Friday, December 7, 2018

What Marketplace health insurance plans cover

All plans offered in the Marketplace cover the same set of essential health benefits.
Every health plan must cover the following services:
  • Ambulatory patient services (outpatient care you get without being admitted to a hospital)
  • Emergency services
  • Hospitalization (like surgery and overnight stays)
  • Pregnancy, maternity, and newborn care (both before and after birth)
  • Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
  • Prescription drugs
  • Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)

Additional benefits

Plans must also include the following benefits:
Essential health benefits are minimum requirements for all Marketplace plans. Specific services covered in each broad benefit category can vary based on your state’s requirements. Plans may offer additional benefits, including:
When comparing plans, you’ll see exactly what each plan offers.

Senate Enrolled Act 217 and Article 7 and IDEA

NOTE: This guidance document is in DRAFT FORM and is pending approval of Indiana State Board of Education.

The requirements under the dyslexia bill are separate from Article 7 requirements. SEA 217 is not a special education bill, although either the parent or the school may make a referral for evaluation under Article 7 at any time, even before completing a Level I or Level II screening.

The universal screener, because it is administered to all students in the applicable grades, can be administered to all students without requiring written parental consent. Because the Level I and Level II screenings are not administered to all students, written parental consent is required before administering these additional tests. This is consistent with the requirements of Article 7.

Under the dyslexia legislation, intervention and instructional services are provided to the student as needed, regardless of whether the parent provides consent for further screenings. The school may base this on the information or data it has from other sources, including the universal screening. The school should continue to have conversations with the parent about the student’s progress and potentially the need for further screenings. This doesn’t negate the school’s child find obligations under the Individuals with Disabilities Act (IDEA) and Article 7. If the school suspects the student may have a disability under Article 7, it should make the referral for evaluation and follow the procedures under Article. 7.

It is important to note that the dyslexia screening under this bill cannot be used to delay or deny evaluation under Article. 7. Similar to previous intervention processes in the past (whether general education interventions, or Response to Intervention [RTI]), this process is not a substitute nor a required prerequisite before evaluation under Article 7, and cannot be used to delay or deny a parent’s request for evaluation. Similarly, if a school suspects a disability under Article 7, it should not delay its child find responsibilities and should move forward with a referral immediately. Any delay could result in a finding of denial of a free appropriate public education (FAPE).

When administering the universal screener to students who receive special education services, it is important to consider if the screener will deliver any new information or data that will inform instruction beyond the student’s diagnosis.

School corporations and charter schools will use the RTI process for general education students that are considered “at risk” or “at some risk” for characteristics of dyslexia. If during the RTI process schools do not see a student making adequate academic gains with intense tier 3 intervention, progress monitoring data shows no growth, and a clear pattern of strengths and weaknesses are present for characteristics of dyslexia, then schools should make a referral and request parental consent to conduct an educational evaluation.

Wednesday, December 5, 2018

How to apply for the ACA if your income is too high for tax credits

If you're not eligible for lower costs on a health plan because your income is too high, you can still buy health coverage through the Health Insurance Marketplace. To apply, create an account or log in to your existing account.
You can also get insurance other ways — through a private insurance company, an online insurance seller, or an agent or broker.

First: Do a quick check to see if you may save

Don't qualify for savings? Three other ways to buy a health plan

  • Directly from an insurance company. You can contact any health insurance company and see plans available in your area. Many have websites that let you compare all plans they sell.
  • Through an insurance agent or broker. Generally, agents work for a single health insurance company, while brokers sell plans from several. Both can help you compare plans and enroll. You don't pay more by using an agent or broker. They're generally paid by the insurance company whose plans they sell. They may sell only certain companies' plans. Search for health insurance agents and brokers near you using our Find Local Help tool.
  • From an online health insurance seller. These services offer health plans from a number of insurance companies. They let you compare prices and features and then enroll with the insurance company. They may not offer all plans available in your area.

Monday, December 3, 2018

Get help applying for health insurance

You can get help filling out your application 3 ways: by phone, with an in-person assister, or with an agent or broker.

By phone

Marketplace Call Center. Call to ask a question, start or finish an application, compare plans, or enroll. Available every day, except certain holidays.

In-person help in your community

Find local help. Search by your city and state or ZIP code to see a list of local people and organizations who can help you apply, pick a plan, and enroll. Some offer help in languages other than English, other specialized services, or in-person help.

Health insurance agents & brokers

Agents and brokers can help you enroll through the Health Insurance Marketplace or handle the whole process. Search for health insurance agents and brokers near you using our Find Local Help toolNEW: Using Find Local Help, you can also provide contact information and have an agent or broker contact you directly.
FYI: Savings available only with Marketplace coverage
No matter who helps you, you can get premium tax credits and other savings ONLY if you enroll in a Marketplace plan. If you qualify for savings, make sure your agent or broker knows to enroll you in a Marketplace plan.

Help prevent fraud

Learn how to protect yourself from fraud when you apply through the Health Insurance Marketplace.

Sunday, December 2, 2018

FAQ about Public Charge Rules

We suggest families contact Indiana Legal Services, or another trusted legal resource when deciding to apply for programs affected by the current and proposed public charge rules.

Immigrants' and Language Rights Center Intake Line
Phone: 1-866-964-2138
Hours: Tuesday and Thursday 8:30AM to 4:30PM
Se Habla EspaƱol 

The Department of Homeland Security has proposed a new rule that may affect some Lawful Permanent Residents who receive public benefits. Please see the attached flyers to learn more.

Friday, November 30, 2018

5 tips about the Health Insurance Marketplace

1. Deadlines for 2019 coverage

Enroll by December 15 for coverage starting January 1, 2019. Apply now.

2. Who is eligible to use the Marketplace?

To be eligible to enroll in Marketplace health coverage, you must live in the United States, must be a U.S. citizen or national (or be lawfully present), and can't be incarcerated. Learn more.

3. Two kinds of coverage

Depending on income, you may qualify for an insurance plan with tax credits or for Medicaid/Children's Health Insurance Program (CHIP). See where your income falls.

4. What plans cover

5. Plans & costs

Wednesday, November 28, 2018

Dates and deadlines for 2019 health insurance

You can enroll in or change 2019 Marketplace health insurance right now. The 2019 Open Enrollment Period runs from Thursday, November 1, 2018, to Saturday, December 15, 2018.
  • November 1, 2018: Open Enrollment started — first day to enroll, re-enroll, or change a 2019 insurance plan through the Health Insurance Marketplace.
  • December 15, 2018: Last day to enroll in or change plans for 2019 coverage. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period.
  • January 1, 2019: 2019 coverage starts, if you've paid your first premium.

Get started

  • First time using Create an account now.
  • Have 2018 Marketplace insurance? Log in now to update your application and compare plans for 2019.
  • Want to see plans first? Preview 2019 plans with price estimates based on your income, before logging in.