Health insurance marketplace 2.0

What you need to know for 2015

What you need to know for 2015

In 2015, most Americans must have health insurance. Last year many states, including Kentucky, and the federal government rolled out an insurance marketplace for those who do not get health insurance through their employer. The marketplace is available to compare health plans and purchase a plan, determine if you qualify for help with paying for insurance and assist you in applying for Medicaid or the Children’s Health Insurance Program.

If you enrolled in a health plan through Kynect or Healthcare.gov in 2014, you have to re-enroll for 2015. This is a good time to decide if you are happy with the plan you chose in 2014 or would like to switch to a different plan. You have until Feb. 15, 2015, to re-enroll.

When you enroll or re-enroll, here’s what you should consider:

  • Choose a plan that includes doctors and medical facilities that are convenient for you to get to. If you have a doctor you like, ensure he or she is covered in the plan you choose.
  • Choose a plan that covers the benefits you and your family need. For example, if your child needs allergy shots or you use a chiropractor, make sure allergy shots and chiropractic visits are covered.
  • Not all insurance plans are offered in every county; find out what’s available in your community.
  • Don’t wait until the last minute to enroll. Leave enough time to really compare options.

Kentucky residents can review options and enroll at Kynect.Ky.gov; Indiana residents can do so at Healthcare.gov.

For 2015, several health insurance plans include Norton Healthcare, which means Norton Children’s Hospital is covered as well. If you have children, it’s important to choose a plan that covers Norton Children’s Hospital, the area’s only children’s hospital, and its sister facilities. In Kentucky these include Anthem HMO and PPO, CareSource, Humana Norton + Just for Kids HMOx, Kentucky Health Co-op and WellCare. In Indiana these incude Anthem, Managed Health Services and Southeastern Indiana Health Organization.

If you need assistance in ensuring the plan you choose includes Norton Healthcare and Norton Children’s Hospital doctors and facilities, visit NortonHealthcare.com/HealthInsurance.


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