The Affordable Care Act and you: Week 6, Part B

By WEEK Producer

October 3, 2013 Updated Oct 4, 2013 at 4:13 PM CDT

EAST PEORIA, Ill. -- The Affordable Care Act marketplace has been open for just two days and already there are a lot of questions surrounding the new insurance exchange.

Earlier this week, we asked you to post some of your questions on our HOI 19 News Facebook fan page, and now we have some answers to those questions.

 

Q: Our first question is from Peyton.  She asked if families who get the Illinois's All Kids Card need to participate in the Affordable Care Act?

A: “All adults will need to have health insurance effective January 1 under the individual mandate and that includes the kids,” said Bill Shock of the Unland Companies. “I would advise that person to check with their local health department and talk to those folks who have helped them engage that Illinois All Kids program before to get guidance on that one."

 

Q: Our second question comes from Carla. She is worried about a 21-year-old male who is unemployed, not living with his parents and has no income. What should he do?

A: "The 21-year-old individual is eligible under his parents' group health insurance plan up to age 26,” Shock said. “So if the parents are covered under a group health insurance plan that person can be added to that group plan. That's an extension that's been in place in the state of Illinois for some time."

 

Q: Our final question comes from Kara who wants to know if dental will be included?

A: "There is pediatric dental insurance included in the act, so that coverage is for these under age 19 individuals, for some dental coverage included in the health insurance plans,” Shock said. “Other than that, on most of the private exchanges, and I believe in the public exchange, there will be options to purchase dental insurance, but it will be separate from and not supported by any kind of subsidy."

 

As a reminder, if you want to have coverage starting January 1, 2014, you must be enrolled by December 15. However, you do have until the end of March 2014 to sign up and avoid a penalty.

If you do plan on signing up soon, be on the lookout for scammers. Do not give out your personal information on the phone and do not use a website that ends in “.com”, only use those with “.gov” such as www.getcoveredillinois.gov.

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