The Health Insurance Marketplace can help uninsured and under-insured individuals and families buy affordable private insurance plans. You may qualify to get help paying your monthly premium and other out-of-pocket costs like copays and deductibles. Healthcare.Gov is the official site of the Affordable Care Act (ACA).

ENROLLMENT PERIOD FOR 2022 COVERAGE: Monday, November 1, 2021 through Saturday, January 15, 2022.

KEY DATES:

  • November 1, 2021: Open Enrollment started — the first day to enroll, re-enroll, or change a 2022 insurance plan through the Health Insurance Marketplace®.
  • December 15, 2021: Last day to enroll in or change plans for 2022 coverage that starts January 1, 2022.
  • January 1, 2022: 2022 coverage starts, if you’ve enrolled by December 15, 2021 and paid your first premium.
  • January 15, 2022: Last day to enroll in or change plans for 2022 coverage. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period.
  • February 1, 2022: 2022 coverage starts if you enrolled by January 15, 2022 and you’ve paid your first premium.

APPLY & ENROLL:  HEALTHCARE.GOV | 1-800-318-2596

 

 

Things You Need to Know

  • You must take action by the deadline. Whether you are signing up or re-enrolling.
  • Financial help is available to lower monthly costs! You may qualify for help paying your premium and co-pays. In Louisiana, 93% of people receive financial assistance.
  • Eligibility is based on income and household size. Be sure and have income information and a social security number on hand for each person in your household.

Tips for navigating the Health Insurance Marketplace

 

Frequently Asked Questions

Will I still be able to use the NOMC?

Yes. In fact, under ACA, the NOMC will receive additional funding if you select us as your Medical Home.

The New Orleans’ Musicians Clinic encourages ALL our patients and those in our music community to please comply with the new health law to support Obamacare.

  1. Protect your health and your wallet! Your body is your most vital instrument! Under the new health insurance plan emergency room visits, hospitalizations, labs, RX, mental health treatment, diabetes and cholesterol screenings, prostate exams, mammograms are ALL covered.
  2. Keep the New Orleans Musicians Clinic ALIVE by letting us serve as your Patient Centered Medical Home and be paid for your care by ACA.
  3. Most of the new health insurance plans offered may cost less than your cell phone plan. Health insurance is just as vital to your career as your car and your cell phone.

Who can help me figure out what my best option is?

There are still many factors to work out but the NOMC is here to help.
Our Social Services coordinator can review best options with you.
Megan • 412-1366 • mmcstr@lsuhsc.edu

The NOMC&AF have just received a grant which will allow us to employ a fulltime community health worker to assist during this time of transition.

What are the benefits of getting a Health Insurance Plan?

  • The health care law requires many insurance plans to provide coverage without cost sharing to enrollees for a variety of preventive health services.
  • Insurers can not refuse coverage to anyone.
  • All new health insurance plans must offer an essential benefits package which limits your out of pocket expenses.
  • NO more annual $ limits on medical benefits the insurers will pay out for your care.
  • If you become ill or injured when you are outside of New Orleans, your medical care will be covered all over the USA.

 

When do I need to sign up?

You must register for a plan during the Open Enrollment Period unless you qualify for a Special Enrollment Period. If you qualify for Medicaid or the Children’s Health Insurance Program (CHIP). You can apply for these programs at any time.

For more information on important dates and deadlines please visit: https://www.healthcare.gov/quick-guide/dates-and-deadlines/

 

Can I still go to Charity/ Interim Louisiana Hospital/ Lord & Taylor clinics, if I don’t have health insurance?

Beware: If you do not qualify for Medicaid or “Free Care” and do not have health insurance, you will get billed for the services you receive at these providers.

How much will health insurance cost me?

You can get a rough estimate from this easy-to-use calculator.
http://www.kff.org/interactive/subsidy-calculator/

Are there special insurance plans for people under 30?

Adults under the age of 30 may enroll in lower-cost, high-deductible “catastrophic plans” which offer prevention benefits, 3 annual primary care visits, and will be exempt from a deductible.

Adult children under the age of 26 can enroll in their parent’s coverage.