Health exchanges ready for open enrollment
Photo: Video by ktnv.com
CREATED Sep. 10, 2013
Las Vegas, NV (KTNV) -- In just three weeks open enrollment begins for health insurance required under the Affordable Care Act.
The Nevada Health Exchange and insurance companies are preparing for a barrage of questions from uninsured Nevadans in the next six months.
"I don't fully understand it all as I've heard about it,” Reggie Robinson said.
Robinson is among an estimated 45 million uninsured Americans who may turn to newly formed health exchanges for insurance to avoid a tax penalty next year.
"We are getting a lot of questions about how do I find the right plan, which is complicated," Bobbette Bond, Chief Project Officer for Nevada Health Co-op said.
Bond is working to get the Nevada Health Co-op up and running before the start of open enrollment which starts October 1st.
"We are frantically trying to finish our data transmission and make sure we get all our pieces in place," Bond said.
The co-op is working to put the finishing touches on its office on Meadows Lane including a customer service center on the bottom floor where they hope to answer customer’s questions about how the Affordable Care Act impacts them.
One of the first questions they are likely to get is, how much is the insurance going to cost me?
Bond says it is all dependent on how your income relates to the national poverty rate.
"It's a sliding scale where you pay anywhere from, if you are at that 138 percent level, only three percent of your income for your premiums and then as you get in the highher income bracket it increases to nine percent of your income," Bond said.
The subsidies don't stop at the premiums; they also extend to the pharmacy and doctors office.
"In addition to your premium there is a second set of subsidies to help you with your doctor visit, help you with your deductible," Bond said.
Another question we heard from viewers was what type of plans would be offered on the exchanges.
The Nevada Health Co-op has three types of plans including a preferred provider plan as well as an HMO type plan.