On Oct. 1, 2013, health insurance options were made available to the American public as part of the Affordable Care Act (ACA). These insurance plans provide another option for obtaining health insurance coverage. Currently, most individuals obtain insurance coverage by purchasing it themselves, via their employer, or are eligible for coverage provided by the government (e.g., Medicare, Medicaid). The information provided here addresses only those health insurance options being made available via ACA (aka "marketplace," "exchanges" or "exchange plans"). Additional information regarding the exchange plans is available through www.healthcare.gov.
This online marketplace allows individuals to:
The plans on the Health Insurance Marketplace are separated into four health plan categories - Bronze, Silver, Gold, or Platinum. Each metallic level varies by the percentage of costs you have to pay on average toward the healthcare you receive in the form of deductible, coinsurance, and/or co-payments. Review plan details of coverage carefully before choosing.
Health Insurance Marketplace / Exchange Open Enrollment Year 3
Starting Nov. 01, 2015, consumers have the ability to sign up for 2016 health insurance plans through HealthCare.gov, the call center (800-318-2596), or via local in-person assistance. Open enrollment will last thru JAN 31, 2016, with coverage beginning as early as Jan. 1, 2016, for those that enroll by Dec. 15, 2015.
For local in-person assistance, Witham has Certified Indiana Navigators that can assist you with the marketplace exchange. Please call 765-485-8060 to schedule your appointment.
Indiana Health Plans
Each state approved specific companies to sell plans on the exchanges. Many hospitals, including Witham Health Services, do not contract with all of the plans in their state's exchange. It is important that individuals confirm that their preferred providers are in-network prior to selecting a new plan on the exchange. A good number of the insurance plans have limited or no out-of-network benefits, and individuals will be financially responsible for all unpaid charges. To ensure you and your family do not incur any unexpected out-of-pocket expenses for your care at Witham Health Services if you choose insurance through the exchanges, Witham Health Services recommends that you enroll in one of the plans listed in bold below with which Witham Health Services is contracted as an in-network provider.
*Note that this information is subject to change. Please re-check periodically for updates if your plan is listed as non-contracted.
Indiana Exchange Plans
Six companies will operate plans in central Indiana. See a list of these plans below. Note the plans at the top of the list, in bold, are the plans that are considered in-network for Witham Heatlh Services and its employed physicians.
Other States Plans
Please contact your local state exchanges for more information.