A mother should not be without health care insurance. Yet, before the Affordable Care Act, this happened more often than you think. Imagine this. A family decides to have the mother stay at home with the children because working outside of the home and paying for child care was not cost effective. Within the sacrifices of providing for the family, the father cannot afford to pay the premium for health insurance to cover his entire family. He and his family are within the borderline of poverty. The children have health insurance through Medicaid. He is covered through his employer.
But what about the mother’s health insurance needs?
Before the affordable Care Act, this mother would not be covered. In fact, the only time this mother would have health insurance under Medicaid would be through a pregnancy and up to her six week post-partum visit.
One day, this same mother was complaining of an ear ache. She was stuffing cotton balls soaked with castor oil into her ear to relieve the pain while home caring for her children. I asked her why she didn’t make an appointment with her doctor to get a prescription for an antibiotic. She couldn’t go because she didn’t have health insurance. That was before the Affordable Care Act was instated.
Now, she has options to obtain health care coverage for herself and maintain coverage for her children.
A mother should not need to be afraid about getting sick or having access to preventative health care. I say this because a mother’s health care needs ultimately impacts her children. This is especially true when a care giver is sick and cannot receive timely care.
No mother should have to go to the emergency room to simply receive a prescription for an antibiotic. Before the Affordable Care Act, this is exactly where she would go.
Moms, if this is your story, then you need to learn more about the Affordable Care Act (ACA). The more you know about the ACA, the better prepared you’ll be to make smart decisions about your coverage. First, learn about what has changed in health care.
The ACA has raised the Medicaid limits in some states so more are eligible and is offering subsidies to eligible income levels above Medicaid but still in the realm of struggling. See what open enrollment is all about and why it matters to you. Essentially, you need to use the time of open enrollment to get the proper health plan bought and set for your family.
Find a plan between now and Feb 15 to have coverage from the marketplace in 2015. There are certain qualifying events that allow you to use a special enrollment period. The exchanges or the marketplace is a website that allows you to compare plans from a variety of providers much like Travelocity. This website will be either the government Healthcare.gov website or your state’s individual marketplace website.
Learn more about Health Exchanges in this video below.
Also, check out this website from United HealthCare that walks you through choosing a health care plan based on your needs. Click this link for more info.
Do you know someone who needs more information about the ACA? Feel free to share this with them.