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Health Insurance Marketplace

Affordable Health Insurance Is Here

 

The New Law
The Affordable Care Act requires everyone legally living in the U.S. to have health insurance beginning January 1, 2014. But it also gives millions of uninsured people access to health plans at different cost levels and it provides financial assistance to those who qualify based on family size and income.As of October 1, you are able to shop at a new online Health Insurance Marketplace, also known as an exchange, where you can one-stop-shop for a plan that fits your budget and coverage needs. We’re here to help you learn about the law and how to select the right plan for you and your family.

What Will the Plans Cover?
There will no longer be denials for pre-existing conditions. Coverage will include doctor visits, hospital stays, wellness care, prescriptions, emergency service and more. In fact, Ten Essential Health Benefits must be covered in every plan and certain Preventive Care services will be provided at no additional cost to patients.

Sign Up Begins October 1, 2013
If you do not have health insurance, you are required to sign up during open enrollment, from October 1, 2013 to March 31, 2014. You can shop for plans by phone, through a broker, or at the online Marketplace, where you can easily compare benefits and costs. If you do not sign up, you will face tax penalties. If you currently have “charity care,” you should sign up because with health insurance, you will be covered for things like doctors’ visits and medicine, which are not covered now – and may not be covered when your charity care coverage ends.

Take a few minutes to learn a little,
or a lot, about the New Law.

Long Overview Video

Short Overview Video

The New Marketplace
The Health Insurance Marketplace is available online, by phone, or through an approved insurance broker, and it’s designed to make buying health coverage easier by comparing plans side by side, in simple language and with no fine print. You will be able to choose between four levels of health plans – Platinum, Gold, Silver, and Bronze – from a variety of approved insurance providers, and each will have different amounts of coverage and different monthly premiums. Only one simple application will be required.

NOW OPEN!
If you live in New Jersey, you will use www.healthcare.gov to apply for coverage, compare plans and enroll in coverage.

Learn more about the Marketplace
in English or Spanish.

What is the Health Insurance Marketplace?

El Mercado de Seguros Medicos

Financial Assistance
Starting in 2014, a surprisingly large number of people will qualify for financial help. For example, an individual earning up to $45,900 a year, or a family of four earning up to $94,200 a year, will qualify for a reduction of their monthly premiums, or a tax credit at the end of the year. There are several good calculators available to give you a good idea of how much assistance will be available—before you even go to www.healthcare.gov Marketplace site. The Marketplace, however, will give you the exact amount of assistance you can expect.

Financial Assistance Calculator
One very simple calculator can be found at Get Covered USA: http://www.getcoveredamerica.org/calculator/

Another calculator option, from the Kaiser Family Foundation, is found below:

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

Household size 100% 133% 150% 200% 300% 400%
1 $11,490 $15,282 $17,235 $22,980 $34,470 $45,960
2 $15,510 $20,628 $23,235 $31,020 $46,530 $62,040
3 $19,530 $25,975 $29,286 $36,060 $58,590 $78,120
4 $23,550 $31,322 $35,325 $47,100 $70,650 $94,200
5 $27,570 $26,668 $41,355 $55,140 $82,710 $110,280

Why Choose Us?
When you compare plans, you’ll be able to see what hospitals are included in each one. Make sure you choose a plan that includes Lourdes Health System so you’ll always have the latest treatment options, leading-edge technology, and the region’s top-rated and most experienced physicians.

Learn more about Lourdes Health System >

The following plans on the Marketplace include us:

 

 

 

 

 

 

 

 

Other Resources
There is much to learn about the new healthcare law. We are here to help. Lourdes Health System is creating a health insurance library here to help you learn as much as you can to make the best decision for you and your family.

Contact Us

Have questions about the Health Insurance Marketplace? Counselors at Lourdes are available to speak with you and answer your questions.

  • Our Lady of Lourdes Medical Center, Camden, NJ: 856-757-3762
  • Lourdes Medical Center of Burlington County, Willingboro, NJ: 732-330-4415 

contáctenos

¿Tiene preguntas sobre el mercado de seguros de salud? Consejeros en Lourdes están disponibles para hablar con usted y responder a sus preguntas.

  • Nuestra Señora de Lourdes Medical Center, Camden, NJ: 856-757-3762
  • Lourdes Centro Médico del Condado de Burlington, Willingboro, NJ: 732-330-4415

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