Health Insurance Deadline and Penalties

November 30, 2015

Free Insurance Eligibility Consultations

Crossroads Hospital is offering a free service to anyone who is signing up for health insurance for next year. With the changes in healthcare and increased penalties, now is the time to sign up through the Health Insurance Marketplace.

December 15 is the deadline to ensure health insurance coverage starts on January 1. The penalty for not having insurance has increased this year. If a person can afford health insurance coverage in 2016, but doesn’t sign up, there will be a penalty of up to $2,085 per family ($695 per adult and $347.50 per child) or 2.5% of family income, whichever is higher.

Anyone who has questions about the Health Insurance Marketplace is invited to Crossroads Hospital, 8 Doctors Park Road in Mt. Vernon, from 9:00AM to 6:00 PM on December 2 through December 5. Eligibility representatives will be available those days, including Saturday, to answer questions or set appointments.

“This is our third year with the Health Insurance Marketplace. We understand and can explain the process and programs available to everyone. We are here to answer questions and find the best options for them,” says Stephanie Wilburn, Eligibility Representative at Crossroads Community Hospital.

A person cannot be denied coverage because of a pre-existing health condition. Some of the health benefits on every plan on the Health Insurance Marketplace include:

  1. free preventive care and wellness services
  2. doctor visits
  3. prescription drugs
  4. hospital and emergency department care
  5. lab services
  6. chronic disease management
  7. pediatric services

“If you signed up for insurance through the marketplace in the past you will be automatically re- enrolled with the same plan. We can look to make sure you are getting the best plan for your individual needs. The changes from year to year can be frustrating and confusing, and it can affect any income level and any age,” says Wilburn.

Crossroads Community Hospital is offering this free consultation to help individuals and families in our community. The average cost of a three-day hospital stay is $30,000. Having health insurance helps protect families from unexpected costs like these.

Eligibility representatives are available throughout the year at Crossroads Hospital to answer questions. Open enrollment for the Health Insurance Marketplace is from November 1, 2015, to January 31, 2016. For more information, please call 618.241.8584 to speak with an eligibility representative or to make an appointment.