Health Insurance Marketplace FAQs

What is the Marketplace?
The Marketplace in an online application that allows you to search for new health insurance options. Through this tool you are able to find new coverage whether you have insurance already or not. This site can help you compare coverage through costs, services, and other helpful areas.  You are also able to enroll in your selected plan right on the website.

How can I access the Marketplace?
The Marketplace can be found at www.healthcare.gov. Many states have their own state marketplace, others, like Pennsylvania, will utilize the National Marketplace. Once you are on the healthcare website it will direct you to the correct page for your state.

Do I qualify for insurance through the Marketplace?
There are many different aspects to look at when applying for health insurance on the Marketplace. The beauty of it all is that everyone qualifies- – you may simply have to pay a different amount. To find out if you qualify, visit www.healthcare.gov and enter your information. You will need your income and family size as well as some other personal information to receive an accurate quote.

Will I still be able to use MFHS?
Absolutely! In fact, our goal is to still be able to provide you with the same quality of service that you’ve already been receiving. MFHS accepts a wide variety of insurance plans. Please keep in mind that with or without insurance MFHS will never stop caring- – our services are always accessible!

Will my insurance be accepted everywhere?
The insurance you choose will be subject to the acceptance of network providers. If there is a specific doctor, hospital, or facility that you are interested in it is best to contact them directly and find out what insurance they accept before enrolling. MFHS will continue to accept patients with or without insurance, but we encourage you to take the steps that are best for your needs.

What does the healthcare law mean for me if:

  • I already have insurance?
    If you already have insurance you do not need to do anything. However, your options have opened up. Just like everyone else, you should stop by the online marketplace and see if you qualify for lower-cost insurance. This tool will allow you to compare different insurance options side-by-side so that you can see what better fits your needs. If you’re happy with what you have then there is no need to take any further action!
  • I don’t have insurance?
    If you don’t have health insurance, the new law requires you to find coverage. Failure to do so may result in a fine at the end of the year. As with all circumstances there are exceptions to this law and you can visit www.healthcare.gov to see if you are eligible to have the fine waived. We encourage you to explore your healthcare options on the Marketplace and see if you qualify for no or low-cost health insurance.

What if I already have Medicaid, Medicare or CHIP?
The Marketplace will let you know, in addition to out-of-pocket healthcare, if you are eligible for Medicaid or CHIP. If you are already enrolled in Medicaid, Medicare or Chip then you do not have to change your plan, but you may explore your options. If you have any questions regarding Medicaid or CHIP coverage it is best to contact your local office for further assistance.

How does the Healthcare Law affect me as a College Student?
If you’re covered by your school’s student health plan, chances are you’re considered covered under the new health care law. You won’t have to pay the penalty that people without coverage will have to pay. Check with your student health plan to see if it meets the criteria for coverage under the law. Even if you are covered, you are still able to review coverage options aside from what is available through your school. Visit the Marketplace to see if you qualify for different coverage.

What are the benefits of signing up for insurance?
Signing up for insurance means that you will have access to more care centers such as hospitals and doctor’s offices. You will pay less for your visits and medications. As a whole, your options will broaden and your out-of-pocket costs will lessen. In the event of a medical emergency, insurance plays a vital part and can save you thousands of dollars toward medical bills. It is always important to consider the bigger picture when choosing health insurance. Catastrophic events happen every day and insurance coverage will lessen the burden.

How much will the insurance plans cost?
The cost of your individual insurance plan will vary depending on income, household size, and other data that the Marketplace will collect from you. Visit www.healthcare.gov to find out what your cost range will be. There is no obligation to sign up once you enter your information.

How do I choose a plan?
Choosing a plan may seem confusing, but there are many resources available to help you through. Once you get started it will become significantly easier to navigate. When navigating the Marketplace, take note of the plans you are eligible for and cross-reference them with the plans your provider of choice accepts. If you have any questions, contact the provider directly to make sure they accept the insurance you wish to enroll in. Make use of the comparison tool as well to see what each individual plan includes and costs and choose the option that best fits your needs and budget.

Where can I go if I need help with my insurance?
Go to Healthcare.gov and click ‘find local help’ to find someone near you.

Are there important enrollment dates that I need to be aware of?
Yes! There are a few dates that are important to keep in mind when searching for new health insurance.  These dates are as follows:
November 1, 2015: Open Enrollment begins
January 1, 2016: New plan takes effect: If you sign up for health insurance after this date, your insurance will take effect on the 1st of the following month.
January 31st, 2016: Open Enrollment ends: please note that if you have not signed up for health insurance by this date you will have to wait until the next open enrollment period to do so.  Failure to sign up for insurance by this time may result in a fine. Visit healthcare.gov for more information.

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