Affordable Care Act Information Session Presented to Students in LSF
On January 15, 2014, health service provider HealthLinc presented an informational seminar
on the new Affordable Care Act to the public in LSF 02. Community outreach representative Nila
Williams presented the audience with a basic overview of what the new Affordable Care Act
(more affectionately known as “Obamacare”) will entail for Indiana residents in need of health
First and foremost, the Affordable Care Act will put consumers back in charge of their healthcare
and will give them the opportunity to go with the best plan possible for their own needs. It
also requires insurance companies to cover people with pre-existing conditions. People will
no longer be turned down for pre-existing conditions, as coverage begins immediately. The
Affordable Care Act also covers an extensive list of benefits including Emergency, Maternity/
Newborn, Labs, and Mental Health & Substance Abuse.
The Affordable Care Act will also offer Indiana residents with four different categories of
Indiana insurance. These plans include Bronze, Silver, Gold and Catastrophic. The Bronze
plan has a 60/40 ratio, 70/30 for Silver and 80/20 for Gold. The first number corresponds to
how much (percentage wise) will be covered by the insurance plan and the second number
corresponds to how much the individual in question will pay out of pocket. Catastrophic health
care plans are the cheapest available, but they have a very high deductible. These plans give you
control over your options. They all give you a clear picture of what you’re paying for and what
you’re receiving in return.
In order to be eligible to apply for a Qualified Health Plan in Indiana, you must currently reside
in Indiana as well as a U.S. citizen. The deadline for enrolling in a health plan is March 31,
2014. You are still able to apply after this date, but you will receive a penalty, unless you plan
on getting married, going through a divorce, give birth to a child, etc.
The application process for enrolling in a health care plan can be done online, by phone, mail
or in person with a HealthLinc Navigator or CACs (certified application counselors). They
provide unbiased, customer support and personalized help in selecting a plan. Before you enroll,
you should make sure you learn about the different insurance types so you are able to pick the
best one for you and your family. You should also make a list of questions to ask your health
care representative when selecting a plan so you know what will be covered and other logistical
matters. You also need to make sure your employer will offer health insurance and what kinds
of benefits they will offer.
If you have any questions about anything regarding the Affordable Care Act, you can call the
Marketplace Call Center at 1-800-318-2596. There are also several HealthLinc locations in East
Chicago, Valparaiso, Michigan City, Knox and Mishawaka. If you want to make an appointment
with a HealthLinc representative, you can call them at 1-888-580-1060.