Finding affordable health insurance on the marketplace

From Bullhook Community Health Center

Are you still looking for health insurance that is affordable? The deadline to enroll in the Health Insurance Marketplace is fast approaching.

The Certified Application Counselors at Bullhook Community Health Center can help you find a health insurance plan that meets your needs and your budget. They can help you understand and compare plans, benefits, and other features. Most Montanans will qualify for a tax credit and cost sharing reductions.

If a person has not been able to get insurance in the past, under the Affordable Care Act, an insurance company can not deny you coverage or charge you more for a pre- existing condition.

All plans provide wellness and prevention services such as, well women and child checks, mammograms, pap smears, colonoscopies, prostate screenings, blood pressure and cholesterol checks, immunizations, as well as diabetes monitoring, which will be covered at 100 percent, making early detection the best medicine.

Did you know that a family of four with an income of $23,900 can get a plan starting at $36 a month, with low deductibles? A family of six with an income of $32,000 can get a premium as low as $48 a month. Native Americans and Alaskan Natives enrolled in a federally recognized tribe can enroll anytime they choose and as often as they want, with little or no premium and no deductibles. They can continue to get health care through the Indian health care services, but will have expanded health care options and better access to specialists.

One in six Americans suffer from mental illness or substance abuse, placing these diseases at the forefront of our nation’s health care system. Many of the insurance plans have been expanded to provide services to millions of these individuals that are uninsured. Coverage will include behavioral health treatment, such as psychotherapy and counseling, mental and behavioral health inpatient services and substance use disorder treatment.

Statistically, health coverage is associated with better health outcomes for adults and children. It is also associated with having a regular source of care, having a primary care provider, getting regular checkups and screenings.

Affordable health care premiums allow patients to purchase their health care plans without having to make sacrifices in their budget. Remember that Feb. 15 is the last day to enroll. Get covered today for your good health and peace of mind.