Lost in a Health Insurance Maze of Confusion? St. Mary is here to help with free assistance on health Insurance.
The Health Insurance Marketplace, also known as an exchange, allows consumers to review and compare health insurance plans available to them from insurance companies. 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.
If you need help to understand your health insurance options, or in signing up for coverage, St. Mary can help. Appointments are available with our trained Assistors, who can explain options and personally guide you through the process of creating an account, choosing a plan, and enrolling for health care coverage.
To make an appointment with a St. Mary representative, call 215-710-5888.
We have centers throughout Bucks County to help you:
To download this schedule click here or on the image.
Residents of Pennsylvania and New Jersey are on the Federal Exchange, which can be accessed online at www.healthcare.gov or www.cuidadodesalud.gov.
For information in other languages, visit https://www.healthcare.gov/language-resource/.
Important Dates for 2015 Enrollment
- November 15, 2014 to February 15 2015: Open Enrollment Begins for 2015
- December 31, 2014: Coverage ends for plans bought in 2014
The Affordable Care Act (the ACA, sometimes called Obamacare) requires everyone legally living in the U.S. to have health insurance. Those who are not covered by health insurance will face tax penalties that will increase every year going forward.
Choosing a Health Insurance Plan
Plans on the marketplace are available in five levels -- Platinum, Gold, Silver, Bronze and Catastrophic -- from a variety of insurance providers. The plans provide different amounts of coverage and have different monthly premiums. When reviewing plan options, there are some important factors to consider:
- The health status of you and your family
- Your budget
- The healthcare providers you want to be able to see
Make sure your health insurance plan includes St. Mary – a Truven Top 100 Hospital and the most preferred health care provider in the Bucks County Region. With more than 700 exceptional physicians conveniently located, you can expect the health care you deserve at St. Mary. Make sure you understand what your monthly costs will be, what your copays will be at time of service, and whether the doctors you prefer will be on the plan.
For more information on how to choose a plan (either on the marketplace, through your employer, or on a private exchange), download our “7 Key Questions to Ask When Choosing a Plan.”
What Do Health Insurance Plans Cover?
Under the law, pre-existing conditions must now be covered with every plan. Coverage must include doctor visits, hospital stays, wellness care, prescriptions, emergency services 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 costs to patients.
A surprisingly large number of people will qualify for financial help. This link will give you a good idea of how much assistance will be available based on your income and the number of dependents on your plan. Once you apply at the Marketplace, you will find out the exact amount.
What You Will Need to Apply
Whether you shop on the Marketplace by yourself, or come to St. Mary for assistance, you can use the following checklist to set up an account and enroll:
- Picture ID (license, passport, student ID)
- Knowledge of whether you are Independent, or declared a dependent on another’s income tax
- Date of birth
- Social Security number for U.S. citizens or document numbers for legal immigrants
- Adjusted Gross Income (AGI) from 2014, W-2 forms, and all reportable income for all applicants
- Email address and password for current email account (if you don’t have one, the St. Mary team will help you create one)
- Policy numbers for any current health insurance plans covering members of your household
- Once you enroll, you should expect to file taxes for 2014