
If you do not have health insurance, you must sign up for 2017 coverage during open enrollment, from November 1, 2016 to January 31, 2017. You can shop for plans by phone, through a broker or at the online Marketplace, where you can compare benefits and costs easily. Those who do not sign up will face tax penalties.
If you currently have “charity care,” you should sign up for health coverage. With health insurance, you will be covered for things like doctors’ visits and prescription medicines, which are not covered now – and may not be covered when your charity care coverage ends.
If you are interested in receiving one-on-one assistance to compare insurance options, call 954-561-9681 to speak with an enrollment representative.
You may also visit Healthcare.gov for additional information.