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In nearly every community across the country, the Affordable Care Act (ACA) is working to increase access to affordable, quality health care. For Latinos, an estimated 8 in 10 who were previously uninsured qualified for Medicaid, the Children’s Health Insurance Plan (CHIP), or lower costs on monthly premiums through the Health Insurance Marketplace.
To date, over 4 million Latinos (ages 18-64) have gained health coverage, lowering the overall uninsured rate among Latinos by nearly 8%. Also, over 913,000 Latino adults 19-26, who would have previously been uninsured, now have coverage under their parents’ plans.
Getting health insurance is an important first step for overall better health. Once you have your coverage, how do you make it “work” for you? The U.S. Centers for Medicare & Medicaid Services (CMS) has released some helpful tips on getting the most out of a health plan.
First, find a provider you trust. Even if you are well and don’t need care right now, it’s important to find a doctor you trust. According to CMS, you will “get the best deal” if you choose a provider in your network; if your doctor is outside of your network, you might pay more in fees or not be covered at all. You can see if your doctor is in your network by visiting your health plan’s website.
Next, the CMS recommends understanding your deductible. It’s important to understand how much you will pay out of pocket for your medical services. Your deductible will be the amount you pay before your coverage plan pays its share. It’s important to learn which services in your plan aren’t subject to your plan’s deductible. Read your plan materials very carefully to see what is covered, or call your insurance provider with questions.
Finally, use your preventative health care services. Through the Marketplace, all plans cover preventative health care before you meet your deductible and at no cost. These include: cancer screenings, immunizations, contraceptive services for women, well-child visits, annual well-woman visits, regular pediatric services (including shots), and breastfeeding benefits for nursing women.
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By The Numbers
25.1
percent
of Latinos remain without health insurance coverage
