New Health Care Benefits For You and Your Family!
A new 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), are getting ready to provide you and your family with the information you need to take advantage of these new and exciting changes.
Beginning October 2013, 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!
Starting today, 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 new low-cost health insurance between October 1, 2013 and March 31st, 2014. Beginning October 1, 2013, individuals and families in California will be able to apply for Medi-Cal or shop for health insurance through an organization called Covered California. A new website will soon be available where individuals can easily find out what type of insurance they qualify for, compare the new 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 starting in October 2013. For example, beginning in October adults without children may qualify (currently these individuals do not 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 meet the Medi-Cal income requirement, you have a second option. For individuals who make more than $15,282 but less than $28,725 for a family of four with combined income between $31,555 – 58,875 and are still unable to afford private insurance, the Medi-Cal Bridge Plan is available. It will be sold through Covered California, will cost less than private plans and most will qualify for financial help to pay for it.
If you don’t qualify for Medi-Cal, you will be able to purchase NEW 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 will soon have to cover the same prevention care and 10 health services. The new law will require 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 will have to cover 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 will no longer be turned away from insurance plans based on pre-existing conditions. By January 2014, insurance companies will no longer be able to 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 to purchase private plans through Covered California. In addition, they are also eligible for financial assistance.
SYHC has special assistants that will guide you and help you understand how these changes benefit you and your family. Please contact us at 619-662-4100 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