FAQ for Latinos

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What is Get Covered America?
Get Covered America is a campaign of Enroll America, a national nonprofit,
nonpartisan organization whose mission is to maximize the number of uninsured
Americans who take advantage of new options to sign up for health coverage.

What is a Health Insurance Exchange or Marketplace?
A Health Insurance Marketplace or Exchange is a new way that Americans can
compare and shop for health insurance in their state. Beginning October 1, 2013
and ending on March 31, 2014, you can sign up. You may even be able to get help
paying for your new insurance. Depending on where you live, your Health Insurance
Marketplace or Exchange will be run by the state or by the federal government.

How can I enroll?
Starting on October 1 2013, you will be able to sign up:

  • Online
  • By phone
  • Using a paper application (mail or fax)

When does the new health coverage begin?
Coverage through the Marketplace begins on January 1, 2014, as long as you have
enrolled by December 15, 2013. After that, coverage will begin the first of each
month as long as you have enrolled by the 15th of the previous month.

What kind of changes will this new law bring in terms of coverage?
The new healthcare law will have a great impact on the Latino community by
eliminating coverage limitations around pre-existing conditions, ensuring that you
will not be charged more for certain illnesses, and expanding coverage for youth and
— where applicable — access to Medicaid.

Who is eligible for these new options?

  • You must live in the U.S.
  • You must be a U.S. citizen or national, or lawfully present

Even if you don’t qualify because you are not a U.S. citizen, other members of your
family might be eligible for coverage. There is no penalty for applying, and your
information will not be used for any purpose other than determining if you and your
family members qualify for health coverage.

Also, health plans available through the Health Insurance Marketplace aren’t the
only new form of coverage available. Some people will qualify for free or low-cost
coverage through Medicaid or the Children’s Health Insurance Program (CHIP).
Even now, many Americans who qualify for these programs are not currently
enrolled.

I own or work for a small business that doesn’t offer coverage. How will the
new law affect me?
Provisions around coverage will be made available for businesses. Businesses that
already provide health coverage for their employees can continue to do so or
participate in the exchange. Individuals can also choose to stay with their
employer’s plan or opt for their individual plan.

I speak English but my family doesn’t. Will there be assistance in Spanish?
Yes. Assistance will be provided in Spanish, material will be available in Spanish,
and the enrollment website will also be in Spanish: cuidadodesalud.gov.

I am under a protected legal status. Do I still qualify for coverage?
The Health and Human Services website has a complete list of protected statuses
that are eligible for coverage. You can still apply and not be penalized if you are not
eligible for enrollment.

Someone in my family is undocumented. Is my whole family disqualified from coverage?
No. Only individuals that are not eligible are disqualified from coverage. We highly
encourage anyone that is eligible to enroll. Also, note that oftentimes there are local
health care resources available for those that do not qualify for insurance.

How much will it cost to enroll?
It doesn’t cost anything to apply and learn what coverage options you qualify for,
what they will cost, and what financial help you can receive. Once you know your
options, you can decide what health insurance plan is best for you and your budget.

How much financial help can I get with the cost of coverage?
If you enroll in a plan through the Health Insurance Marketplace, you may be
eligible for financial assistance. The amount of money you would have to pay each
month depends on your income. Thankfully, the same application that will be used
to determine what coverage options you qualify for will also tell you how much
financial help you can get.

What is Medicaid, how is it changing under the new law, and how does that
affect my insurance choices?
Medicaid is a health coverage program that exists in every state. States set the
rules about who can enroll in Medicaid. In the past, coverage has been mostly
limited to low-income children, their parents, pregnant women, and people with disabilities. But starting in January 2014, many states will start allowing more people to enroll in Medicaid.
Thankfully, the same application will be used to determine eligibility for coverage
through the Health Insurance Marketplace, and for Medicaid and the Children’s
Health Insurance Program (CHIP).
The same application will help every member of the household determine what
coverage and financial assistance they are eligible to receive.

Which states are expanding Medicaid coverage?
States are still making decisions about whether to expand Medicaid. States can
choose to expand Medicaid at any time, including after January 1, 2014. To see if
your state has expanded Medicaid, please visit:
www.getcoveredamerica.org/medicaid-expansion

Where can I get help enrolling?
Assistance will vary from community to community. That’s why Get Covered
America is setting out to make sure neighbors, friends, and family members are
well-informed about the process and know where people can get help in their
community. Once the Marketplaces open, we will be able to connect you with the
right enrollment resources. Sign up for more info at www.getcoveredamerica.org.

I want to help. How can I get involved?
Get Covered America is recruiting volunteers across the country. If you’re interested
in volunteering to help tell your community about changes to the health law, visit
www.getcoveredamerica.org/volunteer and someone from our team will be in touch.

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