Healthcare Begins Here

Key dates

Health Insurance Marketplace

  • Open enrollment:
  • October 1, 2013 -
  • March 31, 2014

  • Coverage begins:
  • January 1, 2014 if you enroll
  • December 15, 2013


Medicare Part D

  • Open enrollment:
  • October 15 -
  • December 7, 2013

  • Coverage begins:
  • January 1, 2014


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A lot of people have questions about
the new healthcare changes

Here are some helpful answers
to the most common questions.


How does the Affordable Care Act affect me?
Healthcare laws will take effect in 2014 that provide a new way to get health insurance. Starting January 2014 most people will be required to have qualified coverage.

Answer

What is the new Health Insurance Marketplace?
The Health Insurance Marketplace is a new way to find coverage that fits your budget and meets your needs. With the Health Insurance Marketplace you will be able to shop for health insurance online, by phone or through an agent or navigator.

Answer

What if I have Medicare?
Medicare isn't part of the Health Insurance Marketplace, so you don't need to make any changes. If you have Medicare, you are considered covered.

Answer

Do I qualify for Medicaid?
You qualify for Medicaid based on income and family size. If you're eligible, you get free or low-cost care and don't need to buy a Marketplace plan.

Answer

What if I get health insurance through my employer?
If you have job-based health insurance you like, you can keep it. You're considered covered. You may be able to change to Marketplace coverage if you want to.
Any job-based health plan you currently have qualifies as minimum essential coverage. You don't need to change to a Marketplace plan in order to avoid the fee that uninsured people may have to pay for 2014.

Answer

What if I don't have health coverage in 2014?
If you can afford it but don't have health insurance coverage in 2014, you may have to pay a fee. You must also pay for all of your care.
Source: https://www.healthcare.gov/

Answer

Learn about the healthcare plans available

Children's Health Insurance Program (CHIP)

Covers children of families who don't qualify for Medicaid but can't afford to buy health insurance. Every state operates their own CHIP although most states have unique names for their program. In some states, CHIP and Medicaid are combined into one program.

Enrollment period: Open year-round
Coverage begins: At enrollment
Contact: Your local Medicaid or CHIP office

Source: https://www.healthcare.gov/ and Centers for Medicare and Medicaid Services

Medicare

Medicare insurance provides healthcare coverage for people 65 and older, people under the age of 65 with certain disabilities, and people with End-Stage Renal Disease.

Medicare Part A and B are administered by Centers for Medicare and Medicaid Services (CMS). There are several different parts of Medicare: Medicare Part A, Medicare Part B and Medicare Part D. Medicare Advantage and Supplemental plans are also available.

For Medicare Part A and Part B:
Enrollment period: Dependent upon birthdate
Contact: 1 800 Medicare (1-800-633-4227)

For Medicare Advantage, Supplemental, and Part D Prescription Drug Coverage:
Enrollment period: October 15, 2013 - December 7, 2013
Contact: 1-855-372-3939
Coverage begins: Effective date determined at enrollment

Health Insurance Marketplace

The Marketplace simplifies your search for health coverage by gathering the options available in your area in one place. You can compare plans based on price, benefits, quality and other features important to you before you make a choice. Insurance plans in the Marketplace are offered by private companies, and they cover the same core set of benefits called "essential health benefits".

There are four categories of Marketplace insurance plans: Bronze, Silver, Gold and Platinum. The categories help you choose a plan that's right for you. The categories do not reflect the quality or amount of care the plans provide. The category you choose affects how much your premium costs each month and what portion of the bill you pay for things like hospital visits or prescription medications. It also affects your total out-of-pocket cost - the total amount you'll spend for the year if you need lots of care.

Note: The Marketplace also offers "catastrophic" plans to people under 30 years old and to some people with very low incomes.

Enrollment period: October 1, 2013 - March 31, 2014
Coverage begins: As soon as January 1, 2014
Learn more>

Source: https://www.healthcare.gov/ and Centers for Medicare and Medicaid Services

Private Insurance Plans

Private insurance is coverage provided by an employer or purchased individually through a broker or agent.

Enrollment period: Varies depending on your employer or open year-round if purchased individually
Coverage begins: Effective date determined at enrollment

Source: https://www.healthcare.gov/ and Centers for Medicare and Medicaid Services

Medicaid

Provides free or low-cost health insurance to lower income individuals, families, pregnant women and people with disabilities.

Eligibility requirements are determined by each state, so check with your local Medicaid office for more information. Medicaid eligibility will expand in many states in 2014, so even if you didn't qualify before, you might now.

Enrollment period: Open year-round
Coverage begins: Effective date determined at enrollment
Contact: Your local Medicaid office

Source: https://www.healthcare.gov/ and Centers for Medicare and Medicaid Services


Did you know https://www.healthcare.gov
Marketplace Medicaid Childrens Health Insurance Program Private Insurance Plans Medicare Healthcare Enrollment

This brochure and the information within are provided as informational resources only. The content is from other public sources and is reproduced here for the convenience of consumers. Walmart does not guarantee accuracy of this information.

Health Insurance Marketplace

The Marketplace simplifies your search for health coverage by gathering the options available in your area in one place. You can compare plans based on price, benefits, quality and other features important to you before you make a choice. Insurance plans in the Marketplace are offered by private companies, and they cover the same core set of benefits called "essential health benefits".

There are four categories of Marketplace insurance plans: Bronze, Silver, Gold and Platinum. The categories help you choose a plan that's right for you. The categories do not reflect the quality or amount of care the plans provide. The category you choose affects how much your premium costs each month and what portion of the bill you pay for things like hospital visits or prescription medications. It also affects your total out-of-pocket cost - the total amount you'll spend for the year if you need lots of care.

Note: The Marketplace also offers "catastrophic" plans to people under 30 years old and to some people with very low incomes.

Enrollment period: October 1, 2013 - March 31, 2014
Coverage begins: As soon as January 1, 2014
Learn more>

Source: https://www.healthcare.gov/ and Centers for Medicare and Medicaid Services

Medicaid

Provides free or low-cost health insurance to lower income individuals, families, pregnant women and people with disabilities.

Eligibility requirements are determined by each state, so check with your local Medicaid office for more information. Medicaid eligibility will expand in many states in 2014, so even if you didn't qualify before, you might now.

Enrollment period: Open year-round
Coverage begins: Effective date determined at enrollment
Contact: Your local Medicaid office

Source: https://www.healthcare.gov/ and Centers for Medicare and Medicaid Services

Children's Health Insurance Program (CHIP)

Covers children of families who don't qualify for Medicaid but can't afford to buy health insurance. Every state operates their own CHIP although most states have unique names for their program. In some states, CHIP and Medicaid are combined into one program.

Enrollment period: Open year-round
Coverage begins: At enrollment
Contact: Your local Medicaid or CHIP office

Source: https://www.healthcare.gov/ and Centers for Medicare and Medicaid Services

Private Insurance Plans

Private insurance is coverage provided by an employer or purchased individually through a broker or agent.

Enrollment period: Varies depending on your employer or open year-round if purchased individually Coverage begins: Effective date determined at enrollment

Source: https://www.healthcare.gov/ and Centers for Medicare and Medicaid Services

Medicare

Medicare insurance provides healthcare coverage for people 65 and older, people under the age of 65 with certain disabilities, and people with End-Stage Renal Disease.

Medicare Part A and B are administered by Centers for Medicare and Medicaid Services (CMS). There are several different parts of Medicare: Medicare Part A, Medicare Part B and Medicare Part D. Medicare Advantage and Supplemental plans are also available.

For Medicare Part A and Part B:
Enrollment period: Dependent upon birthdate
Contact: 1 800 Medicare (1-800-633-4227)

For Medicare Advantage, Supplemental, and Part D Prescription Drug Coverage:
Enrollment period: October 15, 2013 - December 7, 2013
Contact: 1-855-372-3939
Coverage begins: Effective date determined at enrollment