Health Insurance Marketplace: Glossary of Terms

Affordable Care Act: 

The comprehensive health care reform law enacted in March 2010. 

Application Assistance: 

There are people available in every state to help consumers understand the enrollment process, their health plan options and the application. These helpers have many different names, but the important thing is that they are there to help consumers. Depending on the state, they may be called navigators, in-person assisters, certified application counselors or something else. No matter what they are called, they are there to provide unbiased assistance. 

Children’s Health Insurance Program (CHIP): 

This program provides health coverage to nearly 8 million children in families with incomes too high to qualify for Medicaid, but too low to afford private coverage. 

Financial Assistance: 

Financial assistance is available to help people pay for health insurance if they enroll in a plan through the Health Insurance Marketplace. For those who qualify for financial assistance, the government pays a portion of health insurance premiums directly to the health insurance companies every month. This lowers the amount of money qualifying people have to pay for health insurance premiums every month. 

Health Insurance Marketplace (Exchange): 

The Health Insurance Marketplace (Exchange) is a way to compare and purchase health insurance plans. Every state has one, and it provides people with choices of insurers and plans that are affordable and in a way that makes it easy to understand and compare them. 

Health Insurance Requirement: 

As part of the health care law, most Americans need to have health insurance. People without health insurance may need to pay a penalty. Uninsured people do not have to pay a penalty if they have very low income and coverage is unaffordable, or for other reasons including religious beliefs. People can apply for a waiver asking not to pay a penalty if they are not automatically exempt. 

Medicaid: 

A state-administered health insurance program for low-income families and children, pregnant women, the elderly, people with disabilities and, in some states, other adults. In January 2014, many states started allowing more people to enroll in Medicaid. A number of states are expanding Medicaid coverage, while several states are not moving forward at this time. To see which states have expanded Medicaid, visit: KFF.org/Medicaid

Medicare: 

A federal health insurance program for people who are age 65 or older and certain younger people with disabilities. 

Open Enrollment Period: 

The period of time when people can enroll in coverage in the Health Insurance Marketplace. The 2016 open enrollment period runs from November 1, 2015, through January 31, 2016. 

 

 

Source: Centers for Medicare & Medicaid Services

Blog Posts From

Statement from the Sisters of Charity Health System: A CALL FOR RACIAL JUSTICE AND RECONCILIATION

The recent deaths of George Floyd, Ahmaud Arbery, Breonna Taylor and others in similar circumstances remind us that racism continues to cast a long shadow across our nation. Structural racism is also manifesting significantly today through the disproportionate deaths of Black Americans and other people of color from COVID-19. We must respond in a renewed commitment to justice and peace. Let us work in solidarity to end the racism and violence that continues to devastate the health and well-being of too many. [More]

tags: Advocacy, health care, Outreach, Prayers, Foundations

Mercy Medical Center sends recovered COVID patients home with a song

Recovered COVID-19 patients are being serenaded upon their discharge from Catholic hospitals with inspiring tunes. Mercy Medical Center is one of those hospital, and is letting COVID patients pick which song they want to hear as they are heading out. Mercy and some of the songs patients have chosen were mentioned in a Catholic Health World article about music being used to rejoice in the victories of patients who have survived serious or near-fatal complications of the virus and are going home.[More]

tags: Mercy Medical Center, health care

St. Vincent Charity Medical Center president & CEO pens letter about providing a safe place to receive care

St. Vincent Charity Medical Center President & CEO Janice G. Murphy penned a letter that appears on the hospital's website encouraging people not to postpone regular preventative care, diagnostic tests and follow-up visits. She starts the letter by writing: "During the coronavirus pandemic, we are guided by our long-held mission to treat every patient with clinical excellence and compassionate care. With your health as our priority, we assure you that St. Vincent Charity Medical Center facilities provide a safe place for you to receive care."[More]

tags: St. Vincent Charity Medical Center, health care

Mercy Medical Center announces clinical excellence award winners during National Nurses Month

Mercy Medical Center is celebrating its nurses who deliver primary and preventive health care to enrich lives and communities in the Canton area. During National Nurses Month, Mercy announces its 2020 Clinical Excellence Award winners–Kristin Beabout, Sara Carter, Linda Shilts, Gina Stover and Rachel Wilson. As part of the annual celebration, Mercy honors nurses who have been selected for exceptional clinical skills, teaching abilities, communication skills, teamwork and professionalism.[More]

tags: Mercy Medical Center, health care

Fatherhood program helping father of two young daughters overcome barriers to being a better dad

A father of two young daughters, Thomas Mayfield had a laundry list of barriers when the Georgetown County Dept of Social Services (DSS) recommended that Thomas enroll at A Father’s Place (AFP), a program of the the South Carolina Center for Fathers and Families. Finding the resources at AFP has helped him gain temporary custody of his children and given Mayfield a new road map to follow.[More]

tags: South Carolina Center for Fathers and Families, Outreach