As the amount the insurance company is responsible for goes down, so does the monthly premium.
Some people asked how the plans differed in their coverage. One woman asked: Could one plan turn you away for a surgery you need?
Those categories, D’Agostino explained, do not reflect the quality or amount of care the plan provides. All certified, qualified health plans on the marketplace have to provide essential health benefits that include emergency services, hospital care and surgeries, maternity and newborn care, outpatient care, prescription drugs, rehabilitative services, laboratory services, preventive and wellness services and pediatric services.
The key then, especially when buying insurance outside the marketplace, is to make sure the plan is a certified, qualified health plan. People should ask about that, she said.
D’Agostino is spreading these messages throughout Howard County. She spoke to the Family Services Association and will talk with students and staff at Ivy Tech Community College Kokomo in November. She has answered countless questions over the phone and met people in person to help them solve their problems.
People usually feel much better after learning more about the exchange. D’Agostino said that’s understandable.
“It was confusing to me before I was trained,” she said. “Once we reduce the confusion, people feel more empowered to make informed decisions.”
D’Agostino said she believes that’s what the ACA is all about.
“The ACA empowers us to be responsible and pay in the kitty so we can help each other and keep costs low,” she said.
Lindsey Ziliak, Tribune education reporter, can be reached at 765-454-8585 or at email@example.com.
Anyone with questions about the Affordable Care Act or new health insurance marketplace can call navigator Nemramy D'Agostino at 765-864-4160 ext. 4202. She can answer questions over the phone or schedule a meeting.