Health Care Exchange

Health Care Exchange

The deadline for open enrollment has passed: March 31, 2014

You may have missed the enrollment cut-off date but you may still be eligible for coverage. The CVCH in-person assistors are available by appointment to determine your (your family's) eligibility for health care coverage. Call 509-662-6000 to learn more. 

The deadline for open enrollment into the Washington State healthcare exchange known as the Washington HealthPlanFinder has passed.


I'm ready to enroll with no assistance.

Click here to access the Washington Healthplanfinder.  Be sure to reference the What You'll Need section below to make sure you have all the needed documentaion for the process.

Click here to access the new WA HealthPlanFinder Toolkit.


What You'll Need

Anyone enrolling into the Health Care Exchange will need to bring documentation that verifies:
• Social Security Card(s) - for all enrolling
• Dates of Birth for everyone included on 2012 or 2013 taxes
• 2012 or 2013 Tax return
• Household Income verification for the last 30 days - acceptable forms include pay stubs or SSI and Unemployment check stubs
• Identification Documentation: ID Card, Green Card, US Passport or Naturalization Certificate (as applicable)


Persons in household Federal Poverty Level: 138% Federal Poverty Level: 400%
1 $15,856 $45,960
2 $21,403 $62,040
3 $26,951 $78,120
4 $32,499 $94,200
5 $38,046 $110,280
6 $43,594 $126,360
 


Frequently Asked Questions

What do I need to know?
Why do I need health insurance?
Who is eligible for free or reduced coverage
How does the Affordable Care Act affect me?
How do I apply?
How much will I pay?
What if I have a pre-existing condition?
What will my insurance cover?
Additional Information

 


What do I need to know?

As a part of the Affordable Care Act in 2014 all U.S. citizens will be required to have health insurance (some exceptions may apply). Many who apply will be eligible for coverage at little or no cost and determination will be based on household income and household size. Columbia Valley Community Health (CVCH) is here to guide you through this process: learn more about how these changes will affect you by exploring this page and the resources below.

Back to Top

 

Why do I need health insurance?

Health insurance provides affordable access to care which can keep you and your family healthy. Additionally, healthcare insurance helps cover unexpected costs associated with sudden illness or accidents. Starting in 2014, individuals who do not have health insurance will have to pay a fine of $95 per adult and $47.50 per child. This fine will increase to $325 for adults and 162.50 for children in 2015 and $695 for adults and 347.50 for children in 2016. Families can be fined up to $2,085 or 2.5 percent of household income, whichever is greater, by 2016 if they do not enroll in coverage.

Back to Top

 

Who is eligible for free or reduced coverage? 

Eligibility will depend on household size and income. People with a household income at 138 percent of the Federal Poverty Level or below will be eligible for free coverage. Those between 138 and 400 percent of the Federal Poverty Level will be eligible for tax subsidies to cover a part of their premiums. Those above 400 percent of the Federal Poverty Level can still purchase insurance through the exchange but will not receive tax subsidies. **Refer to the table above.

Additional eligibility requirements include:
*Resident of WA State
*Must be legally present in the US (with a green card) to receive subsidies, and must have resided in the US with a green card for 5 years to be eligible for Medicaid.

Back to Top

 

How does the Affordable Care Act affect me if I'm:

  • Already on Medicaid? DSHS will continue to process Classic Medicaid applications which include: aged, blind disabled, SSI recipients,  long term care and waivered services. All other Medicaid applications will go through the Washington Healthplanfinder.
  • Insured by my employer? Most individuals will be able to stay on their company's health insurance plan. There is no requirement that you use Washington Healthplanfinder to purchase health insurance.
  • Uninsured? All those who are currently uninsured will be eligible to receive coverage through the Washington Healthplanfinder. You may qualify for free or low cost health insurance.
  • Not Eligible? If you're deemed ineligible to participate in the Washington Healthplanfinder, CVCH will continue to offer a sliding fee scale.
  • A Small business owner? Those owning a small business (under 50 full time employees) will not be required to offer coverage to their employees at this time. However, small businesses may be eligible for a tax subsidy if they choose to offer coverage to their employees.

Back to Top

 

How do I apply?

There are a few ways to apply. You can complete an online application at www.wahealthplanfinder.org, you can call the Exchange Call Center  at 1-855-WAFINDER (1-855-923-4633) or TTY/TTD 1-855-627-9604 or you can visit CVCH for assistance. CVCH is here to guide our patients and fellow community members through the process. If you're an existing patient, call our Patient Services Department to set up an appointment at 509-662-6000. Community members and walk-ins will be assisted in the kiosk area, located inside the 600 Orondo Clinic and available on Fridays at the Chelan Clinic at 317 E. Johnson St. 

 Back to Top

 

How much will I pay?

Enter your household information into the calculator below to get an idea of what you may pay for health insurance coverage. *Note:  the results of the calculation are based on the Silver Level plan.

Back to Top

 

What if I have a pre-existing condition?

Insurance companies will no longer be able to refuse coverage on the basis of pre-existing conditions.

Back to Top

 

 

What will my insurance cover?  

Insurance must cover at least the 10 essential benefits. These ten benefits include ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services (including behavior health treatment), prescription drugs, rehabilitative and habilitative services and devices, laboratory services, preventative and wellness service, and pediatric services. 

Back to Top  

 

 


Additional Resources

Learn more at these great websites:

Washington Healthplanfinder
Washington Health Benefit Exchange
HealthCare.gov
Health Insurance Marketplace