What health concerns can I go to Planned Parenthood for?
With or without insurance you can go to both Planned Parenthood health centers in Nevada for reproductive health services. This includes: birth control, women’s health exams, breast and cervical cancer screening, STD testing and treatment, pregnancy testing and options counseling and the HPV vaccine.
Do I have to choose Planned Parenthood as my primary doctor to keep getting birth control?
You do not need to choose Planned Parenthood as your primary provider to continue getting birth control.
With insurance can I still go to my Planned Parenthood doctor?
Planned Parenthood Mar Monte accepts Nevada Medicaid, Anthem Blue Cross Blue Shield, Saint Mary’s Dignity Health and their Unified Insurance rider to cover contraceptives. We can provide receipts for other insurance plans so your visit can be counted towards your insurance deductible.
You can continue to go to the same Planned Parenthood doctor for your reproductive care, but you may need to see a different doctor for primary care services, such as treating allergies or the flu.
If I opt to pay the fine for no insurance or have another reason for not being insured can I still go to my Planned Parenthood doctor?
Yes! You do not need to be insured to come to Planned Parenthood health centers. Fees for the service provided are required at the time of the visit. We will discuss possible costs with you prior to your appointment.
What is health care reform?
Health care reform, or the Affordable Care Act, is a law created to increase access to health care coverage in the United States. Passed in 2010, the law also improves the quality and decreases the cost of health care services.
What do I need to do now?
To prepare for open enrollment, you should begin researching which health care coverage is best for you. Then you will be ready to choose your health coverage and provider when open enrollment starts in October.
If you have health insurance from your employer, you do not need to do anything.
I am covered by Medicaid now. Will that change?
No. If you already qualify for Medicaid now you will continue to qualify after health care reform.
Many more people will also qualify beginning in 2014. For example, single people who make less than $15,856 a year or families of four who make less than $32,499 will be covered by Medicaid.
If I don't have health insurance now, how will reform affect me?
If you do not have health insurance now, you will need to get health coverage by 2014. Your coverage will depend on how many people are in your family and your income level.
If you make more than $15,856 as a single person or $32,499 as a family of four you will have the option to buy health insurance through the Affordable Insurance Exchange. You may also be able to get tax credits or subsidies based on your income level.
If I already have health insurance, how will reform affect me?
If you already have health insurance that you pay for yourself, you may be able to get tax credits to help lower the cost. Health care reform also means that more services, such as birth control and well-woman visits, will be covered by insurance.
If you have health insurance from your employer, you do not need to do anything. But, if you are paying more than 9.5 percent of your income (or your family’s income) on health insurance, you may be able to get financial assistance through Nevada Health Link.
Can anyone get health care coverage?
Anyone who is a legal resident of Nevada can get health care coverage through Medicaid or Nevada Health Link. If you are not a legal resident, you may still receive medical care but must pay directly for services.
How do I find out if I can get health coverage?
Your level of coverage will depend on your age, how many people are in your family, and how much money you make each year. You can go to Nevada Health Link’s cost calculator to find out which coverage is right for you and how much you will have to pay.
Do I have to buy health insurance?
If you do not have some form of medical coverage - such as Medicaid, insurance from your employer, or private insurance you bought yourself - you will be required to have health insurance beginning in January 2014. If you do not, you will have to pay a penalty to the federal government.
In 2014, the penalty will be 1 percent of your income or $95 - whichever is higher. That amount will increase to 2 percent or $325 in 2015, and 2.5 percent or $695 in 2016.
How much will it cost to buy health insurance?
The cost for health insurance will depend on which type of insurance you choose to buy and whether you qualify for tax credits or subsidies. Those with lower incomes are more likely to receive tax credits. To find out exactly what your cost will be, go to Nevada Health Link’s cost calculator.
What if I can’t afford to buy health care coverage?
If you cannot afford to buy health care coverage, it is likely that you will be covered by Medicaid, or eligible for tax credits or subsidies. If not, it is still important that you get some level of health insurance. The cost to you otherwise, if an unexpected medical condition or accident happened, could be more than buying health coverage.
How can I lower my health care costs?
You may be able to lower your health care costs through Medicaid, tax credits, or subsidies.
- Medicaid: If you make less than a certain amount per year - $15,856 for a single person or $32,499 for a family of four - your health care costs may be covered by Medicaid.
- Tax credits: When you enroll in a health plan, tax credits can lower the amount you pay each month for coverage. Your eligibility for tax credits depends on how much income you make each year. If you make less than $45,960 if you are single or $94,200 if you are a family of four you may qualify. Tax credits can either be applied monthly to reduce your payment OR you can pay the full monthly payment and deduct the expenses from your taxes, but only if you buy the insurance from the marketplace, not private insurance.
- Subsidies: Depending on your income and family size, you may be able to get cost-sharing subsidies that would lower your cost for health care. You can get subsidies, meaning help with your insurance monthly payments, if you make less than $27,295 if you are single or less than $57,625 if there are four people in your family.
What’s the easiest way for me to compare health plans?
For those who are buying health insurance, there will be four basic levels of coverage, including platinum, gold, silver, and bronze. You can choose to pay more monthly and less at your medical appointments, or you can pay less monthly and more at your medical appointments.
Enrollment begins October 1, 2013 and ends March 31, 2014. You can go to Nevada Health Link’s website to compare coverage options and choose the best one for you. Coverage begins as early as January 1, 2014, depending on when you enroll.
Are there new health insurance options?
As a result of health care reform, there will be a new tiered system for buying health coverage through the Affordable Insurance Exchange. This will allow you to choose if you would rather pay more monthly and less at your doctor’s appointments, or more at your doctor’s appointments and less monthly.
Different plans work better for different people. Learn more about what plan might be right for you.
What if my income changes?
If your income changes, your health coverage may change as well.
If you were covered by Medicaid and your income goes above $15,856 if you are single or $32,499 if you have a family of four, you will no longer receive Medicaid assistance. But you will be able to apply for affordable health coverage through the insurance marketplace. You may also receive tax credits or subsidies.
If you buy insurance through the marketplace and your income changes during the next year, your tax credit may also change. If so, you will pay or receive the difference at tax time.
What if my family size changes?
If you marry, divorce or you have children or have additional children than what you have at enrollment that can affect your eligibility for Medicaid, Tax Credits or Subsidies. You may need to adjust your status during open enrollment to add or delete family members for your private or employer-purchased insurance.
What is Open Enrollment?
Open enrollment is the time period during which you can apply for insurance coverage and choose a primary provider. This year it will take place from October 2013 through March 2014. Your insurance will go into effect as early as January 1, 2014-dpending on when you enroll.