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Your 2014 health plan coverage

You’ve probably heard a lot about the Affordable Care Act, also known as federal health care reform. And you may be aware that changes are coming soon.

Don’t worry, we’ve got you covered. You can count on HealthPartners to help you through the coming months.

You don’t need to take any action right now. We just wanted you to have these key facts so you’re informed. If you have any questions, give us a call – we’re here to help.

Five things to know

1. We’re here to help you through the changes. Right now, we’re creating plans to meet the requirements of federal reform and to fit your needs and budget. In the next few months, we’ll send you more detailed information about your specific plan. And we’ll be here every step of the way to help you understand your options.

What you can expect:

2013       2014
September October November December March
You’ll get pre-renewal information from HealthPartners, including details about 2014 plan options and premium. Open enrollment for individual health plans begins. You can shop new plans available through HealthPartners and MNsure. You’ll receive your official renewal information from HealthPartners. Dec. 15 is the final day to enroll in a plan that is effective Jan. 1, 2014. March 31 is the last day of open enrollment for individual plans.

2. You won’t see changes to your benefits because your current plan is grandfathered. Grandfathered plans don’t have to comply with certain parts of health care reform. That means your plan benefits will not change from what you have today.

You can switch to a new individual health plan. However, if you change plans, you won’t be able to go back to your grandfathered plan.

The health care law requires new (non-grandfathered) health plans to have:

  • 100 percent coverage for preventive services, like cancer screenings and immunizations, and women’s health services, like birth control and well-woman visits
  • Coverage for hospital stays, emergency services, maternity care, and mental and chemical health
  • Coverage for children by their parent’s plan until age 26
  • No lifetime limits on the amount of in-network health care coverage you can get
  • No maximums or dollar limits on the amount of coverage each year for most benefits
  • Dental coverage for children under age 19

Your grandfathered plan may already include these benefits.

3. Financial help is available. Depending on your family size and household income, you may be eligible for tax credits or government subsidies. Financial help is only available if you buy a new health plan. We can help you check your eligibility and direct you to the required application.

4. There are many ways to shop for health insurance. If you decide to shop for a new medical or dental plan, you’ll have options. With HealthPartners, you’ll get simple, straightforward shopping tools that help you find the best plan for you and your family. We’ll guide you through the process and match you to plans based on your budget, preferences, and needs. Or you can talk to your broker who will help you choose the right plan.

You may also choose to shop with MNsure, the state-run insurance exchange. If you use a subsidy to buy insurance, you’ll need to purchase through MNsure.

No matter where you buy your medical or dental insurance, HealthPartners has plan options for you. And we’ll support you through the entire shopping experience.

5. Anyone can get health insurance. And everyone is required to have health insurance. In 2014, coverage is guaranteed. You won’t get turned down because of your age, gender or health. Also in 2014, if you don’t have health insurance through an individual or employer plan, you may have to pay a tax penalty.

For the latest new about health care reform, visit our reform page.

Questions? Call Member Services at 952-967-7540 or 866-232-1166. Or contact your agent or broker.