Getting Coverage During Open Enrollment
Open enrollment for the Federal Health Insurance Marketplace is now underway until February 15, 2015. Visit www.healthcare.gov to sign up for a health plan. Please remember Union Hospital and UAP Clinic have partnered with the MDwise Marketplace insurance plan, and is the exclusive provider for MDwise in Vigo and Vermillion counties. MDwise is an Indiana health insurance company that includes Indiana's top ranked doctors and hospitals that no other plan covers in-network, and close to home. This means that if you choose the MDwise Marketplace plan, you will have the ability to utilize Union Hospital services. MDwise is available to Vigo County residents through the Marketplace (HealthCare.gov). Residents of Park and Vermillion counties who wish to select MDwise for their insurance coverage can log on directly to the MDwise website at MDwiseMarketplace.org, or call 1-855-832-5937 to select the MDwise Marketplace insurance.
For our Illinois patients, Union Hospital will accept Blue Cross Blue Shield and Coventry insurance purchased from the Illinois Marketplace.
Important Dates to Remember
December 31, 2014: Date when all 2014 Marketplace coverage ends, no matter when you enrolled
January 1, 2015: The date 2015 coverage can start if you enrolled by December 15, 2014, or if you accepted automatic enrollment in your 2014 plan or a similar plan
February 15, 2015: The last day to enroll in 2015 coverage. If you miss this deadline, you can’t sign up for a health plan inside or outside the Marketplace for the rest of 2015. The only exception is if you qualify for a Special Enrollment Period.
Certified navigators can also help you through the options still available to you through ClaimAid, which you can learn about at www.claimaid.com. The local representative for ClaimAid is Betty Fagg, who can be reached at 812-238-7967. Betty's office is located at Union Hospital, so you will be able to meet with her in person should you choose to do so.
Frequently Asked Questions
Will I be eligible to purchase health insurance through the Marketplace?
Most will be eligible to purchase private health coverage through the Health Insurance Marketplace as long as they:
Live in the United States
Are a U.S. citizen or national (or are lawfully present)
Are not currently incarcerated
What key dates do I need to remember?
Open enrollment for the Federal Health Insurance Marketplace ends February 15, 2015.
I have insurance through my employer. Does this affect me?
No. If you are eligible for employer-sponsored health coverage, you will not be affected.
Whether you qualify for the Marketplace will depend on what kind of coverage your employer offers. If your job-based coverage is considered "affordable" and meets minimum value, you won't be able to get lower costs on premiums or out-of-pocket costs in the Marketplace. This is true no matter what your income and family size are. Employer coverage is considered affordable if the employee's share of the annual premium for self-only coverage is no greater than 9.5% of annual household income.
What if I have Medicare?
Medicare isn't part of the Health Insurance Marketplace, so you don't need to do anything. You will not lose your Medicare coverage, and your benefits won't change. Click her for more information on Medicare.
Does Union Hospital and UAP Clinic accept insurance bought through the Marketplace?
Union Hospital and UAP Clinic have partnered with the MDwise Marketplace Insurance plan, and is the exclusive provider for MDwise in Vigo and Vermillion counties. MDwise is an Indiana-based nonprofit health care company. By choosing the MDwise Marketplace plan, you will have the ability to utilize Union Hospital services. Union Hospital also accepts Blue Cross Blue Shield of Illinois and Conventry insurance on the Illinois Marketplace Exchange.
Does Union Hospital and UAP Clinic accept Anthem health insurance?
Union Hospital and UAP Clinic do not accept the Indiana Anthem Marketplace Exchange insurance product. Union Hospital and UAP Clinic do accept employer-sponsored Anthem medical insurance, as well as some individual Anthem plans. Union Hospital accepts Anthem Medicare Replacement, Anthem Medicare Supplementary and Anthem Medicaid policies.
Click here to learn more about MDwise.