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January 30, 2014

Navigators available to help uninsured enroll in Health Insurance Marketplace

Live Oak — Uninsured Floridians can avoid penalties by enrolling in the Health Insurance Marketplace by March 31. To assist with the enrollment process, Health Insurance Marketplace Navigators are participating in events throughout North Central Florida and are available through a number of community agencies.

Generally, individuals can only enroll in the Health Insurance Marketplace during the annual open enrollment period. The next open enrollment period begins Nov. 15, 2014. It is possible to buy insurance through the Marketplace outside of open enrollment due to a qualifying life event such as marriage, divorce, birth or adoption of a child, or loss of job. There is no limited enrollment period for Medicaid or the Children’s Health Insurance Program. Small business owners can start offering coverage to employees at any time.

The Health Insurance Marketplace gathers all health coverage options by geographic area. With one application, enrollees can compare plans and explore available free or low-cost programs. Most people who apply will qualify for some kind of savings.

All insurance plans through the Health Insurance Marketplace must cover doctor visits, hospitalizations, maternity care, ER care and prescriptions. All plans have to state the costs and what is covered in simple language with no fine print. People with pre-existing conditions cannot be denied coverage.

Learn more about the Marketplace and how to enroll at www.healthcare.gov. Consider enlisting the help of a Health Insurance Marketplace Navigator to help walk you through the steps of filling out forms, clarifying confusing terms and comparing various insurance plans. Navigators are available at many community events and in locations throughout North Central Florida. Visit www.ncfnavigators.org for a complete listing of upcoming Navigator events and participating agencies.

 

Listed is an upcoming Navigator event:

 

Sunday, March 9, from 1 to 3 p.m. at Live Oak Library, 1848 South Ohio Ave., Live Oak, FL 32064

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