A national 501 (c)(3) non-profit charity that provides direct services to patients with chronic, life threatening and debilitating diseases to help access care and treatment recommended by their doctor.
Health insurance can be purchased or enrolled in through many different outlets. Each type of insurance may have its own deadlines related to annual Open Enrollment, so be sure to check the details with your plan’s administrator.
Health insurance can be:
• Gained in conjunction with an employer by enrolling in a job-sponsored plan
• Connected to a spouse or family member’s plan
• Connected to your parent’s plan if you are under 26 years old
• Purchased directly through an insurer or insurance broker
• Obtained via a government -sponsored plan like Medicare or Medicaid, if eligible
• Secured using Military or Veterans Administration (VA) Benefits, if eligible
• Purchased using an online marketplace. Each state has a marketplace website for individuals and families to buy health insurance directly. State marketplace
exchanges offer many kinds of plans designed to meet your budget and healthcare needs. You’ll find links to each state’s marketplace or exchange at www.healthcare.gov
What if I Need Help with Selecting a Plan?
Insurance is a big decision and can impact your physical and financial health in the coming year. It is ok and common to ask for help from an expert.
Many state marketplaces offer complimentary assistance. To find a list of local organizations or phone numbers for those offering personal help in your area, go to LocalHelp.HealthCare.gov. If you do not have online access, you can call 1-800-318-2596 at any time 24 hours a day, 7 days a week to get personal phone assistance from Marketplace enrollment specialists. This number also offers help in languages other than English.
If you aren’t sure about your TRICARE plan, you can contact a Beneficiary and Assistance Coordinator through DEERS who should be able to guide you. If any questions arise regarding VA Benefits, you can reach out to an accredited representative called a Veterans Service Officer to help submit your claim to the VA.
Inquiries regarding employer-based plans should be directed towards your work’s Human Resources department.
If you have additional questions along the way, seek help from a trusted adviser, a patient advocate, or from a skilled insurance professional.