Open enrollment for insurance
The open enrollment period is the annual period in which you can go to the health insurance marketplace and sign up for an insurance plan. This period is open November 1st, 2024 through January 15th, 2025.
Need support applying for health insurance on the Open Marketplace?
Sign up for a free 1:1 phone or Zoom call with our Eating Disorder Insurance Specialist, Alexa Grayson.
Insurance Navigation 101
Eating Disorder Insurance Navigation 101
Insurance is confusing. Project HEAL’s Insurance Navigation Program helps individuals understand their often-confusing insurance benefits and patient rights, as well as advocate for treatment coverage.
Video Transcript:
Hi, I'm Alexa Grayson. I’m the Insurance Navigation Program Manager at Project HEAL. Our insurance navigation program was designed to help break down healthcare barriers to eating disorder treatment.
There's a fundamental lack of knowledge of insurance and how that's used in eating disorder treatment, and that lack of knowledge is mostly from the insurance companies.
In our Insurance Navigation Program, we work on a 1 to 1 case management basis to work on navigating these barriers. This might include helping you switch insurance plans, enroll in a new insurance plan or for the first time, open enrollment through the ACA marketplace.
We help navigate unfair denials and premature discharges and appeals and work with your treatment team if necessary. We also help with single case agreements and overall, just education about your benefits and how to find them.
Our Insurance Navigation page includes self-led learning guides that you can go through to learn about everything related to eating disorders and the insurance landscape. We also have self-led guides included in Mandarin and Spanish.
For 1 to 1 case management and support, you can request this through our treatment placement application on our website or reach out directly to insurance@theprojectheal.org
Summary of Benefits and Coverage
ACA Insurance Open Enrollment Summary of Benefits and Coverage
The Summary of Benefits and Coverage is essentially a snapshot of a health plan's covered benefits and the cost that you may pay for those services. Find out more and get support here.
Video Transcript:
Hi, I'm Alexa Grayson, and I'm the Insurance Navigation Program Manager here at Project HEAL. I'm here to talk about the Summary of Benefits and Coverage within an insurance plan, also referred to as the SBC or SOB. We're going to talk about what it is, where to find it within an insurance plan, and how to use it, and why it's important.
The Summary of Benefits and Coverage is essentially a snapshot of a health plan's covered benefits and the cost that you may pay for those services. It is a patient's right to be given your SBC in easy-to-understand language when requested. You can find the SBC when you're enrolling in an insurance plan through the marketplace or an employer by a link or a downloadable PDF to compare when choosing between plans. If you already have insurance, you can ask a copy, ask for a copy from your insurance company or employer at any time. If you have an insurance portal, you can also find your SBC there.
Let's take a look at an example of a Summary of Benefits and Coverage and what that might look like. This is a sample graph that's taken off of the ACA Marketplace to give you an idea of the breakdown of the chart and what you might see when you're comparing plans. The SBC is also really helpful, especially on the marketplace, when you want to compare to other plans. And it's overwhelming because there are so many.
How to apply for healthcare
How to Apply for Healthcare in the Open Enrollment Marketplace
We work with folks who may not know what steps to take next, how to further explore their insurance or feeling that all of their options are exhausted when it comes to accessing eating disorder treatment in their current insurance plan.
Watch this webinar is if...
you are overwhelmed or confused by health insurance as a whole
you need support applying for insurance through the Marketplace application
you want training on how to navigate the portal from an expert
For questions, click here or reach out directly to insurance@theprojectheal.org