Get Covered America’s #GotCovered Series: ‘Before and After’ Experience with the Health Insurance Marketplace

An Illinois Doctor Can Now Enjoy Everyday Preventive Medical Care That’s Affordable.

FOR IMMEDIATE RELEASE
Thursday, January 30, 2014
CONTACT: Justin Nisly
Press@enrollamerica.org | 202-601-2494

Washington, DC – This week’s #GotCovered profile highlights the difference a Marketplace makes in lowering health care costs for consumers. The opportunity to choose between several policies means consumers can find a plan that truly fits their needs. Weighing important factors like deductibles, co-pays, and provider networks, consumers are finding out what makes the most sense for them. For some, any insurance at all is a welcome relief from regular medical expenses that had previously been paid totally out-of-pocket. Financial assistance, that’s available based on income, is also helping families save on their monthly insurance premiums. Our previous #GotCovered stories are available here.

Dr. Rebecca Quigg – Riverside, IL

Shopping the private market for health insurance before October 1, 2013 was a nightmare for Rebecca, a Cardiologist and single mother. After leaving her employer-based position to become an independent medical consultant she transitioned to a temporary COBRA plan at $1,100 a month. Family coverage proved exorbitant, but fortunately her children were able to move to their father’s plan. Eventually in 2010, Rebecca found a policy that claimed it would cover pre-existing conditions. It turned out that it not only excluded coverage for her pre-existing conditions, but it also kept her from normal check-ups for fear that if something was found, the policy might be cancelled out from under her.

As a doctor, Rebecca could not believe she had to forego important preventive care and cancer screenings. Rebecca estimates the premium for her last policy increased 200 percent over the years — despite offering virtually no benefits. She was eventually paying over $900 a month by August 2013 for the plan. Moreover, her monthly prescriptions were becoming an additional burden. When October 1 arrived, Rebecca was ready for a new way forward.

As of January 1, 2014, Rebecca is covered by a gold tier option purchased through HealthCare.gov. The premium is $300 a month less than her old coverage and her prescription costs are now just a $10 copay. Her deductible is comparably low at just $500 down from $2,500 previously. The value only starts there for Rebecca who believes the biggest savings will be the financial security this provides her. Even better, she knows that her coverage will not discourage her from important screenings for fear of costly out-of-pocket treatment or a policy cancellation.

See More Get Covered America ‘Before and After’ Stories:

Florida: 28 year old Josh and his family are saving over $400 a month on better coverage after enrolling.

Michigan: Before the Marketplace opened, Diane couldn’t afford $1,000 monthly premiums for the substandard plans that were available to her.

Illinois: Affordable health insurance options made available to Carol in the Marketplace nearly brought her to tears.

Virginia: Before the Affordable Care Act, Virginia settled for insurance that didn’t cover her pre-existing conditions. Now, she pays half that premium for real coverage.

About Get Covered America and Enroll America

Get Covered America is a national campaign of Enroll America that is focused on educating consumers about the benefits of health coverage and the new health insurance available under the Affordable Care Act. With operations in eleven states (AZ, FL, GA, IL, MI, NC, NJ, OH, PA, TN and TX), our grassroots team is powered by passionate staff and volunteers with one motivating goal: to give Americans the information they need to choose an affordable health insurance plan that’s right for them and their families.

Enroll America is the nation’s leading health care enrollment coalition, bringing together community and health organizations, businesses and others to inform consumers about the new health coverage options and how to enroll in them. It is an independent, nonpartisan, nonprofit 501c(3) organization.

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For more information on Enroll America and its efforts, visit www.EnrollAmerica.org.
Go to www.GetCoveredAmerica.org to understand how the new health care law will affect you and your family.

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