Why do I need health insurance? - CHI Health, Nebraska (NE) - Southwest Iowa (IA)

Healthcare Exchange Open Enrollment

At CHI, we believe that having health insurance is one step toward a healthier, happier life. Health insurance is a service you pay for – there to help you maintain good health through preventive care and there for the unpredictable times of life when your health, or the health of a loved one, takes a turn for the worse. Thankfully, health insurance is available to millions more people now because of the Affordable Care Act. In fact, most new enrollees qualify for financial assistance that helps pay their monthly premiums, and some people even qualify for free care.

Open enrollment for health insurance coverage in 2017 will run from November 1, 2016 – January 31, 2017.

What is the Affordable Care Act?

The Affordable Care Act was created to ensure everyone can get the healthcare they need regardless of their budget, even if they are sick or have a prior health issue. In fact, it mandates that everyone must enroll in health insurance, otherwise they will be required to pay a fine. If you’re one of the remaining uninsured, or if you will be re-enrolling for new insurance coverage for 2017, you can begin shopping for an insurance plan that fits your needs and budget. For coverage starting in 2017, open enrollment begins November 1, 2016 and ends on January 31, 2017. New plans and new pricing are available for coverage in 2017.

How do I enroll?

The many ways to enroll, including the following:

Spanish speakers can find assistance at cuidadodesalud.gov

Which plan should I choose?

On healthcare.gov, you will be able to compare between different levels of healthcare plans from a variety of insurance providers. Each will have different amounts of coverage and different monthly premiums. Only one simple application is required. In- person assistance is available to help you to compare plans and coverage options.

How do I ensure my doctor and hospital are in-network?

Which plans have CHI Health hospital and doctors in-network? On healthcare.gov web site, you can compare between different healthcare plans from a variety of approved insurance providers. You can also check to see if your preferred healthcare provider is in-network. CHI Health hospitals and doctors are in network for the following plans:

  • Aetna
    • If you reside in Omaha, CHI Health is in-network with only CHI Health Omaha, HSA Eligible plans
  • Aetna Leap - This is an individual & small group Aetna plan. Limited network Aetna Leap℠ plans will be identified in the network name on the member ID card.
    • Aetna Leap℠ - CHI Health Omaha
    • Aetna Leap℠ - Broad: Individual and small group plans available in all Nebraska Counties outside of Douglas and Sarpy are offered a full provider network.
    • Aetna Leap℠ - MIPPA and Aetna Leap℠ - Nebraska Health Network are Not in Network
  • Medica

How much will health insurance actually cost?

The cost of health insurance depends on your age, gender, income and tobacco use. There are various tools available to help estimate the cost of your health insurance as well as the potential benefits

On healthcare.gov you can estimate how much having health insurance will actually cost you on an annual basis as you select different products depending on how often you expect to see a doctor, get lab tests done, refill prescriptions, etc. Even if you only go to the doctor a few times a year, health insurance can be very economical.

What does my health insurance plan include?

All marketplace plans must cover preventive services without charging you additional fees– without a copay or coinsurance. Screenings are also available based on certain criteria and conditions, and all these services will be available through a provider in your designated health care network. If you have a preferred provider, your choice of insurance plans will be important. Check to ensure your providers participate in your new plan.

Additionally, all insurance plans are required to cover doctor visits, hospitalizations, maternity care, emergency room care, preventative care and prescriptions, and for people with pre-existing conditions, insurance plans cannot deny coverage or charge more. There are no lifetime limits on coverage – an insurance company cannot stop paying for medical treatments because an identified dollar amount has been exceeded.

Additional Resources:

•    CMS Consumer FAQ's and Fact Sheets
•    Kaiser: Understanding Health Insurance
•    Get Covered America Calculator
•    Information on Special Enrollment Qualifications