You’ve decided to get in better shape by running outdoors in the weeks ahead, but you probably don’t plan on getting injured.
If that were to happen, do you have health insurance to cover at least some of the cost? If not, are you eligible to get health insurance through the New York State of Health marketplace, nystateofhealth.ny.gov?
Those eligible for health insurance have until March 31 to get it, or face the prospect of a penalty – or tax – of $95 per person, per household or 1 percent of income, whichever is higher. The penalty climbs to $325 per person or 2 percent of income next year.
When comparing plans, it’s also important to look at co-pays and whether a doctor you might see is in your “network.” Providers, including radiologists and anesthesiologists who participate with your health plan, are part of that network.
“With days left to sign up for a health plan on the NY State of Health marketplace, uninsured individuals still have time to do their homework on their various options,” Lynne Scalzo, vice president for business strategy and administration at Univera Healthcare said in a news release. “That includes checking to see if all of their doctors participate with the health plan they’re about to select.”
The following are among the costs people who see out-of-network doctors instead of those who are in their health plan’s network may confront going forward: $10,000 more out of pocket for a knee replacement; $2,500 more for a cesarean section; $500 more for treatment of a concussion.
Out-of-pocket costs can vary on the type of health plan. If your health plan has a deductible, you’ll have to pay the deductible amount for covered services before the insurer pays all or part of the remaining costs.
To view a mobile-friendly version of a related Univera infographic, visit brand.univerahealthcare.com/infographics/pocket.php.