Mission of Trinity's Health Ministries: To serve God's people in Christ's name by ministering holistically to physical, emotional, and spiritual wellness.
"When evening came, people brought many who had demons in them. Jesus drove out the evil spirits with a word and healed all who were sick." (Matthew 8:16)
Health Insurance Marketplace
Need Health Insurance?
The Affordable Care Act (ACA) established the online Marketplace, a new way to find health insurance that fits your budget and meets your needs. Every health insurance plan in the Marketplace will offer basic health benefits including:
- Doctor visits
- Preventative care
The individual mandate of the health care reform law requires that you, your children and anyone else you claim as a dependent for tax purposes must have health insurance beginning in 2014, or pay a penalty when filing your taxes. To avoid a penalty, you must have insurance coverage by at least March 31, 2014. If you get coverage through the Marketplace you must pay your first premium by Feb. 15 th as there is a 15 day delay to process applications, and plans only begin on the 1 st day of every month. If you get your insurance outside of the Marketplace, this rule may not apply.
If you get health insurance through your job, Medicare or BadgerCare, you don’t need to do anything. Marketplace health insurance is for individuals/families who are uninsured, underinsured or their employer doesn’t offer affordable health insurance.
The Affordable Health Care Act offers:
- Affordable health insurance. An estimated 90% of Marketplace applicants will qualify for federal subsidies.
- No one will be denied coverage for pre-existing conditions
- All Marketplace plans cap out-of-pocket expenses.
- Many preventive services will be provided without co-pays
- Women are no longer charged higher premiums than men.
- The consumer has choices. In the Chippewa Valley, two private insurance companies in the Marketplace offer 26 plans.
- Young adults under 26 can be covered by their parent’s insurance.
Important Terms and Things to Consider…
Explore the Marketplace
1) Visit Healthcare.gov to determine whether or not you as an individual or family qualify for the Premium Tax Credit (PTC) a new federal program that uses tax credits to reduce costs for Qualified Health Plan (QHP) enrollees (individuals who get their insurance through the Marketplace.) This is designed for people who meet certain financial criteria and don’t have access to other coverage options. Download and fill out the application form including social security number, household income and any current insurance policies.
2) Consider how much you can spend each month for premium plus out-of-pocket costs. This will determine which plan you choose. Go to this helpful website, www.healthsherpa.com to find out all the available plans in your own county.
3) Seek assistance. Before you make a final decision, you may want to call an insurance agent who has been trained to explain and recommend plans. A list of local insurance agents available through the Affordable Care Act can be found here or at the Health Ministry bulletin board near the office. Local assistance is also available through the Chippewa Valley Free Clinic, 715-839-8477, Marshfield Clinic Patient assistant counselors, 800-782-8581, ext.7-4825 and Mayo Clinic. For answers to frequently asked questions, visit WI Council on Children and Families, www.wccf.org, and go to FAQ. (608)-284-0580 ext.313.
Link to local insurance agents available through the Affordable Care Act