Health Care Benefits For You and Your Family!
The federal law called The Affordable Care Act (ACA), also known as “Obamacare,” makes health insurance more available and affordable for more individuals and families. We, at San Ysidro Health Center (SYHC), can provide you and your family with the information you need to take advantage of these changes.
People who don’t have insurance or can’t afford their current insurance may be eligible for Medi-Cal under new changes or can purchase new low-cost insurance plans which have more protections and benefits than ever before!
We are here to help you understand what this means for you and your family and answer any questions you may have.
READ ABOUT THE IMPORTANT CHANGES THAT MAY AFFECT YOU!
If you and your family do not have health insurance, you will need to apply for Medi-Cal or purchase low-cost health insurance before March 31st, 2014. Individuals and families in California are able to apply for Medi-Cal or shop for health insurance through an organization called Covered California. At the Covered California website individuals can easily find out what type of insurance they qualify for, compare the insurance plans and determine if they can receive financial help to pay the monthly cost.
If you did not qualify for Medi-Cal before, you may be eligible now. For example, adults without children may qualify. Also if you make less than $15,282 or you have a family of four with a combined income of less than $31,555 then you are now eligible for Medi-Cal.
If you don’t qualify for Medi-Cal, you are able to purchase low-cost private health insurance. In San Diego the plans include 1) Anthem 2) Blue Shield 3) HealthNet 4) Kaiser 5) Molina and 6) Sharp. The major difference between the plans will be the monthly cost based on the type of coverage you can afford and the doctors and hospitals included in the plan.
All the insurance plans have to cover the same prevention care and 10 health services. The law requireres that all insurance plans must provide free services such as annual check-ups for women, health screening tests (for Cancer, Diabetes, HIV, etc.), birth control, breast feeding supplies, domestic violence counseling.
Each plan covers the following 10 Essential Health Benefits:
- Preventive and wellness services; chronic disease management
- Ambulatory patient services
- Emergency services
- Maternity and newborn care
- Mental health and substance use disorder services
- Prescription drugs
- Rehabilitative services and devices
- Laboratory services
- Pediatric services
Children and adults can no longer be turned away from insurance plans based on pre-existing conditions. Since January 2014, insurance companies can no longer deny coverage to people with pre-existing conditions or charge them more.
Most individuals with incomes less than $28,000 and families of four with incomes less than $58,000 will qualify for financial support from the Federal or State government to pay for health insurance. An online calculator is available on Covered California’s website to determine amount of assistance and the individual’s share of cost.
Lawfully present immigrants (including new residents living in the U.S. under 5 years) are eligible for Medi-Cal and plans offered through Covered California. For more information clic on the link Welcome to Answers Immigration 14-0206.
SYHC has special counselors called Certified Eligibility Specialists that will guide you and help you understand how these changes benefit you and your family. Please contact us at 619-600-3000 for more information.
You can also visit the Covered California website for information on the insurance plans and financial assistance available at: http://www.coveredca.com/
Watch a video explaining these new healthcare changes