United Way of Monroe County is working with the community to help residents locate, review, and renew affordable health care and health care coverage options. Having health insurance is an important way to avoid a financial crisis and, under the Affordable Care Act (ACA), all U.S. residents are required to have health care coverage. This might include insurance you have through your employer or through the Federal Health Insurance Marketplace, Medicare, Medicaid, Healthy Indiana Plan (HIP), Hoosier Healthwise, or Children's Health Insurance Program (CHIP). Not having health coverage can result in a federal tax penalty.
Volunteers in Medicine is available for community members not eligible for any of these plans.
Over the past several years, as part of the ACA Enrollment Committee's efforts to help people find the right health insurance coverage, United Way has worked to increase the Navigator capacity in Monroe County. These Navigators are state-certified citizens, trained to provide unbiased help enrolling residents in Marketplace coverage and state plans.
To ensure everyone has an opportunity to speak with a Navigator about finding or renewing a plan, especially during the busiest enrollment times, United Way is working to host Navigators at outreach events throughout the community and available at some of the Free Community Tax Service sites during the enrollment period.
The Health Insurance Marketplace
How to Enroll
Are you ready to enroll? Go to www.healthcare.gov to apply for coverage, see side-by-side comparisons of plans, and review prices. Then choose a plan that meets your medical needs and enroll. If you've had coverage through the Marketplace, take these steps to ensure you keep, or maybe improve, your plan for 2017. Call 1-800-318-2596, TTY: 1-855-889-4325 to start or finish an application, compare plans, enroll or ask a question.
Remember, open enrollment begins on November 1, 2016 and ends on January 31, 2017. The deadline for coverage starting on the first of the year is December 19, 2016, so don't delay.
General Enrollment Information
Interested in learning more about the Marketplace, healthcare coverage options, and the enrollment process? These resources can help answer your questions.
- Quick Guide to the Marketplace
The Quick Guide provides a rundown on the most important things to know about the Health Insurance Marketplace. If you want to expand your knowledge beyond the Quick Guide, hover your mouse over the Get Answers tab and select the topic area you are interested in. www.healthcare.gov/quick-guide/one-page-guide-to-the-marketplace/
- Marketplace Application Checklist
When you apply for or renew your coverage in the Health Insurance Marketplace, you’ll need to provide basic information about you and your household. Use this checklist to help gather what you need to apply for coverage. https://marketplace.cms.gov/outreach-and-education/marketplace-application-checklist.pdf
Has Your Plan Changed?
United Way of Monroe County reminds you to take the time to check your plan for changes and updates prior to re-enrolling. Even if you are happy with your current plan, its avaliability may have changed. We encourage all citizens looking to re-enroll to pay close attention to the deadlines: December 15, 2016 for coverage starting at the first of the year and January 31, 2017 for general open enrollment.
If your plan has changed, or if you need assistance with renewing enrollment, state-certified Navigators are avaliable to help.
Navigator Assistance for Monroe County Residents
Indiana Navigators are certified by the state. They provide unbiased help to enroll residents in healthcare plans. There are several local resources that can guide you through the enrollment process, explain coverage options, talk with you about subsidies and tax credits that can lower your healthcare costs, answer questions, and help you enroll. Assistance from Navigators at these organizations is provided free of charge:
- Individual Solutions - IU Health: Call 1-800-313-1328 to make an appointment to see a certified Navigator or visit http://iuhealth.org/individual-solutions.
- ASPIN Health Navigators: Call 877-313-7215 for Navigator Assistance or visit http://www.aspinhealthnavigator.org/.
- SCCAP Health Coverage Asssistance Program: Call 812-339-3447 for assistance or visit http://www.insccap.org/pages/hcap.
- Cover Monroe: These services are now being provided by the South Central Community Action Program at no charge. Call 812-339-3447 for Navigator assistance.
- City of Bloomington: Call 812-349-3851 for enrollment assistance. Para Español 812-349-3860 o email@example.com.
- Monroe County Health Department: Call or e-mail Scott Stowers, Certified Health Insurance Navigator, at (812) 349-2075 or firstname.lastname@example.org.
You can also dial 2-1-1 or visit www.in211.org/healthcare-project to learn how to apply, try a health insurance cost calculator, and get more local information.
Visit www.in.gov/healthcarereform/2468.htm to find a certified Indiana Navigator near you. (Please note that not all certified Navigators on this list provide free services. Confirm that services are free before making an appointment.)
Other Healthcare Options
|The FamilyWize Prescription Discount program, while not healthcare coverage, can reduce the cost of medicine for families and individuals with or without prescription drug coverage at participating local pharmacies. Follow this link for more information.|
Some individuals are eligible for other types of government coverage. A Navigator can help you learn about these programs:
- Indiana Medicaid:
The Indiana Medicaid program offers several ways to get coverage, including "Traditional Medicaid." There are programs for people who are low income, have a disability, are pregnant, or have special medical needs. To see if you are eligible for any Indiana Medicaid program, visit http://member.indianamedicaid.com/programs--benefits/medicaid-programs.aspx.
- Healthy Indiana Plan (HIP)
HIP is for uninsured low-income Hoosiers between the ages of 19-64 who do not qualify for Medicaid or Medicare. To see if you may qualify or to learn more about HIP, visit www.in.gov/fssa/hip.
- Hoosier Healthwise
Hoosier Healthwise is a health care program for low-income parents/caretakers, pregnant women, and children. To see if you may qualify or to learn more about Hoosier Healthwise visit http://member.indianamedicaid.com/programs--benefits/medicaid-programs/hoosier-healthwise.aspx.
- Children’s Health Insurance Program (CHIP)
The Children's Health Insurance Plan (CHIP) is for youth 19 and younger. To see if your child may qualify or to learn more about CHIP visit http://www.in.gov/fssa/ompp/2545.htm.
Medicare is a federal health insurance program for people 65 and older, and for eligible people who are under 65 and disabled. To see if you may qualify or to learn more about Medicare visit http://www.in.gov/idoi/2497.htm.
- Volunteers in Medicine (VIM)
VIM, located in Bloomington, provides free primary care, dental, and mental health services; treatment for acute and chronic conditions; and preventive health education for uninsured adults in Monroe and Owen counties meeting eligibility criteria. To see if you may qualify or to learn more about VIM visit http://vimmonroecounty.org/services.php.
The ACA Enrollment Committee works to ensure everyone in our area has access to quality, affordable health coverage that works for them and their family. The committee includes representatives from United Way of Monroe County, the Monroe County Health Department, the City of Bloomington, IU Health Bloomington Hospital, insurance agencies, the South Central Community Action Program, and other community groups.
Would you like to help ensure our community members have their basic needs met?
Please consider donating to the United Way Essentials Priority Fund. This fund helps individuals and families meet basic needs with access to sufficient food, a stable place to live, low-cost health care, and the information and skills to manage crises.