Is your treatment covered in 2019?
Enrollment for commercial plans and the Health Insurance Marketplace is right around the corner. A small change in your benefits coverage may have a big impact on your access to infusion care. Are you covered?
Navigating benefits enrollment can be challenging—but ARJ is here to empower you to make informed decisions about your healthcare coverage. Here are some of the most common questions and answers to help you stay ahead of your health plan in 2019.
What is health insurance and why do I need it?
Health insurance helps pay for medical expenses, including care, prescriptions, and infusion treatments. Your insurance coverage can be funded through a state plan (Medicaid, Medicare, Tricare) or a private plan (employer, spouse’s employer, Affordable Care Act plan).
What if I cannot afford my insurance?
You may qualify for a discounted rate based on income through an Affordable Care Act plan. There is also a nonprofit organization called Patient Services Inc. that offers reimbursement for insurance premiums if you meet certain income and diagnosis qualifications. Additionally, you may qualify for Medicaid or Medicare depending on your income.
When do I need to sign up for insurance coverage?
If you plan to enroll in your employer’s insurance plan, reach out to your Human Resource Department for deadlines. Open enrollment through the Affordable Care Act Health Insurance Marketplace is Nov. 1 – Dec. 15. Enroll at healthcare.gov or call 800.318.2596.
Which plan should I choose?
When considering a plan, it’s important to confirm that the following will be covered: your doctors, specialty pharmacy, and all medications. You can find this out by calling the insurance company directly or speaking with your Human Resource Department if considering an employer plan.
ARJ’s Patient Services team is here to answer your questions about marketplace exchange plans, commercial insurance, Medicare and Medicaid replacement, state Medicaid plans, and supplement coverage.
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