Learn the lingo.
Below are common health insurance terms. Please consult with your plan for specific plan benefits.
Navigating the healthcare system can be a complex journey. Accessia Health® strives to simplify this journey by offering comprehensive educational resources that help connect the dots and guide you towards informed health decisions. Amplify Your Voice, Control Your Care means ensuring you have the knowledge and confidence to speak up about your needs, ask the right questions, and make the best choices for your healthcare journey. With the right support, your voice becomes stronger, and your care becomes truly your own.
Read on for more information and resources.
Join us as we provide the education and tools to amplify your voice and take control of your health care. With the right information, you are better equipped to make informed decisions for the care of yourself and your loved ones.
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Select your state to learn more about your health insurance options.
State Based Exchange
Federally Based Exchange
The following websites provide resources, support, and information for caregivers
EXTRA HELP:
Anyone who has Medicare can get Medicare prescription drug coverage. Some people with limited resources and income may also be able to get Extra Help with the costs — monthly premiums, annual deductibles, and prescription co-payments — related to a Medicare prescription drug plan. The Extra Help is estimated to be worth about $5,300 per year.
PUBLICATIONS:
Provided by the Social Security Administration Office, This Third-Party Disability Application Video Series provides instructions for people assisting members of the public with filing a disability application by paper or online. The four-part video series will walk you through the necessary forms and steps needed to file a complete third-party disability application for the person you are assisting.
The four-part video series includes:
For further resources related to legal and practical education about the right time to apply, navigating benefits for family members, and transitioning off of SSDI/SSI benefits, visit Triage Health for free Quick Guides, Checklists, Worksheets, and other materials.
Below are common health insurance terms. Please consult with your plan for specific plan benefits.
Through the Basic Health Program, states can provide coverage to individuals who are citizens or lawfully present non-citizens, who do not qualify for Medicaid, CHIP, or other minimum essential coverage and have income between 133 percent and 200 percent of the federal poverty level (FPL). People who are lawfully present non-citizens who have income that does not exceed 133 percent of FPL but who are unable to qualify for Medicaid due to such non-citizen status, are also eligible to enroll.
A percentage of costs that you pay for covered health care services usually after you’ve paid your deductible.
A fixed dollar amount that you pay for a covered health care service usually after you’ve paid your deductible.
The amount you pay for covered health care services before your insurance plan will pay for those services.
A list of prescription drugs covered by your plan’s prescription benefits.
Employer sponsored coverage is health insurance obtained through an employer and offered to employees and their dependents. It is also commonly called group coverage.
Individual health insurance policies are not connected to employer sponsored coverage. Such policies may be purchased directly from an insurance company or through a health insurance marketplace for you and your family.
Federal-state insurance program, and its guidelines vary from state to state. It serves low-income people of every age. Patients usually pay no part of costs for covered medical expenses; however, a small copayment is sometimes required.
Federal health insurance program for: People who are 65 or older, certain younger people with disabilities, and people with end-stage renal disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).
The maximum amount that you have to pay for covered services in the plan’s coverage year.
The amount you pay each month to have health insurance coverage.
The providers, facilities, and pharmacies that your plan has contracted with to provide health care services.
TRICARE is the health care program for uniformed service members, retirees, and their families around the world.
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