The New Law The Affordable Care Act (ACA) requires everyone legally living in the U.S. to have health insurance beginning January 1, 2014. It also gives millions of individuals with too little or no insurance, access to health plans at different cost levels. In addition, the law provides financial assistance to those who qualify based on family size and income.
Beginning October 1, 2013, you will be able to view plans at a new online Health Insurance Marketplace, also known as an “Exchange,” where you can one-stop-shop for a plan that fits your budget and coverage needs.
You can also receive assistance from Saint Joseph Regional Medical Center's (SJRMC) Health Insurance Services. Established to ensure access to healthcare services by reducing barriers for consumers, we are committed to serving the members of our community with dignity, compassion and integrity. We have assembled a team of highly skilled, multi-cultural professionals to create an environment and support system in unison with state, local, federal and private agencies.
We’re here to help you learn about the law and how to select the right plan for you and your family. Schedule an appointment by calling 855-88-SJMED or request more information.
What Will the Plans Cover? Coverage will include doctor visits, hospital stays, wellness care, prescriptions, emergency services, maternal and newborn care, pediatric care and more. In fact, Ten Essential Health Benefits must be covered in every plan and certain Preventive Care services will be provided at NO additional cost to patients. Also, patients cannot be turned away due to pre-existing conditions, as has been the case in the past.
Sign Up Begins October 1, 2013 If you do not have health insurance, you are required to sign up during open enrollment: from October 1, 2013 to March 31, 2014. You can shop for plans by phone, through an approved insurance broker, at on-site enrollment locations, or at the online Health Insurance Marketplace, where you can easily compare benefits and costs. If you choose not to enroll for insurance, the law states that you will face tax penalties.
Take a few minutes to learn a little, or a lot, about the New Law.
Long Overview Video >
Short Overview Video
The New Marketplace The Health Insurance Marketplace is available online, by phone, or through an approved insurance broker, and it's designed to make buying health coverage easier by comparing plans side by side, in simple language and with no fine print. You will be able to choose between four levels of health plans - Platinum, Gold, Silver, and Bronze - from a variety of approved insurance providers, and each will have different amounts of coverage and different monthly premiums.
SJRMC Health Insurance Services offers two convenient Resource Centers staffed with licensed insurance agents:
Mishawaka Resource Center
SJRMC-Mishwaka Campus Main lobby, next to Joe's Java 5215 Holy Cross Pkwy. Mishawaka, IN 46545
To schedule an appointment call 855-88-SJMED or contact us now for more information.
Learn more about the Marketplace in English or Spanish.
What is the Health Insurance Marketplace?
El Mercado de Seguros Medicos
Financial Assistance Starting in 2014, a large number of people will qualify for financial assistance to offset the cost of health insurance. For example, an individual earning up to $45,900 a year, or a family of four earning up to $94,200 a year, will qualify for a reduction of their monthly premiums, or a tax credit at the end of the year. The calculator and chart on this page will give you a good idea of how much assistance may be available for you. Once you apply at the Marketplace, you will find out the exact amount of assistance you qualify for.
Financial Assistance Income Chart Look for your income and household size on this chart to see if you qualify for financial assistance.
Why Choose Us? When you compare plans, you'll be able to see which hospitals are included in each one. Make sure you choose a plan that includes Saint Joseph Regional Medical Center so you'll always have the latest treatment options, leading-edge technology, and physicians from some of the nation's finest medical schools. Because when you treat the region's most critical patients, you're better at treating everything.