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Are You Covered? Open Enrollment Starts November 15

Posted by lynnesmith in The LLS Blog, 24 October 2014 · 68 views
Leukemia & Lymphoma Society, LLS and 4 more...

Nine out of 10 people who lack health insurance don’t know when the next enrollment period begins, according to the latest Kaiser Health Tracking Poll. Two thirds say they know “only a little” or “nothing at all” about the marketplaces created by the Affordable Care Act (ACA) where people can shop for insurance, and just over half don’t know that financial assistance is available.

The Leukemia & Lymphoma Society (LLS) knows how important it is to get the word out about the November 15 start date and provide information that helps people choose the right plan.

Anyone who bought private health insurance through a state or federal marketplace last year shouldn’t assume they will be automatically re-enrolled and that the plan is still the best for their particular situation. A different plan can be chosen for 2015 but the change has to be made by December 15.

The number of insurers set to sell plans this year is 25 percent higher than for 2014, so buyers will have more choices. However, the enrollment period is only three months long this time around, ending on February 15. After that, one can only enroll if experiencing certain life-changing events, such as divorce, pregnancy, or the loss of employer-provided coverage.

The law ensures that patients will not be denied insurance coverage due to pre-existing conditions, but there are still many considerations and options for those with blood cancers as they navigate the new health plans.

Patients with major medical needs should comparison shop and understand how much they would end up paying out of pocket for each plan, especially if high-priced specialty medications are involved. Subsidies may be available, depending on income. Insurance changes can also have a major impact on access to one’s preferred doctors, hospitals and treatment centers.

Use the links on LLS’s webpage to find out what type of plan is right, whether medications would be covered, and get an estimate of costs. Read “5 Steps to Staying Covered” to see what is required to enroll in or change a plan.
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