FREEWAY HEALTH INSURANCEHEALTH CARE COVERAGE UNDER THE NEW LAWSFriday, October 10

Why do you need health insurance?

• Your health affects your quality of life. • Without insurance, you could be responsible

for the entire bill of a hospital stay, treatments, and medication.

• With a health plan, you can get routine checkups, preventitive care, and save money by choosing the coverage you want.

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HEALTH INSURANCE IS THE LAWStarting January 1, 2014, under the Affordable Care Act (ACA) or Obamacare, everyone is required to have health insurance coverage.

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What are My Rights and Protection?*

1. Ban on Discriminating Against Kids with Pre-Existing Conditions

2. Ban on Insurance Companies Dropping Coverage

3. Ban on Insurance Companies Limiting Coverage

4. Ban on Insurance Companies Limiting Choice of Doctors

5. Ban on Insurance Companies Restricting Emergency Room Care

6. Guaranteeing You a Right to Appeal

7. Covering Young Adults on Parent’s Plan

8. Covering Preventitive Care with No Cost

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Under the Affordable Care Act, a new “Patient’s Bill of Rights” gives people the flexibility to make informed choices. It includes the following new protections:

*Source: www.whitehouse.gov

How Do You Get Health Insurance?• Insurance can be purchased through Covered California, a

new online Marketplace. • Plans can be purchased outside the Marketplace but you

won’t be eligible for premium tax credits or lower out-of-pocket costs based on you income.**

• If you qualify for job-based insurance, you can switch to a Marketplace plan.

• If you have Medicare, you’re considered covered. You can’t use the Marketplace to buy a supplemental plan or dental plan.

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**Source: www.healthcare.gov

Common Health Insurance Plans• The most common types of health insurance plans

include:• HMO• PPO• Medicare

• If you don’t have coverage, the penalty for no health insurance may result in a yearly fee!

• Medicare isn’t part of the Health Insurance Marketplace. Therefore, you cannot apply through the Marketplace.

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VISIT THE MARKETPLACE.

For more information about free health insurance,

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