Maybe you’ve got so much on today’s to-do list that looking into health care just slipped to tomorrow’s goals. Or perhaps you don’t think the changes put into motion by the Affordable Care Act (ACA) apply to you. Either way, we’re here to tell you that the process is easier than you think and definitely worth your time. Last week, Secretary of Health and Human Services Kathleen Sebelius stopped by Family Circle’s office to chat with us about the October 1 debut of the ACA’s health insurance marketplace at healthcare.gov. “Don’t believe this isn’t for you,” she says. “Go check it out.” Here, four surprising reasons moms should give the site a click.
1. You’re covered by your spouse’s insurance.
This summer, United Parcel Service Inc. (UPS) made headlines by announcing that it would no longer provide coverage for employees’ working spouses who could get insurance from their own employers. If that could happen to you, why not take a look at the options you’d have on the health exchange? “This isn’t about people losing coverage, it’s about people having affordable options,” says Sebelius, who reminds us of another benefit to not having insurance tied to your employer. “Regardless of what your job looks like in the future, you’ll continue to have this coverage.”
2. You have a child with a pre-existing condition.
“What I find all the time is these parents are terrified that something will happen to their own insurance coverage so that somehow they’ll run out of care when their kid needs it,” says Sebelius. “But also they’re terrified that once their child ages out of the protection of a family policy, their choices will be limited.” Now those kids can’t be turned down because of their condition.
3. You’re part of the sandwich generation.
If you’re looking out for a parent who gets Medicare, this a good time to review their health care plan. “Nobody has to do anything if they’re on Medicare,” says Sebelius regarding the new exchange. “But they may have some better choices in the market than they ever thought they’d have.” Make sure your parent is getting the best deal by seeing what’s out there—or simply make sure they’re maximizing their Medicare benefits, many of which have gotten stronger with the ACA.
4. You’re on your own for insurance right now. Working for a small business—or owning one—means you may already be searching solo for health insurance. “This is your new opportunity because you currently don’t have a lot of protections that people would have if they worked for a large employer,” says Sebelius. “Price is one. You don’t typically have anyone contributing to your policy. So you’ll get—depending on your income—some help to pay a premium. But more importantly, there are a whole set of benefits that come with these new policies, such as maternity coverage and screening for depression.”
If you’re one of the 18.6 million uninsured women in America, you have until March 31, 2014, to enroll in a plan. Go to healthcare.gov right now to see options and pricing.
Have questions about the Affordable Care Act? Email us at email@example.com and we may choose yours to answer in an upcoming blog post.