Conversations

What You Should Know About Early Renewal of Health Coverage What’s an early renewal? Health plans are usually sold as a 12-month contract between you and your insurance company. In 2013, some insurance companies offered a chance to renew coverage earlier than the 12-month renewal date. For example, some insurance companies offered members a chance […]

Getting Emergency Care In an emergency, you should get care from the closest hospital that can help you. That hospital will treat you regardless of whether you have insurance. Your insurance company can’t charge you more for getting emergency room services at an “out-of-network” hospital. I’m having an emergency. Should I go straight to the […]

I signed up, but don’t have health coverage. What should I do? If you think you signed up for a health plan through the Marketplace, but haven’t received your insurance card Even though you haven’t received your insurance card, your coverage may be effective. If  you need to see a doctor or get a prescription […]

Appealing Your Insurer’s Decision Not To Pay If your health insurance company does not cover your specific health care provider or service, you have the right to ask for an appeal. For prescription drugs, an “exceptions” process is also available. To learn more about the exceptions process, read “Know Your Rights.” Directions are listed on […]

Health plans will help pay the cost of certain prescription medications. You may be able to buy other medications, but medications on your plan’s “formulary” (approved list) usually will be less expensive for you. Does my new insurance plan cover my prescription?  To find out which prescriptions are covered through your new Marketplace plan: • […]