Do you need help finding the right health insurance plan? We’ve got you covered!
Alabama residents are now able to shop through an online Marketplace to compare insurance rates and choose an insurance plan. Plans for the NEAHSI service area are available through BlueCross and BlueShield and Humana. Dental insurance plans are available from BlueCross/BlueShield, Humana, Delta Dental, Dentegra Dental and BEST Life.
Options for Insurance Plans
The new insurance plans are required to provide free preventive care. Additionally, lifetime limits on essential care cannot be determined by an insurance company.
The following categories are available options for health insurance plans:
- Catastrophic Plans- covering less than 60% of eligible expenses;
- Bronze Plans- covering 60% of eligible expenses;
- Silver Plans- covering 70% of eligible expenses;
- Gold Plans- covering 80% of eligible expenses; and,
- Platinum Plans- covering 90% of eligible expenses.
Each of the plans available through the Health Insurance Marketplace covers a wide range of essential health benefits including:
- Ambulatory Patient Services
- Prescription Drugs
- Emergency Services
- Rehabilitation Services
- Laboratory Services
- Maternity Care
- Preventive Care
- Mental Health
- Pediatric Services
Tax credits will make insurance more affordable for those with incomes up to four times that of the Federal Poverty Rate (determined by household size and income). Small businesses and non-profits are not required to start providing insurance right away; however, tax credits of 35 % for non-profits and 50 % for small businesses can make it affordable now.
At Northeast Alabama Health Services, Inc, our staff is trained to assist individuals in obtaining more information about securing insurance under the Affordable Care Act and in navigating the online Marketplace.
To make an appointment for enrollment assistance, please contact Angie Murphy at (256) 244-1340.
Our Enrollment Assistants are also available for presentations to community groups, clubs, churches, schools or other groups. To schedule a speaker for your group, please contact Angie Murphy at (256) 244-1340.