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Affordable Health Insurance


The Health Care Law

Everyone who lives in the United States must now have health insurance according to the Affordable Care Act. This law gives millions of uninsured people affordable health care insurance options. Those who qualify may also receive financial assistance.

You can compare plans online at the Health Insurance Marketplace. It’s your one-stop shop for plans that fit your budget and insurance needs. And to learn what you need to know about the law, you’re already at the right place. We’ll help you understand the law and select the right plan for you and your family.

What Do the Plans Cover?

  • Doctor visits
  • Hospital stays
  • Wellness care
  • Prescriptions
  • Emergency service
  • And more

Actually, every plan has to cover 10 essential health benefits and some preventative care services are also included at no extra cost. What's more, insurers cannot deny coverage because of pre-existing conditions.

Mercy Health and Blue Care Network have a plan just for you.
Mercy Health gives residents in West Michigan access to quality, affordable care through Blue Cross® Partnered and the Affordable Care Act. The plan covers Mercy Health doctors, hospitals, affiliated providers and offers many other benefits. 

Find out if the Blue Care Network / Mercy Health plan called Blue Cross Partnered is right for you.

Open enrollment for 2015 coverage started November 15, 2014 and ends February 15, 2015.

If you don’t have insurance, visit the Marketplace at www.HealthCare.gov where you can compare plans and sign up. You should know that there are tax penalties if you don’t have health insurance, so do it as soon as you can. 

  • For coverage to start on January 1, 2015, purchase it no later than December 15, 2014. 

Need help signing up?
Just call the Marketplace at 1-800-318-2596.

Were you insured through the Marketplace last year?
If you got insurance through the Marketplace last year, it’s possible that you’ll be automatically re-enrolled for 2015. If so, you’ll get a notice from the Marketplace and your insurance carrier. But if you’d like, you can also shop for a new plan.

Has your income or household size changed?
You need to report income and household size changes to the Marketplace so you get the right premium tax credit. If you don’t update this info, you’ll get the same tax credit as in 2014. And if your income has gone up or your household size has changed and you don’t report it, you may owe money when you file your tax return in 2015.

Do you currently have “charity care”?
If you do, you are encouraged to sign up for Medicaid. With Medicaid, you’ll be covered for doctor visits and medicine. You can sign up for Medicaid at any time of the year.

Mercy Health is happy to help you with your health care coverage needs.
Call us at 866-611-1513 or fill out this form for more information.

Also, remember to find out if the Blue Care Network / Mercy Health plan called Blue Cross Partnered is right for you.

 

The Marketplace

The Health Insurance Marketplace is designed to help you buy health coverage more easily.

You can get coverage through the Marketplace:

  • Online at www.HealthCare.gov
  • By phone at 1-800-318-2596
  • Through an approved insurance broker

Compare plans online side by side. They’re simple to follow, and there’s no fine print. Choose between four levels of health plans – Platinum, Gold, Silver and Bronze – from a variety of approved insurance providers. Each plan offers different amounts of coverage and different monthly premiums. Only one simple application is required.

Now available!
Open enrollment for 2015 coverage started November 15, 2014 and ends February 15, 2015.

Mercy Health is happy to help you with your health care coverage needs. 
Call us at 866-611-1513 or fill out this form for more information.

Also, remember to find out if the Blue Care Network / Mercy Health plan called Blue Cross Partnered is right for you.

 

Financial Assistance

Don’t think you’re eligible? You’d be surprised at how many people qualify for financial help when buying health insurance.

For example, someone who earns up to $45,900 a year, or a family of four earning up to $94,200 a year, qualifies for reduced monthly premiums or a tax credit at the end of the year.

The Marketplace will let you know the exact amount of assistance you can expect, but you can estimate how much assistance you may be entitled to by using one of the following financial calculators right now.

Financial Assistance Calculator
Use this simple calculator for quick and easy answer.

Premium Assistance for Coverage in Exchanges
Enter different incomes, ages and family sizes using this calculator to estimate your eligibility for assistance and health insurance costs.

Financial Assistance Income Chart
Look for you income and household size on this chart to see if you qualify.

Mercy Health is happy to help you with your health care coverage needs. 
Call us at 866-611-1513 or fill out this form for more information.

Also, remember to find out if the Blue Care Network / Mercy Health plan called Blue Cross Partnered is right for you.

Why Choose Us?

When you compare plans, make sure you choose one that includes Mercy Health services and locations so you'll always be assured you’re getting the latest treatment options, leading-edge technology and physicians from some of the nation's finest medical schools. To remove all doubt, simply choose the Blue Cross® Partnered plan we offer with the Blue Care Network.

Find out if the Blue Care Network / Mercy Health plan called Blue Cross Partnered is right for you.

Mercy Health is happy to help you with your health care coverage needs.
Call us at 866-611-1513 or fill out this form for more information.

 

 

 

Automatic Plan Renewals

If you bought a health plan through the Marketplace in 2014, you’ll probably be automatically enrolled for 2015. If you don’t take any action, your coverage will start January 1, 2015. But you should update your income and household information to be sure you get the right amount of savings for 2015.

You can change plans for 2015 coverage, even if you’re automatically enrolled. 2015 plans and estimated prices are now available.

If you are automatically enrolled:
You should receive a notice from the Marketplace and your health insurance company. The notice from your health insurance company will tell you if:

  • You’ll be enrolled in the same plan you had in 2014
  • You’ll be enrolled in a similar plan

Why might your plan not be the same you had in 2014?
Insurance companies sometimes change the plans they offer. But they can’t move you to a different plan based on your health or how much care you use. You can be moved to another plan only if the insurance company is no longer offering the plan you had to anyone in your area.

Do you have to accept the plan you’re automatically enrolled in?
You can accept the automatic enrollment in the similar plan or change plans. If you want to change, you must enroll in the new plan by December 15, 2014, for your new plan to start January 1, 2015.

Will you receive the same 2014 tax credits and savings?
If you’re automatically enrolled, your Marketplace notice will tell you if your premium tax credits and other savings will be the same or if you won’t get any premium tax credits or other savings.

Two possible reasons for not receiving savings:

  • Updated income information from the IRS shows you may not qualify for savings in 2015.
  • When you filled out your 2014 Marketplace application, you didn’t allow the Marketplace to use your updated tax information for future years.

Important: You must report changes to the information you provided on your 2014 Marketplace application.

You must update the information you provided on your 2014 Marketplace application, like your income, who’s in your household, and whether you can get coverage through a job – even if you accept your automatic enrollment.

Learn more about reporting changes.

More questions? Here are more answers.

  • What if I don’t like the plan my insurance company wants to enroll me in automatically?
    • You can enroll in a different plan.
    • Enroll by December 15, 2014, to make sure your new coverage starts by January 1, 2015.
    • Even if you’re automatically enrolled in the plan you don’t like on January 1, 2015, you can still change plans until Open Enrollment ends on February 15, 2015. After this deadline, you can’t change plans for the rest of 2015 unless you qualify for a Special Enrollment Period.
  • What if I think the information used to determine my savings is wrong?
    • Starting November 15, 2014, you can log into your Marketplace account and update your 2015 Marketplace application with the right information.
    • You’ll get new eligibility results, which will show any savings you qualify for in 2015 based on the updated information you provided. You can then enroll in the plan offered by your insurance company or change to a different one.
    • Important: After you get your new eligibility results, be sure to finish the application process and enroll in a plan, even if you want to stay in the same plan. If you don’t, your new information won’t be sent to the insurance company.
  • What if I’m automatically enrolled in the same plan, but the premiums and copayments have gone up?
    • Insurance companies can change plan prices and features, but they can’t raise your premiums or change your coverage based on your health or how much care you use. Learn more about how insurance companies set premiums.
    • If your plan prices and benefits no longer meet your needs, you can change plans for 2015 starting November 15, 2014 – even if you’re to be automatically enrolled in your current plan.
  • What if my notice says I’ll be automatically enrolled, but I won’t get the tax credit and savings I had in 2014?
    • This may happen if income information from the IRS shows you may not qualify for savings in 2015. It also could happen if you didn’t allow the Marketplace to use your updated tax information for future years when you applied for 2014 coverage.
    • Important: You still may qualify for savings for 2015, so it’s very important to update your 2015 application with your latest income and household information.
    • To make sure you get the right savings, log into your Marketplace account starting November 15, 2014 and update your application with any income, household and other changes you expect in 2015. You’ll get new eligibility results that explain if you qualify for a premium tax credit and other savings in 2015 and, if so, how much.
  • Instead of letting automatic enrollment happen, can I go into my Marketplace application and sign up for my same plan again?
    • Yes, as long as the same plan is being offered in 2015. Your insurance company notice will say if it is.
    • Tip: You’ll need the plan identification number from the notice you get from your insurance company to make sure you sign up for the same plan or for the similar plan your insurance company is offering. (You can also find the number for your current plan on your My Plans & Coverage page in your Marketplace account.)
    • When you log into your Marketplace account, be sure to update your household, income, and other information on your 2015 application. You’ll get new eligibility results that show the savings you qualify for in 2015. Be sure to pick your same plan and then finish your enrollment.
    • Important: After you get new eligibility results, you must continue the process and enroll in a plan, even if you want to stay in the same plan you had in 2014 or enroll in the similar plan your insurance company is offering. If you don’t finish the new enrollment, your insurance company won’t get your updated information.
  • How do I find out if my plan or provider network will change for 2015?
    • If it’s important to you to keep certain providers, check with your insurance company to make sure your providers will still be in the plan’s network in 2015. You can also contact your providers directly to see which Marketplace plans they will accept in 2015. If you change your current plan, it’s important to do this.
  • What if I don’t update my income and household information until after my automatic enrollment?
    • Just log into your Marketplace account and make the updates to your 2015 application as soon as possible after automatic enrollment. When you update your information, you’ll get new eligibility results. Your premium tax credits and other savings may change based on your new information. You could also qualify for different coverage.
    • Important: When you get new eligibility results, you must finish the process and enroll in a plan, even if it’s the one you currently have. If you don’t, your insurance company won’t get your new information.
  • If I’m being automatically enrolled with a premium tax credit, will it be updated based on new income information from the IRS?
    • No. When you’re automatically enrolled with a premium tax credit and other savings, your savings are the same as you had in 2014. That’s why it’s so important to update your income and household information.
    • Starting November 15, you can report changes you had in 2014 and those you expect in 2015. If you don’t, your savings could be less than what you qualify for in 2015. You may also have to pay back premium tax credits you didn’t qualify for on your 2015 federal tax return.
  • What if my notice says I’ll be automatically enrolled in a plan outside the Marketplace?
    • If your company automatically enrolls you in a plan outside the Marketplace for 2015, you have the same choices as anyone who’ll be enrolled automatically. You can accept the automatic enrollment or change plans.
    • Important: If you enroll in a plan outside the Marketplace, you aren’t eligible for premium tax credits or lower out-of-pocket costs on your coverage. You must use the Marketplace to enroll if you want to qualify for savings. Check out this chart to see if your income falls within the range to qualify for savings.

Mercy Health is happy to help you with your health care coverage needs.
Call us at 866-611-1513 or fill out this form for more information

Also, remember to find out if the Blue Care Network / Mercy Health plan called Blue Cross Partnered is right for you.