Cross-posted from TargetHIV
From the ACE TA Center Listserv - Below are six key messages to share with clients about the benefits of health coverage and tips for finding the best health plan during Open Enrollment. These are among the ideas that will be shared in the September 26 webinar, Tips and Resources for Enrollment Assisters to Help Enroll People Living with HIV in Health Coverage—Part 4 of the HRSA ACE TA Center's Preparing for Open Enrollment series.
Share these tips with clients during routine medical appointments, ADAP certification appointments, and other case management or benefits counseling activities.
Key Open Enrollment Messages to Share with Clients
- The Ryan White HIV/AIDS Program (RWHAP) is not health insurance! Health insurance covers care for all of your health needs, including unexpected and catastrophic medical events, in addition to HIV care and medications.
- Someone can help you find and select a plan, fill out your application, and enroll.
- You should actively compare plans to avoid getting auto-enrolled into a plan that may not be the best option for your health needs.
- Plans with cheaper premiums aren’t always the best! When you review plans, remember that out-of-pocket costs for medical visits and medications throughout the year can add a lot to how much your health insurance and care will actually cost.
- Avoid short term plans, particularly those that do not include coverage for Essential Health Benefits or protections for pre-existing conditions.
- In many places, the RWHAP, including ADAP, can help you pay for insurance if you qualify.