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Tips on Using Your New Marketplace Coverage

Now that you’ve joined millions of Americans in getting health coverage through the Health Insurance Marketplace, here are some basic tips on how get started.

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Make sure you're covered

If you think you've signed up for health insurance but haven't heard from your insurance company, be sure to find out if you're covered. Remember that once you enroll in a plan, you must pay your first premium directly to the insurance company — not to the Health Insurance Marketplace.

Get prescription drugs through your new plan

Health plans help pay the cost of certain prescription medications. Find out which of your prescriptions are covered and which pharmacy in your area works with your plan.

Get medical care and find a doctor

Most health plans give you the best deal on services when you see an in-network doctor who has a contract with your health plan. Find primary-care doctors, specialists and other health care providers who are covered through your new plan. Your plan will have a list of in-network providers on their website.

Get emergency care

In an emergency, you should get care from the closest hospital that can help you. Your insurance company can't charge you more for getting emergency room services at an out-of-network hospital.

Use your new coverage to improve your health

Now that you have health coverage, learn what you can do to stay healthy and get the care you need. Most health insurance plans must now cover proven preventive benefits such as immunizations, and screenings for diabetes and certain cancers.

Appeal a health plan decision

If your health insurance company doesn’t pay for a specific health care provider or service, you have the right to appeal the decision and have it reviewed by an independent third party.

If you have questions about your new marketplace coverage, contact your insurance company directly. Or you can contact the Health Insurance Marketplace at 800-318-2596.

Nasty Things To Throw Away: Germs and bacteria are hiding in plain sight in items that you use everyday. Before they take over and make you sick, here is AARP's list of the nastiest things you should toss out immediately!

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