What you need to know about healthcare exchanges
Posted at: 09/25/2013 4:35 PM
| Updated at: 09/25/2013 6:41 PM
By: Amanda Ciavarri | WHEC.com
You've seen the commercials and you've been hearing about the new health care exchanges for months. In less than a week, you can begin enrolling.
There is a lot of information out there and that's why News10NBC is getting answers to questions who might having, including who is eligible for the exchanges and how it could affect your coverage from doctor visits to mammograms.
This is connected to the national Affordable Care Act. Anyone can get insurance through the health care exchanges, but if your employer offers coverage or you have Medicare, you don't have to enroll. This is only for people who don't have an option for insurance.
Experts at Excellus Blue Cross Blue Shield say there are things you need to know about choosing a plan. You need to make sure your doctors are covered on the network you are selecting. You can do that by a quick call to the doctor's office. Also, you'll want to do a little research to make sure the plan you're choosing best covers your medical needs. Experts say don't be swayed by price. If you're planning a surgery or hoping to get pregnant, the low monthly cost and high deductible isn't best for you.
News10NBC asked experts at Excellus Blue Cross Blue Shield about annual check-ups.
Lynne Scalzo, Vice President, Business Strategy and Health Care Reform, Excellus Blue Cross and Blue Shield, said, “Most of those preventative services, so those things that are annual or routine, are covered in full. In some cases, in the past, people have had to pay a co-pay or coinsurance for those services, so I think that is the biggest change that you will have full coverage for those preventive care services, and that is very important for keeping people well.”
News10NBC's Amanda Ciavarri asked, “What about specialties like mammograms or prostate check ups, many people have to do these things, where does that fall?”
Scalzo said, “If it is a preventative screening, it will be paid in full. If it is more of a diagnostic screening, then those people will have to pay a co-pay based on which plan you choose.”
For more information, click here.
What you should think about before signing up?
About special services
About annual visits
Who can sign up?