How to Get Health Plan Details Other Than Through Healthcare.gov Website

Where, other than www.HealthCare.gov can you get more information about the plans available on the Marketplace?

For more information about each of the plans available on the Marketplace, visit the specific insurance companies offering plans in your area.

Each carrier can provide you with details about the plans that the carrier is offering on the Marketplace.  Such details include rates, plan details such as deductibles, copayments, out of pocket maximums, health care provider networks and the costs associated with using in network and out of network providers, costs associated with prescription drugs, costs associated with office visits and specialist visits, costs associated with X-rays and various other plan details.  In Iowa, six insurers have signed contracts to offer plans on the Marketplace.

Two of the companies, Coventry Health Care of Iowa, Inc. and CoOportunity Health, are offering statewide coverage for individual health care coverage, while CoOpportunity Health will also offer statewide small group plans. Two insurers will offer individual and small employer group plans for smaller regional markets. Those companies are Avera Health Plans and Gundersen Health Plan, Inc.  Two companies; Sanford Health and Health Alliance Midwest, Inc., will offer small group plans only. In addition, three companies will offer stand-alone dental plans on the Marketplace.  Please find the contact information for each insurer below:

Individual and Small Business Health Options (SHOP) insurers:

Avera Health Plans (regional individual) http://www.averahealthplans.com/ 1-855-692-8372

CoOportunity Health (statewide individual, SHOP) http://www.cooportunityhealth.com/ 515-777-7050

Coventry Health Care of Iowa (statewide individual) http://chciowa.coventryhealthcare.com/ 1-800-470-6352

Gundersen Health Plan (regional individual) https://www.gundersenhealthplan.org/ 1-800-362-9567

Health Alliance Midwest (regional SHOP) https://www.healthalliance.org/ 1-800-851-3379

Sanford Health Plan (regional SHOP) http://sanfordhealthplan.org/ 1-800-251-5316

Dental Insurers:

BEST Life and Health Insurance Co. http://www.bestlife.com/ 1-800-237-8543

Delta Dental Plan of Iowa http://www.deltadentalia.com/ 1-877-983-3582 ext 3

The Guardian Life Insurance Co. of America http://www.guardianlife.com/ 1-212-598-8000

 

You may also use an Insurance Agent or broker to obtain plan details.  Whatever method you choose, it is important to know that you will not receive any tax credits or cost sharing subsidies that you may be eligible for unless you enroll through the Marketplace.  However, you are still free to choose a major medical health insurance plan off of the Marketplace to avoid the tax penalty that will be imposed upon non-exempt individuals who do not have major medical health insurance in 2014.

For more information about these and other topics related to Health Care Reform and the Affordable Care Act, come to a public meeting in your area, presented by the Iowa Insurance Division, the Department of Human Services and the Iowa Department of Public Health.  Visit the following website to find an event in your area:

http://insuranceca.iowa.gov/

Tuesday, October 22, Noon

 

Iowa City

Employers

Iowa City Public Library, Meeting Room A, 123 South Linn Street

Wednesday, October 23, 6:30 p.m.

Cedar Rapids

Consumers

Marion Public Library

Meeting Room A

1095 Sixth Avenue

Thursday, October 24, 6:30 p.m.

Chariton

Consumers

Chariton City Community Center

915 Osage Ave.

Saturday, October 26, 10:00 a.m.

 

Burlington

Consumers

Burlington Public Library

210 Court St

Tuesday, October 29,6:30 p.m.

 

Sioux City

Consumers

Mercy Medical Center, Leiter Room

801 Fifth Street

The following events are scheduled in the near future: