Why do I need health insurance?

At CHI, we believe that having health insurance is one step toward a healthier, happier life. Health insurance is a service you pay for – there to help you maintain good health through preventive care and there for the unpredictable times of life when your health, or the health of a loved one, takes a turn for the worse. Thankfully, health insurance is available to millions more people now because of the Affordable Care Act. In fact, most new enrollees qualify for financial assistance that helps pay their monthly premiums, and some people even qualify for free care.

That’s why it’s important to enroll in health insurance.

The Affordable Care Act was created to ensure everyone can get the healthcare they need regardless of their budget, even if they are sick or have a prior health issue. In fact, it mandates that everyone must enroll in health insurance, otherwise they will be required to pay a fine. If you’re one of the remaining uninsured, or if you will be re-enrolling for new insurance coverage for 2017, you can begin shopping for an insurance plan that fits your needs and budget. For coverage starting in 2017, open enrollment begins November 1, 2016 and ends on January 31, 2017. New plans and new pricing are available for coverage in 2017.

How do I enroll?

The many ways to enroll, including the following:

Online at healthcare.gov

Over the phone at 1-800-318-2596

In person at your local CHI facility
  or you can find another local organization to help on localhelp.healthcare.gov 

By a paper application found online at marketplace.cms.gov

Spanish speakers can find assistance at cuidadodesalud.gov

Which plan should I choose?

On healthcare.gov, you will be able to compare between different levels of healthcare plans from a variety of approved insurance providers. Each will have different amounts of coverage and different monthly premiums. Only one simple application is required. Inperson assistance is available to help you to compare plans and coverage options.

How much will health insurance actually cost?

The cost of health insurance depends on your age, gender, income and tobacco use as well as the plan you choose.

Visit getcoveredamerica.org/calculator/ to estimate the cost of your health insurance as well as the potential benefits.

What will my health insurance plan include?

All marketplace plans must cover the following list of preventive services without charging you additional fees– without a copay or coinsurance. Screenings are also available based on certain criteria and conditions, and all these services will be available through a provider in your designated health care network. If you have a preferred provider, your choice of insurance plans will be important. Check to ensure your providers participate in your new plan. Here are some of the services and screenings that will be available to you:

Preventative Screenings For All Adults

  1. Abdominal aortic aneurysm one-time screening
  2. Alcohol misuse screening and counseling
  3. Aspirin use
  4. Blood pressure screening
  5. Cholesterol screening
  6. Depression screening
  7. Diabetes (Type 2) screening
  8. Diet counseling
  9. HIV screening
  10. Vaccines and immunizations
  11. Obesity screening and counseling
  12. Sexually transmitted infection (STI) prevention counseling
  13. Syphilis screening
  14. Tobacco use screening

Preventative Screening For Women

  1. Anemia screening
  2. Breast cancer genetic test counseling (BRCA)
  3. Breast cancer mammography screenings
  4. Breast cancer chemoprevention counseling
  5. Breastfeeding comprehensive support and counseling
  6. Cervical cancer screening
  7. Chlamydia infection screening
  8. Contraception
  9. Domestic and interpersonal violence screening and counseling
  10. Folic acid supplements
  11. Gestational diabetes screening
  12. Gonorrhea screening
  13. Hepatitis B screening
  14. HIV screening and counseling
  15. Human papillomavirus (HPV) test
  16. Osteoporosis screening
  17. Rh incompatibility screening
  18. Sexually transmitted infection (STI) counseling
  19. Syphilis screening
  20. Tobacco use screening and interventions
  21. Urinary tract or other infection screening
  22. Well-women visits

Preventative Screenings For Children

  1. Alcohol and drug use assessments for adolescents
  2. Autism screening
  3. Behavioral assessments
  4. Blood pressure screening
  5. Cervical dysplasia screening
  6. Depression screening
  7. Developmental screening
  8. Dyslipidemia screening
  9. Fluoride chemoprevention supplements
  10. Gonorrhea-preventative medication
  11. Hearing screening
  12. Height, weight and body mass index measurements
  13. Hematocrit or hemoglobin screening
  14. Hemoglobinopathies or sickle cell screening
  15. HIV screening
  16. Hypothyroidism screening
  17. Immunization vaccines
  18. Iron supplements
  19. Lead screening
  20. Medical history
  21. Obesity screening and counseling
  22. Oral health risk assessment
  23. Phenylketonuria (PKU) screening
  24. Sexually transmitted infection (STI) prevention counseling and screening