Tom's Take: Insurance ExchangeSep 25, 2013
Dr. Miller: We're finally here. Obama care is around the corner and the exchanges start on October 1st. And I'll tell you why you should care. This is coming up on Tom's Take.
Announcer: And now it's time for some straight talk from Dr. Tom Miller, on Health Trends. Patient concerns, medical myths, the state of healthcare, this is Tom's Take on The Scope.
Dr. Miller: Obama care has been a long process as all of you know, and you've read many different things in the media about it, but on October 1st the health exchanges open and this gives a lot of the population without insurance a chance to purchase insurance. This is going to be a bit confusing because many of us don't really know how to navigate through that. That word navigate, the government has paid the state of Utah to train a few navigators that can actually help you sort out which plans might be best for you.
To do that, I'm going to say it twice, and this is the first time, go to healthcare.gov and begin to go through the website, it'll tell you how to get in touch with the navigators, to talk to them personally about your situation. It will also tell you whether you are approved for subsidies to purchase health care and they'll go through the different plans. If you're underinsured you're going to need to purchase health care before 2014 or you're going to have to pay a fine after that.
Now if you have insurance through your employer, you may actually be able to go to the exchange, if you're paying a certain amount for the health care, that they'll also help you with that. If you have Medicare, you don't need to go to the exchange and if you are on Medicaid you will not need to change insurance.
So to wrap up, basically you need to know how to navigate through the system to purchase health care. I wouldn't delay. I know it's confusing and it's our tendency to procrastinate, but I'd like you to get started on this and look in to purchasing health care through one of the exchange products.
Go to healthcare.gov, get hold of a navigator, and I will tell you that many people that are underinsured now have the ability to buy affordable insurance for them and their families, whereas that wasn't the case in the past. So if you have a catastrophic medical problem, you now have the ability to come in and get treated without having a horrendous bill. That's a good thing in my opinion. I'm Dr. Tom Miller and that's my take.
Announcer: We're your daily dose of science, conversation and medicine. This is The Scope, University of Utah health and science radio.