Archive for October, 2014

Tales of Scary Medical Costs: Not Having Health Insurance Could Haunt You With Cringe-Worthy Bills for Years to Come

October 30, 2014

COLUMBUS, OH – It’s Halloween season, thus the right time of the year to share some stories about the frightening cost of high medical bills that can result for consumers who do not have health coverage. The dollar amounts can be ghastly. Medical costs can be hair-raising for the uninsured, skyrocketing with every procedure and test needed for diagnosis and treatment.

Top five spooky stories about the high cost of not having health insurance:

  1. Ohio is home to some spooky and scary poisonous spiders like the black widow and brown recluse. Getting treatment for an infection after a spider bite could run you up to $200 without insurance or 33 cans of bug spray.
  2. Getting stitches from a vampire bite? That could cost you $400 without insurance. That’s enough to buy 800 garlic cloves.
  3. Halloween is right in the middle of football season and – from the Football Hall of Fame to Ohio’s college and professional teams – Ohioans can’t get enough of the pigskin. But that sprained ankle from your flag football game could cost $1,000 without insurance or around 10 tickets to a professional football game.
  4. On a ghost tour of a haunted Civil War Hospital, you may get scared and trip and fall down the stairs, possibly breaking a leg. The price? Without health insurance, it could cost $2,500 to treat or around 208 copies of the movie “Ghostbusters.”
  5. Maybe you haven’t exercised in a while and are a bit out of shape, but didn’t want to miss out on trick-or-treating. All the walking and frightening ghosts and ghouls can cause a heart attack. A lot of specialists might be involved in caring for you, including through surgery and a stay in the hospital, adding up to a spine-chilling, blood-curdling $65,000 or around 7,222 bags of candy.

The solution is simple: plan to get covered by shopping for a plan on the Health Insurance Marketplace as soon as open enrollment begins on November 15. There is no need to be alarmed by the cost, as 84% of the more than 154,000 Ohioans who purchased a plan through the Marketplace during the first open enrollment cycle qualified for financial assistance to lower their monthly premiums.

Open enrollment runs from November 15 to February 15. You can learn more about the Affordable Care Act, your coverage options, and how you can get covered atwww.getcoveredamerica.org or by contacting a Get Covered America Ohio office in Cleveland (216-314-2392), Cincinnati (513-667-2304), or Columbus (614-636-0385).




Not Having Health Insurance Could Haunt You With Cringe-Worthy Bills for Years to Come

October 28, 2014

Halloween-in-EuropeIt’s Halloween season, thus the right time of the year to share some stories about the frightening cost of high medical bills that can result for consumers who do not have health coverage. The dollar amounts can be ghastly. Medical costs can be hair-raising for the uninsured, skyrocketing with every procedure and test needed for diagnosis and treatment.

Top five spooky stories about the high cost of not having health insurance:

1. Cacti are everywhere in Arizona, much like sneaky spiders. Being as clumsy as a poltergeist could pit you against the spines of a cholla or prickly pear, which stick in your skin like white to a ghost. An emergency visit to get them removed could make $525 of your hard-earned money vanish into thin air.

2. Not drinking enough water during the warm, fall days in the state’s deserts leaving you dry as a bone? Getting dehydrated could cost you nearly $200 at a health care facility for a hydration infusion.

3. Everyone in Arizona hikes the peaks or canyons at some point during the year. Sometimes the rocks get loose and move on their own like an apparition, prompting you to trip and fall, possibly breaking a leg. The price? Without health insurance, it could cost $2,500 to treat.

4. What’s that? You didn’t hear the rattle of the poisonous rattlesnake that just clamped down on your ankle and feasted like a hungry vampire? Anti-venoms aren’t cheap and neither is the cost of treatment. The bill on this one could run you a terrifying $15,300.

5. Maybe you haven’t exercised in a while and are a bit out of shape, but want to get started now so you can escape trick-or-treaters with their increasingly fearsome costumes. Climbing treacherous peaks and mountains could cause a heart attack if you’re not used to them. A lot of specialists might be involved in caring for you, including through surgery and a stay in the hospital, adding up to a spine-chilling, blood-curdling $65,000.

The solution is simple: plan to get covered by shopping for a plan on the Health Insurance Marketplace as soon as open enrollment begins on November 15. There is no need to be alarmed by the cost, as 77% of Arizonans who purchased a plan during the first open enrollment cycle (which ended in March) qualified for financial assistance to lower their monthly premiums. Intimidated by the process? Call 2-1-1 and you can be directed to in-person, free enrollment assistance.

More than 400,000 Arizonans have enrolled in coverage since October 2013, either through the Marketplace (120,000 enrollees) or Medicaid (more than 300,000) through the Arizona Health Care Cost Containment System (AHCCCS).

Open enrollment runs from November 15 to February 15.

(Cost source: U. S. Department of Health and Human Services, HealthCare.gov)

Follow us on Twitter @GetCoveredAZ.
#GetCovered #StayCovered




There are Options for Domestic Violence Survivors

Domestic violence is a serious issue — and health insurance should be the last thing someone has to worry about if they’re currently being or have recently been abused. In the spirit of Domestic Violence Awareness Month, share this info with anyone you know who may have experienced abuse:

  1. There are special rules that could make it easier for survivors to get help paying for their health insurance.
  2. If you have recently experienced domestic violence, you can apply for an exemption from the fine for not having health insurance.
  3. You can no longer be turned down or charged more for coverage because you are a domestic violence survivor.
  4. If you have health insurance, domestic violence screening and counseling is free (and so is all preventive care).

In-person help is available to answer any health insurance questions. If you know someone who is being abused, let them know that there are options to get health coverage. And let them know that there’s help at the National Domestic Violence Hotline at 1-800-799-SAFE.




How Reinette Got Covered for 17 Cents a Month

October 20, 2014

As a cancer survivor, Reinette in North Carolina knows how important quality, affordable coverage can be. She went without health insurance for almost a whole year, and she relied on a local clinic for her medical care during that time.

But when she sat down with an in-person assister, she found out she could get help paying for health insurance. That brought the cost of her Silver plan down to 17 cents a month. “You can’t beat that,” Reinette said.

Now, she can enjoy free preventive care that will help keep her healthy. All for 17 cents a month.

Spread the word: Financial help is here.

See what you could qualify for!




Queda un mes para el comienzo para la inscripción a Obamacare: ¡Lo que todos los latinos deben saber para asegurarse y mantener su cobertura médica!

October 14, 2014

COLUMBUS, OH — Ha empezado la escuela, el verano se acaba y llega el otoño, y una fecha muy importante está a la vuelta de la esquina: El próximo miércoles será un mes antes de que comience el segundo periodo de inscripción abierta de la Ley de Salud, conocida también como Obamacare. El 15 de noviembre, los residentes de Ohio sin seguro o sin un seguro de salud adecuado, podrán inscribirse en cobertura médica económica de calidad a través de Obacamare, o renovar un plan de salud que hayan conseguido anteriormente gracias a la ley.

Durante el primer periodo de inscripción abierta, la tasa de latinos sin seguro médico disminuyó del 36 % al 23 %, lo cual significa que ahora cientos de miles de latinos y sus familias gozan de la paz mental de estar protegidos. El próximo periodo de inscripción abierta brinda otra oportunidad para aprovechar las opciones de cobertura médica disponibles a través de la Ley de Salud, y conseguir un plan médico que cumpla con sus necesidades y esté al alcance del bolsillo.

Por eso compartimos a continuación cinco datos que todos los latinos de Ohio deben saber acerca de la inscripción abierta:

1. El periodo de inscripción abierta comienza el 15 de noviembre.

Durante el primer periodo de inscripción abierta, 154,000 residentes de Ohio se inscribieron en cobertura médica disponible a través de Obamacare. El 15 de noviembre abrirá un nuevo periodo de inscripción abierta, el cual concluirá el 15 de febrero de 2015. Durante ese plazo de tiempo, los residentes de Ohio que no tienen seguro médico podrán ir al Mercado de Seguros Médicos para seleccionar un plan que cumpla con sus necesidades y presupuesto.

Si no tienes seguro médico o necesitas renovar el tuyo, el 15 de noviembre será tu oportunidad para encontrar un plan médico que esté a tu alcance y te dé la paz mental de estar protegido. En el caso del Medicaid, la inscripción está disponible todo el año, así que las familias de bajos recursos pueden inscribirse hoy.

2. ¡ 84 % de los residentes de Ohio obtuvieron ayuda financiera para hacer su seguro médico más económico!

Para muchos latinos, los gastos del cuidado médico son una preocupación muy real al tomar decisiones de salud. En el pasado, muchas personas no podían pagar un seguro médico porque el costo del cuidado de la salud era astronómico, y una de las comunidades más afectadas por esa realidad fue la comunidad latina.

Lo bueno es que hay ayuda financiera disponible para ayudarte a pagar por un plan médico, lo cual hace tener un plan verdaderamente económico. De hecho, el 84 % de los residentes de Ohio obtuvieron ayuda económica para pagar menos por su plan, y más del 50 % actualmente pagan menos de $100 al mes.

3. Hay ayuda en persona disponible para que entiendas tus opciones y te inscribas en un plan.

Para muchas personas el proceso de inscripción puede ser confuso, especialmente si llevan mucho tiempo sin seguro médico. Si caes en esa categoría, quizás quieras reunirte físicamente con una persona y hablar con ella, en español y cara a cara, sobre tus opciones. Y no eres la única persona que lo prefiere, ya que las encuestas han demostrado que la ayuda en persona para inscribirse en un plan de salud ha sido crítica para que la comunidad latina se inscriba y encuentre cobertura médica que cumpla con sus necesidades.

Puedes conseguir ayuda gratuita y en persona ahora mismo, de asistentes bilingües en tu comunidad que han sido certificados para sentarse contigo, explicarte tus opciones en tu idioma, y ayudarte a tomar la mejor decisión de cobertura médica para ti y tu familia. Y si ya tienes seguro a través de Obamacare, los asistentes te pueden ayudar a renovar tu plan de salud si deseas conservarlo.

4. Puedes comenzar a pensar ya en cuál tipo de plan médico cubrirá tus necesidades y estará al alcance de tu bolsillo.

Todo el mundo tiene necesidades y realidades financieras distintas, así que comienza a pensar ya en el tipo de cobertura médica que quieres y puedes pagar. Cada plan es diferente, pero todos se te explicarán en un lenguaje sencillo y podrás compararlos lado a lado al momento de inscribirte. Así que puedes aprender más hoy, en español, sobre los mejores planes para ti y prepararte para tomar acción el 15 de noviembre enhttps://www.getcoveredamerica.org/es/.

5. Todos los planes cubren servicios esenciales, así que sabes que estarás protegido.

Todos los planes médicos disponibles bajo Obamacare deben cubrir 10 beneficios esenciales, dándote así la tranquilidad de que el plan médico que escojas será un plan de calidad. Estos beneficios incluyen citas médicas, cuidado preventivo, medicamentos, visitas a la sala de emergencias y cuidado prenatal, por mencionar algunos. Esto significa que todas las personas que se inscriban podrán recibir el cuidado médico que necesitan, incluido el cuidado preventivo, para mantenerse saludables.

Y ningún plan te puede negar cobertura por tener una condición médica preexistente. Por primera vez las personas que padecen enfermedades como diabetes, enfermedades del corazón y asma pueden encontrar cobertura médica económica, lo cual no hubieran podido lograr en el pasado por tener una condición médica.

El 15 de noviembre marca una oportunidad histórica para los latinos que actualmente no tienen un seguro médico. Con estos cinco datos sencillos, tú puedes prepararte para el comienzo de la inscripción abierta y actuar para protegerte y proteger a tu familia con un seguro médico económico de calidad. También recuerda que si no te inscribes para el 15 de febrero, podrías tener que pagar una multa, así que actúa de inmediato.

Puedes aprender más sobre la Ley de Salud, tus opciones de cobertura médica, y cómo ayudar a tus familiares y amigos a obtener cobertura médica en el sitio web en español de Get Covered America, https://www.getcoveredamerica.org/es/.

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Financial Help to the Rescue: Coverage for 22 Cents a Month

October 13, 2014

Elsie from Detroit, Michigan, was down on her luck. After she was laid off, she kept her former employer’s insurance through COBRA. But when the payments became too expensive, Elsie decided to go without coverage at the age of 62.

With high blood pressure and some other health concerns, Elsie didn’t want to risk it any longer. Thanks to the financial help that’s now available, Elsie was able to sign up for a Silver plan for just 22 cents a month.

That’s not even a quarter a month!

Health insurance could be more affordable than you think. Ready to find out how much financial help you could qualify for?

See what you could qualify for!




Coverage for $5.23 a Month? Yes, Please!

October 10, 2014

You probably don’t believe your eyes, but it’s true: Andreea from Lansing, Michigan, got covered last year for $5.23 a month!

Andreea is a student at Michigan State University. When she was dropped from her parents’ plan, she went without health insurance for 3 years.

But now, she can rest easy knowing she has coverage in case something happens. And with financial help, she signed up for a Silver plan for just $5.23 a month, saving Andreea about $215 a month.

If you think you can’t afford health insurance, you might be surprised! But there’s only one way to find out…

See what you could qualify for!




Get Covered. Stay Covered.

October 3, 2014

Over 8 million Americans now enjoy the peace of mind and financial security that comes with having quality, affordable health insurance.

If you’re one of them, you can renew your coverage starting November 15th. Some of your options could have changed, including:

  • Your plan choices and prices
  • Your doctors, hospitals, and prescriptions
  • Your financial help

Here are a few steps you need to take to stay covered:

  1. See what financial help you could qualify for.
  2. Shop around in the Marketplace.
  3. Pick a plan that fits your needs and your budget. If your current plan works for you, you can renew it.

Need a hand? Don’t forget that in-person help is available — at no cost to you. The Health Insurance Marketplace re-opens for business on November 15th, so mark your calendar and stay covered!




Volunteers: Field Academy is for YOU

October 1, 2014

The Get Covered America campaign has some of the most wonderful and dedicated volunteers you could ask for. That’s why we created Field Academy.

You have a chance now to learn about how to run a Get Covered America-style campaign in your area! Sign up for this multi-week training program that touches on all the core parts of helping people in your community learn about their new health insurance options.

The Field Academy kicks off on October 8th, so sign up by October 6th for a spot in the course!

Topics covered in the training include:

  • Best outreach tactics to reach uninsured people
  • An intro to the commit card collection process
  • How data collection can transform your work
  • How to build valuable partnerships in your community

Those who complete the program will receive an award at the end of the four-week course.

Does the Field Academy sound exciting to you?

Sign up today!




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