WV's Health Insurance Helpline

What’s a Health Insurance Marketplace? Why do I need health insurance?

The new health care law sets up a Health Insurance Marketplace in each state, which is your one-stop shopping destination for health insurance. It works in the same way you would shop for any other important item in your life: You look at all the available options in your area, compare each plan’s features and prices side-by-side, then choose the one that fits your needs and your budget.

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  • 6 Key Facts About the New Health Insurance Options:
    • Financial help is available.
    • Preventive care is free.
    • Application help is available — and free.
    • You can’t be turned down for coverage for a having a pre-existing condition.
    • The costs and benefits of each plan must be explained in easy-to-understand language — with no fine print.
    • All health insurance plans have to cover important benefits, like doctor visits, hospitalizations, prescriptions, and more.
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  • What Your New Insurance Gets You:
    • Doctor visits
    • Prescription coverage
    • Mental health services
    • Emergency services and hospitalizations
    • Maternity care
    • Infant care and children’s care
    • Free preventive care
      • Examples of Preventive Care:
        • Vaccinations
        • Cholesterol screening
        • Blood pressure screening
        • Colorectal cancer screening
        • Mammograms
        • Pap smears

 

 

Information obtained from getcovered.org.

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