Understanding the Healthcare Marketplace When You're On Dialysis

By Brianna Blake, DaVita® Insurance Counselor

More and more articles, speeches and advertisements are surfacing regarding the Affordable Care Act and Marketplace (formerly known as Exchanges). It can be somewhat confusing and that is why the Insurance Management Team at DaVita is available to assist DaVita patients with reviewing the plan options that best fits their needs, whether through the Marketplace or another resource.

What is the Healthcare Marketplace?

The Marketplace is a website designed to help individuals, families and small businesses compare and purchase health insurance. The Marketplace is another way for you to buy an individual insurance plan.

When is the Marketplace Open Enrollment?

In 2013, you can enroll in a plan through the Marketplace from October 1, 2013 through March 31, 2014.

If you enroll in a private health insurance plan any time before December 15, 2013, and make your first premium payment, your new health coverage starts January 1, 2014. After that, your coverage will begin that following month (or second month, depending on when you enrolled into a plan). If you experience a qualifying life event, you may be able to enroll through a special enrollment period.

How do I know if I qualify or need coverage through the Marketplace?

To be eligible for coverage through the Marketplace, you must live in the United States and be a lawful resident.

You may need coverage, if:

  1. Your employer is no longer offering coverage (including if you were previously covered under a retiree policy); or
  2. You currently have a Pre-Existing Condition Insurance Plan (PCIP) or State High Risk insurance policy that will be terminated on December 31, 2013.

It should be noted that the Exchange (now referred to as the Marketplace) was designed to offer private health insurance to individuals who do not otherwise have access to coverage. 

How can an Insurance Management Team member help?

As a DaVita patient, your Insurance Management Team member is your dedicated resource for all insurance questions and problems. They can help you understand your plan options, provide a cost comparison in order for you to be able to make an informed decision regarding the best coverage for you, and even assist with the enrollment process should you wish to enroll. There is still a lot of information that is unknown at this time about plans offered in the Marketplace, however, the Insurance Management Team member will keep you updated as more information is available.

Do you have questions? Do you think you may need new coverage through the Marketplace? Contact an insurance specialist today!

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