{"id":114751,"date":"2022-11-18T22:11:47","date_gmt":"2022-11-19T03:11:47","guid":{"rendered":"https:\/\/www.thevalleyledger.com\/?p=114751"},"modified":"2022-11-18T22:11:47","modified_gmt":"2022-11-19T03:11:47","slug":"finding-the-right-healthcare-coverage-for-you","status":"publish","type":"post","link":"https:\/\/www.thevalleyledger.com\/?p=114751","title":{"rendered":"Finding The Right Healthcare Coverage For You"},"content":{"rendered":"<p><b>By Capital Blue Cross \u2013 \u00a0<a href=\"https:\/\/thinkcapitalbluecross.com\/\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/thinkcapitalbluecross.com\/&amp;source=gmail&amp;ust=1654909453857000&amp;usg=AOvVaw3Tyb16vWed2tRPSlihIudM\">THINK<\/a>\u00a0(Trusted Health Information, News, and Knowledge) is a community publication of Capital Blue Cross. Our mission is to provide education, resources, and news on the latest health and insurance issues.<\/b><br \/>\nQuality healthcare coverage is important not just to your overall health, but also for your peace of mind. If you\u2019re one of the nearly 17 million Americans planning to buy health insurance for you or your family for 2023, you need to know the basics behind the healthcare insurance marketplace.<\/p>\n<p><span class=\"\">If you\u2019re one of the nearly 17 million Americans planning to buy health insurance for you or your family for 2023, exploring your coverage options might seem daunting. Understanding the basics behind the healthcare insurance marketplace can help cut through the confusion.<\/span><\/p>\n<p><span class=\"\">Commercial individual health insurance plans are primarily for people who don\u2019t have insurance coverage through their employers and don\u2019t qualify for coverage through other options like Medicare, Medicaid, or the Children&#8217;s Health Insurance Program (CHIP). Toward the end of each year, there is an \u201copen enrollment period\u201d (OEP) for buying individual coverage for the coming year. For benefits to begin in 2023, OEP runs from Nov. 1, 2022 through Jan. 15, 2023. (You must enroll by Dec. 15, 2022\u00a0if you need coverage to start on Jan. 1, 2023.)<\/span><\/p>\n<p><span class=\"\">The best place to start shopping depends on where you live. In Pennsylvania, for example, the online marketplace is called\u00a0<\/span><a href=\"https:\/\/pennie.com\/\"><span class=\"\">Pennie<\/span><\/a><span class=\"\">. If you do not live in Pennsylvania, you can start with the federal Health Insurance Marketplace at\u00a0<\/span><a href=\"http:\/\/www.healthcare.gov\/\" target=\"_blank\" rel=\"noopener\"><span class=\"\">healthcare.gov<\/span><\/a><span class=\"\">.<\/span><\/p>\n<p><span class=\"\">You\u2019ll likely find multiple coverage options depending on your healthcare needs and budget, but here are a few things you might want to consider:<\/span><\/p>\n<ul>\n<li><span class=\"\">Are the doctors or hospitals I prefer to use part of the plan\u2019s network?<\/span><\/li>\n<\/ul>\n<ul>\n<li><span class=\"\">Does the plan offer telehealth services so I can access care remotely if needed?<\/span><\/li>\n<\/ul>\n<ul>\n<li><span class=\"\">Do I need prescription drug coverage?<\/span><\/li>\n<\/ul>\n<ul>\n<li><span class=\"\">How much are the copays for visits to my primary doctor, specialists, urgent care, or emergency rooms?<\/span><\/li>\n<\/ul>\n<p><span class=\"\">If you\u2019re looking for individual or family coverage, Capital Blue Cross has affordable, high-quality plans that provide no-cost preventive care, access to an extensive network of doctors and hospitals, and even wellness rewards for reaching certain personal health goals.<\/span><\/p>\n<p><span class=\"\">If you\u2019re concerned about affordability, you may be eligible for a subsidy or cost-sharing reductions when you purchase your coverage through Pennie, which may help make coverage more affordable. Financial assistance is based on factors like your household income, how many people are in your household, and where you live. For information on whether you may be eligible for assistance, visit the\u00a0<\/span><a href=\"https:\/\/pennie.com\/shop\/financial-assistance\/\"><span class=\"\">Pennie website<\/span><\/a><span class=\"\">.<\/span><\/p>\n<p><span class=\"\">Still need help? Here are some useful places to start:<\/span><\/p>\n<ul>\n<li><span class=\"\">Visit Capital Blue Cross\u2019 website for more details on\u00a0<\/span><a href=\"https:\/\/www.capbluecross.com\/wps\/portal\/cap\/home\/shop\/individual?utm_source=Member%20Communications&amp;utm_medium=Mail&amp;utm_campaign=Member%20and%20prospectcommunications&amp;utm_content=Plans%20for%20you\"><span class=\"\">individual and family plans<\/span><\/a><span class=\"\">.<\/span><\/li>\n<\/ul>\n<ul>\n<li><span class=\"\">Call Capital\u2019s toll-free assistance line at\u00a0<\/span><a href=\"tel:8004511181\" target=\"_self\" rel=\"noopener\"><span class=\"\">800.451.1181<\/span><\/a><span class=\"\">.<\/span><\/li>\n<\/ul>\n<ul>\n<li><span class=\"\">If you prefer an in-person consultation,\u00a0<\/span><a href=\"https:\/\/www.capbluecross.com\/wps\/portal\/cap\/home\/explore\/store\/appointment\" target=\"_blank\" rel=\"noopener\"><span class=\"\">schedule an appointment<\/span><\/a><span class=\"\">\u00a0at one of our\u00a0<\/span><a href=\"https:\/\/www.capbluecross.com\/wps\/portal\/cap\/redirect\/cross\/capital-blue-cross-connect\" target=\"_blank\" rel=\"noopener\"><span class=\"\">Capital Blue Cross Connect<\/span><\/a><span class=\"\">\u00a0health and wellness centers.<\/span><\/li>\n<\/ul>\n<p><span class=\"\">Quality healthcare coverage is important not just to your overall health, but also for your peace of mind. Understanding your healthcare needs, and your coverage options, can help you and your family make the best decisions to stay healthy.<\/span><\/p>\n<p><strong>You can find more useful articles at <a href=\"https:\/\/thinkcapitalbluecross.com\/\" target=\"_blank\" rel=\"noopener\">https:\/\/thinkcapitalbluecross.com\/<\/a><\/strong><\/p>\n<p>Information provided to TVL by:<br \/>\nJERRY REIMENSCHNEIDER<br \/>\nSenior Public Relations Specialist | Brand &amp; Market Strategy<br \/>\n<a href=\"https:\/\/www.capbluecross.com\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.capbluecross.com\/<\/a><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>By Capital Blue Cross \u2013 \u00a0THINK\u00a0(Trusted Health Information, News, and Knowledge) is a community publication of Capital Blue Cross. Our mission is to provide education, resources, and news on the &hellip; <a href=\"https:\/\/www.thevalleyledger.com\/?p=114751\" class=\"more-link\">Continue reading <span class=\"screen-reader-text\">Finding The Right Healthcare Coverage For You<\/span> <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":114752,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[482],"tags":[],"class_list":["post-114751","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-release-2"],"jetpack_publicize_connections":[],"acf":[],"jetpack_featured_media_url":"https:\/\/www.thevalleyledger.com\/wp-content\/uploads\/2022\/11\/capital-connect.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.thevalleyledger.com\/index.php?rest_route=\/wp\/v2\/posts\/114751"}],"collection":[{"href":"https:\/\/www.thevalleyledger.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.thevalleyledger.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.thevalleyledger.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.thevalleyledger.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=114751"}],"version-history":[{"count":0,"href":"https:\/\/www.thevalleyledger.com\/index.php?rest_route=\/wp\/v2\/posts\/114751\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.thevalleyledger.com\/index.php?rest_route=\/wp\/v2\/media\/114752"}],"wp:attachment":[{"href":"https:\/\/www.thevalleyledger.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=114751"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.thevalleyledger.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=114751"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.thevalleyledger.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=114751"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}