Connecting Muslims to Coverage

Presentation by American Muslim Health Professionals

Lack of Insurance leads to Medical Debt

62.1% of bankruptcies were due to the burden of medical bills.

Many Muslims don’t have access to employer provided health insurance because: 20% are self-employed, 29% are under-

employed and 17% are unemployed.

The Individual Mandate

In order to address the issue of Uninsurance and Medical Debt, in March 2010, President Obama signed the Affordable Care Act into Law

The Individual Mandate of the Affordable Care Act (ACA) will require all residents of the United States to have health insurance, with some exemptions for financial hardship. 

ACA: Regulating Health Insurance Plans

60% of people that have medical debt had health insurance at the time that the debt occurred. In order to address this problem: Private health plans must treat you fairly;

they can’t deny you coverage because of a pre-existing condition.

Private health plans must now cover a comprehensive set of benefits.

Essential Health Benefits

All Insurance Plans must now cover:

Ambulatory Patient Services Prescription Drugs Emergency Services Rehabilitative & Habilitative Services & Devices Hospitalization Laboratory Services Maternity & Newborn Care Preventive & Wellness Services & Chronic Disease

Management Mental Health & Substance Abuse Disorder Services incl

Behavioral Health Treatment Pediatric Services incl Oral & Vision Care

Penalties

If you don’t have Health Insurance in 2014, you’ll have to pay a penalty of $95 per adult, $47.50 per child, or 1% of your income (whichever is higher).

The fee increases every year, (up to $695 for an Some people may qualify for an exemption from this fee.

You’re considered covered if you have Medicare, Medicaid, CHIP, any job-based plan, any plan you bought yourself, COBRA, retiree coverage, TRICARE, VA health coverage, or some other kinds of health coverage

What is the Health Insurance MarketPlace?

The Health Insurance Marketplace is a one-stop shop for a variety of healthcare care plans that cover essential health benefits, pre-existing conditions, and more.

To find the latest, most accurate, information about the Marketplace visit www.HealthCare.gov

Market Place Enrollment Periods

The First Open Enrollment period ends March 31, 2014.

The Second Open Enrollment is from October 15 – December 7.

How to Find Help on the Marketplace

Visit HealthCare.gov and click on the Help link in the upper right of the screen

Call the Marketplace Call Center toll-free at 1-800-318-2596

TTY users should call 1-855-889-4325

Assistance is available in different languages

Insurance on the Market Place With a single application, you also will

find out if you qualify for:

Medicaid, The Children’s Health Insurance Program, Or savings you can use right away to

lower your health insurance premium.

Contact

To find out more about the Marketplace or if you have any questions, you can contact us at: getcovered@amhp.us