Affordable Care Act (ACA) at a Glance
Starting October 1 there will be new health insurance plans available to people without insurance. Planned Parenthood of the St. Louis Region and Southwest Missouri health centers will be a part of these plans so be sure to choose a plan that includes Planned Parenthood. Financial help may be available to make coverage more affordable.
These plans cover birth control with no co-pay, doctor visits, hospitalizations, maternity care, ER care, and other prescriptions. Help will be available online, by phone, and in person so that you can find the right insurance plan for you and your family.
Planned Parenthood of the St. Louis Region and Southwest Missouri provides high-quality, nonjudgmental, confidential health care to women, men and teens across the country. We're here for you every step of the way. We'll keep you updated on how Obamacare could benefit you, and help you decide which health insurance plan will best help you and your family.
What Is the Affordable Care Act (ACA)?
The Affordable Care Act (ACA) is an exciting step forward for women and families across the country. Also known as health care reform or Obamacare, the ACA makes it easier for those who are uninsured to get affordable health insurance. These plans cover things that are important to you, including birth control with no co-pay, doctor visits, hospitalizations, maternity care, ER care, and other prescriptions. And, under Obamacare, insurance plans will no longer be able to deny you coverage based on pre-existing conditions like diabetes or cancer. Visit www.healthcare.gov to learn more.
How Do I Figure Out Which Health Insurance Plan is Right For Me?
If you're uninsured, you may be able to get health insurance through an expanded Medicaid program or through the new online health insurance marketplace in Missouri and Illinois.
It can be hard to figure out which health insurance plan is right for you, and how much you'll have to pay. Here are some of the things that are used to determine how you'll be covered:
o Your age
o How many people there are in your family
o How much money you make each year
Starting October 1 you'll be able to find out which plan works for you and how much it will cost at www.healthcare.gov.
Attention Illinois Residents: In 2014 you may be eligible through an expanded Medicaid program.
What Is the Health Insurance Marketplace?
Enrollment in new health insurance plans starts on October 1. You'll be able to shop for health insurance and compare plans through online "marketplaces" that will be set up in each state. The marketplace will allow you to get information about each plan and to compare all the plans side-by-side.
You may also be eligible to get tax credits, based on your income and family size, to help you buy low-cost health insurance coverage.
For example, a single person who makes up to $46,000 a year or a family of four earning up to $94,000 a year may be able to get tax credits.
The only requirements to get insurance through the marketplace are:
o You must be a U.S. citizen or lawfully living in the U.S.
o You can't be currently incarcerated.
Visit www.healthcare.gov to learn more.
How Does the ACA Affect Medicaid?
Illinois Residents: On January 1, Medicaid programs will expand to cover people under age 65, including
o People with disabilities
o Individuals who make $15,000 or less per year
o Families of four who make $31,000 or less per year
The Medicaid expansion may help those whose income is currently above their state's eligibility levels. Medicaid programs vary by state, so check with your state Medicaid office for more information.
To learn more about Missouri and Illinois Medicaid programs and other options available to you, use the insurance and coverge finder or visit Medicaid.gov.
I Already Have Health Insurance. Does this Affect Me?
As part of the Affordable Care Act, health insurance plans must provide birth control with no co-pay.
The full range of FDA-approved contraceptive methods — like the pill, the ring, and the IUD — may be available to you without a co-pay or other out-of-pocket expenses. The benefit begins at different times for different health care plans. Check with your health insurance company to find out if your plan covers this new benefit.
The best way to find out whether your plan is covering birth control without a co-pay is to call your insurance company. Check out these tips for talking with your insurance company about covering birth control.