Out2Enroll is a collaborative effort from the Sellers Dorsey Foundation, the Center for American Progress, and the Federal Agencies Project to educate the lesbian, gay, bisexual, and transgender community about their options under the Affordable Care Act.
Ready to get covered? Here are the steps to take between now and March 31, 2014 (when the period for enrolling in new plans ends).
Health insurance can seem complicated, so you won’t be alone if you want to learn more about important concepts such as premiums, deductibles, copayments, and other information about insurance terminology and how coverage works. You can also check out the different types of health care coverage that will be available so that you can select what type of coverage works best for you.
When you are ready to apply for coverage, you’ll need to provide some information about yourself and your household, including income and any insurance you currently have. Here’s a checklist that can help you gather the information you need. You’ll also want to set up an account with your Marketplace.
You can do this online, over the phone, or in-person. No matter which state you live in, there will be a single, streamlined application for you to fill out to apply for financial assistance, see if you or members of your family qualify for Medicaid or the Children’s Health Insurance Program (CHIP), and enroll in the plan of your choice. You can access this application through the new Marketplace in your state.
Having trouble getting through the online application process? You’re not alone. We know that many people are experiencing problems accessing the Marketplace – we hope you’re not one of them! But, in case you are, here are a few things to remember and do in the meantime:
1. Enrollment is a marathon, not a sprint. You have until December 23, 2013 to complete your application. Signing up today is no different than signing up on December 23 since your coverage won’t begin until January 1, 2014.
2. Enroll over the phone by calling the customer service center at 1-800-318-2596. They’re taking calls 24/7!
4. Get help from a trained person in your local community that can help you understand your options and complete your application. Find help in your area using this tool.
Need help with the application? No problem! We know that filling out forms can be tedious – that’s why we’ve created a guide to the application. The guide helps walk you through the application process and answers some of the questions we know you’ll have when filling in your responses. (The guide is for a type of application called the “short-form” application – stay tuned for a similar resource for the “long-form” application!)
And you can get in-person assistance from organizations you know and trust. These organizations are called “navigators,” “assisters,” and “certified application counselors,” and they’re trained and ready to help you understand your options and find out how to enroll in a plan. To connect with one of these organizations in your area, check out this tool.
All of these organizations are prohibited from discriminating against the LGBT community, and we’ll be out soon with a list of those that you might already know based on their work on LGBT issues. Stay tuned!
You’ll be able to see all of your options through the Marketplace, including private health insurance coverage and possibly free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP). You’ll learn whether you and others in your family qualify for financial assistance, such as tax credits and cost-sharing reductions. And you’ll be able to compare the different options based on costs and benefits to help choose a plan that’s right for you.
Congratulations – you’re almost there! Now that you’ve chosen the plan you want, you can enroll online and decide how you would like to pay your premiums to the insurance company. If you’re eligible for Medicaid or the Children’s Health Insurance Program (CHIP), a representative will contact you to help you enroll. If you sign up for coverage by December 23, 2013, your benefits begin on January 1, 2014!