Immigrants Health Insurance Through Marketplace
Out of nearly 40 million people living in U.S. who were born elsewhere, about a third does not have health insurance. And about 9 million people in the U.S. belong to immigrant families in which at least one child is a citizen, according to the Pew Research Center’s Hispanic Trends Project.
Many immigrants and their dependents who are illegally residing in US are worried that their personal information could somehow draw attention to immigration authorities. The majority of families, they know it’s something they need to do and they are scared to apply for the Medical insurance. Some are so alarmed that they prefer to see their near ones go without coverage than risk by giving personal information to a federal agency. Noncitizens are so fretful to even apply for a citizen child.
Getting a medical insurance for an immigrant is not possible in US, since they are staying illegally but one way they can obtain insurance is through an eligible relative who is a legal resident or citizen of US.
President Barack Obama, on one side is promoting the concept of a health insurance exchange and on the other side we see the immigration bill in bits and pieces. He wants to create a market where Americans, can one stop shop for a health care plan, compare benefits and prices, and choose the plan that’s best for them with an affordable basic benefit package that includes prevention, and protection against cataclysmic costs, where the public can take advantage of health care market that is more competitive and keeps insurance companies honest.
In mid October 2013, Immigration and Customs Enforcement published a “clarification” designed to assuage fears. As per the memo the information obtained through health care registration would not be used to pursue immigration cases against anyone in the country staying illegally. Immigrant advocates and the federal government have been working to reassure families that their information will not be shared with enforcement agencies. The effort has led to changes in the main health care website and a memo from immigration authorities promising not to go after anyone based on insurance paperwork. As they have felt that immigrant families are important to the success of the health care overhaul, especially in Texas, which has the nation’s highest rate of uninsured people, many of whom are immigrants.
By bringing this enforcement, the government has relaxed the mind of millions of immigrants by taking advantage of Health Insurance Marketplace. So what is this Insurance Marketplace?
The Marketplace or the health insurance “exchange” is a new way to find quality health coverage. It helps an immigrant who doesn’t have medical insurance coverage or having possessed insurance but want to look at other options. With one Marketplace application, they can learn if they can get at affordable price based on their income, with the help of the enroll options by scrolling down side-by-side they can compare the best deal and price.
Insurance plans in the Marketplace are offered by private companies. They all cover the same essential health benefits. No plan can spin around any immigrants who are facing any illness or medical condition; they must cover treatments for these conditions. Plans can’t charge women more than men for the same plan. Many preventive services are covered without any cost to the immigrants.
The health insurance marketplace helps uninsured people to find proper and best priced health coverage. When an immigrant fills out the marketplace application they get to know if they qualify for:
–Private health insurance plans: – they get to know if they qualify for lower cost based according to their household size and income. Plans that cover essential health benefits, pre-existing conditions, and preventive care. The advantage of this is that even if they don’t qualify for lower costs, they can still use the marketplace to buy insurance at the standard price.
–Medicaid and the Children’s Health Insurance Program (CHIP):- These programs provide coverage to millions of families with limited income. If it looks like they qualify, they will share information to their state agency and they’ll contact them. One thing to keep in mind with this insurance is that not all states are expanding Medicaid in 2014 to cover more people.
The positive side of the marketplace is that it can be operated from any part of the state. Some states even operate their own marketplace. In some state, the marketplace is run by the federal government.
One can apply for marketplace coverage by 4 ways: online, by phone, with a paper application, or in person with the help of a navigator or their qualified helper. Telephonic conversation and online chat are available 24/7.