Health Insurance The Affordable Care Act
Health Insurance
Health Insurance Marketplace (800) 318-2596 Healthcare.gov The Affordable Care Act (ACA) helps Americans get access to the healthcare coverage they need by putting in place comprehensive health insurance reforms that expand coverage, hold insurance companies accountable, lower healthcare costs, guarantee more choices and enhance the quality of care. If you are not old enough for Medicare and need Health Insurance, The Affordable Care Act may be able to assist you in obtaining healthcare coverage. The Health Insurance Marketplace (Healthcare.gov) is where you can find health coverage, whether you don’t have coverage now or have it but want to look at other options. With one Marketplace application, you can learn if you can get lower costs based on your income, compare your coverage options, and enroll. When you use the Marketplace, you’ll see all the health plans available in our area so you can compare them side-by-side and pick the plan that’s right for you. The Marketplace will also tell you if you qualify for free or low-cost coverage available through Medicaid. Most Americans are eligible to use the Marketplace. Apply online at the above website, with a paper application, or by phone (call number, above). Telephone help is available 24/7.
Health Insurance Counseling APPRISE State Health Insurance Counseling Program Wesley Family Services 221 Penn Ave. Pittsburgh, PA 15221 (412) 661-1438 (800) 783-7067 wfspa.org/service/apprise
APPRISE is Pennsylvania’s State Health Insurance Assistance Program (SHIP). APPRISE is a program of the Pennsylvania Department of Aging and provides free, unbiased insurance counseling to help Pennsylvanians of all ages who are Medicare beneficiaries understand their Medicare and other health insurance benefits. In Allegheny County, the APPRISE program is operated by Wesley Family Services in partnership with the Allegheny County Area Agency on Aging. APPRISE counselors work individually and confidentially with individuals to determine their health care needs and preferences, compare health insurance options, and obtain Medicare and supplemental coverage that fits their lifestyle and budget.
APPRISE Counselors can help you in:
Affordable Care Act and Medicare
4 Understanding Medicare eligibility and enrollment.
Nearly 50 million seniors and Americans with disabilities depend on Medicare every day. The ACA makes Medicare stronger by making several key improvements, from new benefits and lower costs to fighting fraud and extending the life of the Medicare Trust Fund by eight years.
4 Understanding your Medicare benefits by explaining what services are covered under Medicare Parts A and B and your Medicare Summary Notice.
Medicare is not part of the ACA Marketplace, so you do not have to replace your Medicare coverage with Marketplace coverage. No matter how you get Medicare, you will still have the same benefits and security you have now. To learn more, visit medicare.gov.
Military Coverage TRICARE
(800) 444-5445 tricare.mil TRICARE is a healthcare program for active duty service members, National Guard and Reserve members, retirees with 20 years of service, and their families. Medicareeligible uniformed services retirees ages 65 and older and certain family members have access to expanded medical coverage known as TRICARE for Life (TFL). You must have Medicare Part A and Part B to receive TFL benefits.
United States Department of Veterans Affairs (800) 827-1000 va.gov
The Veterans Administration offers a medical benefits package to all enrolled veterans. This plan emphasizes preventive and primary care, and offers a full range of outpatient and inpatient services within the VA healthcare system.
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2020 Allegheny County Senior Resource Guide
4 Understanding your Medicare Prescription Drug (Part D) benefit. 4 Making informed choices about Medicare coverage options, Medigap policies, and Medicare Advantage Plans. 4 Understanding financial assistance programs that may be available to help pay for your Medicare premiums, deductible and co-pays, as well as your prescription drug needs (Extra Help and Medicare Savings Plan). 4 Understanding and assisting with the Medicare appeal process. 4 Understanding benefits under Long Term Care policies.
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