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Help in Navigating New Health Insurance Marketplaces

Posted 9/29/2013

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  No matter what your politics may be, our health care insurance system is about to change. Effective October 1st, the first parts of the Affordable Care Act become effective. If you have cancer and have concerns about your insurance, you may be feeling especially worried. An important reminder: if you are covered now by Medicare or employer-sponsored insurance, nothing will change.

  Eighteen cancer organizations, including Living Beyond Breast Cancer, have worked together to produce a Cancer Check List that should answer all questions and be very reassuring. Here is LBBC's introduction to it and a link:

LBBC Helps Develop Tool to Navigate Health Insurance Marketplaces

In preparation for the October 1, 2013 opening of states’ Health Insurance Marketplaces established as part of the Affordable Care Act (ACA), Living Beyond Breast Cancer is pleased to announce the launch of the Cancer Insurance Checklist—a tool created in collaboration with 18 partnering cancer and patient advocacy organiz ations.The Checklist is designed to help people currently diagnosed with, with a history of, or at risk of developing any type of cancer when
shopping for insurance through their states’ Health Insurance Marketplaces or Exchanges. The website and tool production costs of the project were supported by Novartis Oncology.

The Health Insurance Marketplaces/Exchanges were created under the Affordable Care Act with the goal of making health insurance more affordable and accessible to the majority of Americans, and to lessen the number of people who are uninsured or underinsured. Depending on where you live, the Marketplace or Exchange is run by the state or federal government, or, in some instances, by a partnership between the two.
The ACA’s Health Insurance Marketplaces/Exchanges give everyone the opportunity to enroll in plans that meet the requirement of offering Essential Health Benefits. By providing a space for individuals to compare plans, choose one that best suits their healthcare needs and enroll online, they help break down past obstacles faced by Americans who had limited or no access to healthcare, for reasons like exclusion for pre- existing conditions, losing employer- based coverage, or being unemployed.
Healthcare plans will be offered at the bronz e, silver, gold and platinum levels, with premium and out- of- pocket
expenses varying at each level to offer more financially viable options for families and individuals of every income.
Those who are uninsured or underinsured will benefit most from the Marketplaces; in many cases, employer- based
insurance may still provide the most coverage at the lowest cost to you.



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