Not that a lot of North Dakotans read my blog, but this stuff is bound to be googled a lot in the near future (signups for the insurance exchange and medicaid expansion start on October 1st), and I found it very hard to find anything, so once I finally stumbled on useful information, I figured it would be good to put it all into one place.
First of all, the basics: open enrollment starts October 1st, coverage kicks in January 1st, and open enrollment ends on March 31st. Everyone who lives in ND and is either a U.S. citizen or a resident alien is eligible for the exchange.
There’s the main site for health care stuff, https://www.healthcare.gov/. Clicking on the “See your options” button will get you the standard insurance-questionnaire and lead you to possible options of what you may or may not be eligible for, and also a short FAQ with some other issues relating to changes as a consequence of the ACA (Also known as Obamacare).
If you’re looking at Medicaid, ignore the part where it says you should go to ND’s medicaid website for more info. They’ve not updated anything to reflect the coming changes yet. This will probably be the most useful bit of advice:
Starting October 1, 2013, fill out an application for the Health Insurance Marketplace. When you finish this application, we’ll tell you which programs you and your family qualify for. If it looks like anyone is eligible for Medicaid, we’ll let the Medicaid agency know so your coverage can start in 2014.
North Dakota will expand its Medicaid program in 2014 to cover households with incomes up to 133% of the federal poverty level. That works out to about $15,800 a year for 1 person or $32,500 for a family of 4.
If you’re looking at reduced premiums for coverage from the exchange, there’s a calculator that can give estimates, but nothing will be “official” until October 1st and the calculator is for national averages not for ND specifically, so the quotes may be somewhat inaccurate. The calculator is at http://kff.org/interactive/subsidy-calculator/
The actual application forms etc. won’t be available until October 1st. As far as I can tell, it’ll be possible to apply online at https://www.healthcare.gov/marketplace/individual/#state=north-dakota; via mail (downloadable forms will be available Oct. 1st); and in person with the help of certain “navigators” (see below).
There will also be information sessions throughout October on the ACA: http://www.itstartswithbluend.com/sessions.php and there’s a toll free info line at 1-800-318-2596. Aside from that, four locations are meant to serve as “navigators”, meaning they are supposed to supply people with information to help with submitting applications, clarifying issues regarding the different plans etc., and also help people with applying and otherwise navigating through the application process. The information I found lists the following as the “navigators” for ND, but the sites of these places don’t say anything on the topic, so it may not be accurate:
Family HealthCare Center, Fargo – http://www.famhealthcare.org/index.html
Coal County Community Health Center, Beulah – http://www.coalcountryhealth.com/
Northland Community Health Center, Turtle Lake – http://www.northlandchc.org/
Valley health Community Center, Northwood – http://mabu-vchc.taopowered.net/