Individuals &
Families

More than 1.5 million people in Illinois who were uninsured in 2013 are now are guaranteed access to affordable, quality health insurance coverage. Consumers now need to understand how to navigate the healthcare system and the new health insurance marketplace in order to access coverage, and make use of the healthcare protections and benefits now available.


YOUR QUESTIONS ANSWERED

 Q:   I underestimated my 2014 income for premium tax credits. I'm not able to pay the IRS back by April 15. Will I have an additional penalty?

 A:   No.  You will not have to pay a fine if you don't already owe the IRS money and report the amount of premium tax credits owed in your 2014 tax return.You can file for an extension to pay back the IRS. This release from the IRS explains who will be waived from the penalty and this article from Forbes clarifies the information.

 Q:   Can people with SHOP coverage delay Medicare Part B enrollment without the penalty?

 A:   Yes. A person with SHOP coverage is the viewed the same as a person with an employer group health plan. The same enrollment rules apply. People must enroll in Medicare Part B within 8 months of retirement or their SHOP coverage ending, whatever comes first. This question and answer from Healthcare.gov addresses concerns Medicare beneficiaries may have about the marketplace.

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RESOURCES FOR YOU

Estimating Your Doctor Bills

The National Health Council created a calculator that helps health care consumers predict their annual out of pocket expenses.

Ombudsman Contact Information 

The Home and Community Ombudsman program is a free service for enrollees in the Medicare Medicaid Alignment Initiative. Ombudsman advocate for enrollee rights and solve problems with their services. This 2015 information sheet tells who to call for Ombudsman services.

What Happens After Enrolling in Medicaid Coordinated Care?

This May 2015 timeline from Health & Disability Advocates and the Make Medicare Work Coalition outlines what  enrollees should expect from their managed care plans.

Roundup of OE2 Q’s

The Georgetown University Centers For Children and Families and Health Insurance Reforms compiled a list of common questions raised during the second open enrollment period. The February 2015 FAQ covers tax-filing issues, counting household income and employer coverage.


More resources