Affordable Care Act Navigators


Community Action of Nebraska (CAN) has been awarded a grant from the U.S. Department of Health and Human Services to fund a statewide network of Marketplace Navigators to assist families and individuals enrolling in health insurance under the Affordable Care Act. The Navigators are now available to assist families, individuals and small businesses purchasing health insurance coverage through the federally operated Health Insurance Marketplace.


THE HEALTH INSURANCE MARKET PLACE IS OPEN!
The Marketplace is a new way for families and businesses to compare health coverage from a variety of insurance companies and select a plan which meets both their needs and their budget. Options are based on price, benefits, quality and other factors with a clear picture of premiums and cost-sharing amounts. With one application, a family can see all their options and enroll.

Every private health insurance plan in the new Marketplace will offer essential health benefits, including doctor visits, preventative care, hospitalization, prescriptions and more. Plans in the Marketplace must treat you fairly‒—they cannot deny you because of a pre-existing condition.

In the Marketplace, information about prices and benefits is written in simple language. Compare plans based on what's important to you, and choose the combination of price and coverage that fits your needs and budget. When you use the Marketplace, you may be able to get lower costs on your monthly premiums and out-of-pocket costs. When you fill out your Health Insurance Marketplace application, you'll find out how much you can save. Most people who apply will qualify for some kind of savings.

The open enrollment period began November 1, 2016 and will end January 31, 2017. In order to make sure that you have insurance coverage by January 1, 2017 you must enroll by December 15, 2016.

Navigators are completely neutral and unbiased. We are not insurance agents affiliated with any health insurance company, nor do we influence your decision to pick one company over another. Navigator services are free of charge.

Visit www.healthcare.gov to sign up for notifications and to learn more about your insurance options through the Marketplace. Additional information can be accessed as follows:

Consumer Websites: www.HealthCare.gov
www.CuidadoDeSalud.gov
Marketplace Call Center: 1 (800) 318-2596
TTY: 1 (855) 889-4325
YouTube: www.YouTube.com/HealthCareGov
Facebook www.Facebook.com/HealthCareGov
www.Facebook.com/CuidadoDeSaludGov
Twitter: www.Twitter.com/HealthCareGov        @HealthCareGov
www.Twitter.com/CuidadoDeSalud      @CuidadoDeSalud
Partner Resources: http://marketplace.cms.gov


How To Apply For Coverage
You can enroll in health coverage in just four easy steps using www.HealthCare.gov:

1. Set up an account. You'll provide some basic information to get started, like your name, address and email address.

2. Fill out the online application. You'll provide basic information about you and your family, like household income, household size, current health coverage information, and more. This will help the Marketplace find options that meet your needs.

3. Compare your options. You'll be able to see all the options for which you qualify. The Marketplace will tell you whether you qualify for lower costs on your monthly premiums and out-of-pocket costs on deductibles, copayments and coinsurance.  You'll see details on costs and benefits before you choose a plan.

4. Enroll. After you choose a plan, you can enroll online and decide how you pay for your premiums to your insurance company.


Marketplace Application Checklist
When you apply for coverage in the Health Insurance Marketplace, you'll need to provide some information about you and your household, including income, any insurance you currently have, as well as some other additional items. Use this checklist to help you gather what you need to apply for coverage.


Life Changes
Did you have a life chance within the last 30 days? Navigator assistance is available year-round! We can help you report the change to the Marketplace. Here is a brief list of life changes to report:

-Marriage status
-Household size or pregnancy
-Increase or decrease in household income
-Getting coverage through a job
-Turning 26 (no longer eligible for coverage under a parent's health plan)
-Becoming eligible for Medicare or Medicaid
-Moving (any distance)
-Tax filing status and changes to your name, date of birth, or Social Security Number
-Disability Status
-Citizenship or Immigration Status
-Incarceration Status
-American Indian/Alaskan Native Tribal Status

Note: Some changes don't affect your coverage or savings but still needs to be reported.


LOCAL ASSISTANCE IS AVAILABLE!
Several Community Action Partnership staff across Nebraska, including BVCA Partnership staff,  have received their Navigator Certifications. Navigators are currently providing outreach and enrollment. They work to help people understand what insurance options are available to them, answer questions, and guide them step-by-step through the enrollment process. In addition, there will be Certified Application Counselors (CACs) to help with enrollment.

To set up an appointment with your local BVCA Partnership Navigator contact (402) 729-2278 extension 136.

If you live outside of BVCA's service area, click here to find a Navigator in your area: Community Action of Nebraska Map


PRIVACY POLICY
Click here to view the Navigator Privacy Policy.

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