FAQ | Ambetter from NH Healthy Families

 

FAQ

Below you’ll find some helpful questions and answers about the Health Insurance Marketplace and Ambetter plans.

Recent news coverage about the Affordable Care Act and the Health Insurance Marketplace can be confusing. It’s important to know that your Ambetter coverage is still in effect. And, you will continue to receive any financial help you may be getting to lower your monthly premium.

Below are helpful questions and answers for you and your family.

If you have any questions about your coverage, please call us at 1-844-265-1278 (TDD/TTY 1-855-742-0123).

No, your 2020 coverage has not been impacted by the court’s decision at this time. Any financial help you may be receiving to lower your monthly premium amount is currently still in effect for 2020. We encourage you to continue utilizing your coverage as you have been and paying your monthly premium to ensure you don’t have any gaps in coverage.

We will contact Ambetter members if there are any additional changes. Please check back for additional updates. 

Yes, you should continue paying your monthly premium payments on time to ensure you don’t have any gaps in coverage, lose valuable tax credits, or risk penalties. Ambetter offers a variety of easy ways to pay including online, phone, MoneyGram and mail. Learn More.

Please continue to visit our website for up-to-date and accurate information, or call us at 1-844-265-1278 (TDD/TTY 1-855-742-0123).

General FAQs

Every state has a marketplace for consumers to shop for health insurance. These are called Health Insurance Marketplaces. Consumers can shop, compare and select a plan that best suits their needs. The Health Insurance Marketplaces allow consumers to do their shopping online, in-person, over the phone, or by mail. Consumers can look at information such as the provider network, benefits, premiums, deductible costs, co-pays, and co-insurance requirements before selecting a plan. Some states have their own marketplaces, also known as state-based exchanges (SBEs). Other states use healthcare.gov.

Anyone can search online for a healthcare plan on their state’s Health Insurance Marketplace. The requirements to get insurance through the Marketplace are:

  • Meet applicable state residency requirements
  • You must be a U.S. citizen, national, or noncitizen who is lawfully present
  • You cannot be currently incarcerated

If you currently receive health insurance coverage from your employer, you likely will continue to receive this coverage. If employer coverage is considered too expensive, you might be eligible to find coverage through your marketplace.

The cost of plans varies by the type of plan you choose. However, you may be eligible for discounts on your plan to help lower your monthly premium amount and other healthcare amounts. These are known as Subsidies and Cost-Sharing Reductions. Learn more on our Healthcare Savings page! If someone doesn’t receive a subsidy due to income status, they are still able to shop for a health plan on the Health Insurance Marketplaces.

This is the set minimum income a family needs for food, clothing, transportation and shelter. The government decides this level. It depends on the size of your family. For more information on the Federal Poverty Level, visit healthcare.gov.

This year, open enrollment on the Healthcare Insurance Marketplaces starts on November 1, 2020 and ends on December 15, 2020. Following this initial enrollment period, open enrollment will typically be every fall.

 

 

Some information contained in this FAQ was gathered from these resources:
www.healthcare.govhttp://healthreform.kff.org/