#TakeCareChat - Are you Covered with Health Insurance?

Health Insurance is very important to me - with 3 kids that means LOTS Of doctor's appointments for regular check ups and shots, but also sick visits, and even sometimes an unexpected emergency room visit:(  I know that I enjoy only having to pay a SMALL co-pay for these visits (or none at all if you are on Medicaid/CHIP) instead of being hit with a HUGE bill to pay before I can even leave!


So I encourage you to join in to the TWITTER CHAT today to learn how to get AFFORDABLE health insurance coverage for you and your family!

Join Bloggin' Mamas TODAY from 1p-2p EST for a #TakeCareChat Twitter Chat to learn more about Get Covered America and your options under the ACA. We’re helping to raise awareness about the new coverage options available through the Health Insurance Marketplace and the financial assistance available. Since we’re talking about “qualifying life” events, we’ll be joined by two special guest experts.

o Wedding expert Dana LaRue (@brokeassbride), the author of “The Broke-Ass Bride’s Wedding Guide.” Dana can share tips about throwing a fantastic wedding on a budget.

o Frugal maven Amiyrah Martin (@4hatsandfrugal). Amiyrah is a well-known African-American mom blogger (currently expecting a new addition to her family) and a firm believer in living a frugal lifestyle without deprivation.

Did you know that more than half of the uninsured could find insurance for less than $100 per month (under $50 for people under 35)? The uninsured are exposed to significant financial risk from medical issues, accidents or emergencies. Even young and healthy individuals are at-risk. One trip to the emergency room for a broken arm or a bad ear infection could cost thousands of dollars.

I was hospitalized (unexpectedly) for ONE WEEK last year and my hospital bill was OVER $25,000.00!!!  I was very thankful that I only have a small deductible to pay and everything else was covered - Although I pay for my health insurance premiums, that cost is WAY UNDER the $25,000 bill!

Open enrollment for marketplace coverage is set to begin again in the fall, but Medicaid and CHIP is open year-round, and special enrollment is ongoing. As with other elements of the health care law, many of those eligible for coverage don't understand all the details.

While the Health Insurance Marketplaces don’t open until November 15th, certain “qualifying life events” (like getting married, having a baby, adopting a child, moving, losing your current health insurance, and more) could allow you to get covered now.

Here are some answers to questions you might have:

• Am I eligible to enroll now?

Medicaid and the Children’s Health Insurance Program (CHIP) remain available to everyone eligible throughout the year. People can enroll in a Marketplace plan if they've had a "qualifying life event" -- meaning they've gotten married, had a baby, adopted a child, moved residences outside their coverage area, gained citizenship, left incarceration, or lost their health coverage. In most cases, once such an event occurs, a person has a 60-day window to get coverage.

o More information about healthcare for newlyweds: https://www.getcoveredamerica.org/after-i-do/

o More information about healthcare for new and expecting parents: https://www.getcoveredamerica.org/happy-mothers-day-to-new-moms/

• How do you enroll? Visit GetCoveredAmerica.org to learn how to enroll in health insurance and to get answers to common questions. The site’s content is also shareable via Facebook and Twitter at Facebook/GetCoveredAmerica and Twitter.com/GetCoveredUS.
• What if I can’t afford health insurance? Financial help is available. In fact, over half of Americans under 35 could get covered for under $50 a month! Use the “Get Covered Calculator” to see how much help you could qualify for to cover your monthly insurance cost. http://www.getcoveredamerica.org/calculator/ (Here’s an embeddable version of the cost estimator: https://www.getcoveredamerica.org/calculator/embed/)
• What if I need help? If you get stumped with your application, no worries! Local help is available. Use our Get Covered America 101 page (http://www.getcoveredamerica.org/get-covered-101) to find answers to the most commonly asked questions, or our locator tool to find an expert who can help. By entering your ZIP code, you will get the names and phone numbers of experts who can help you complete your application and understand your health insurance options. http://www.getcoveredamerica.org/locator/

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Disclosure: This post is being shared as part of a Bloggin’ Mamas  Social Good campaign. Social Good campaigns are voluntary campaigns in which the blogger shares the post for no monetary compensation.