Healthcare Reference

Healthcare Websites and Databases:

Username and Password available to all library card holders. Please call the library at (603) 635-7581 with your card number or stop by the main desk.

Consumer Health Complete

A comprehensive resource for consumer-oriented health content. It is designed to support the information needs of patients, and to foster an overall understanding of health-related topics. CHC provides content covering all areas of health and wellness.

Health Source -Consumer Edition

This database is the richest collection of consumer health information available to libraries worldwide, providing information on many health topics including the medical sciences, food sciences and nutrition, childcare, sports medicine and general health.

MedlinePlus From National Library of Medicine

National Center for Complementary and Alternative Health

PubMed Health– PubMed Health provides information for consumers and clinicians on prevention and treatment of diseases and conditions. PubMed Health specializes in reviews of clinical effectiveness research, with easy-to-read summaries for consumers as well as full technical reports. Clinical effectiveness research finds answers to the question “What works?” in medical and health care.


Health Magazine Articles online:

Consumer Reports on Health • Health • Natural Health • Prevention • Shape


Affordable Healthcare Act Quick Facts:

Learn about the Health Insurance Marketplace & your new coverage options. Get Answers Now

What is the Health Insurance Marketplace?

The health insurance marketplace, previously known as health insurance exchange, is a set of government-regulated and standardized health care plans in the United States, from which individuals may purchase health insurance eligible for federal subsidies.

The Marketplace has one application, allowing users to see all their options and enroll. The Marketplace will also tell you if you qualify for free or low-cost coverage available through Medicaid or the Children’s Health Insurance Program (CHIP).

Where can I read the Affordable Care Act?

You can read the Affordable Care Act by visiting this link. The health care law, sometimes known as “Obamacare,” was signed March 23, 2010.

What if I already have insurance through my employer?

If you already have insurance, you are considered covered and are not required to select a marketplace plan. You can, however, fill out the form to see your options and if you can get better coverage/premiums.

Where can I access the Healthcare Marketplace?

New Hampshire is not using a state marketplace, therefore residents will use HealthCare.gov to find marketplace coverage. www.healthcare.gov is the central location where you can:

  • Determine your eligibility for health plans
  • Discover which tax credits that a person/family may be eligible for
  • Find information on Medicaid and Reduced cost sharing

At HealthCare.Gov, people will be able to:

  • Create an account (this can be done now)
  • Apply (beginning 10/1)
  • Pick a plan (beginning 10/1)
  • Enroll (beginning 10/1)

Do I have to fill out the form online?

Applications can be completed online or by paper form. The online application is dynamic, meaning that it changes depending on the things that people input into the form. The paper form is streamlined, but it may not indicate that a person is actually eligible for Medicaid at the same speed the online form will.

The library has computers where you can complete the application. We are also able to provide you with information relating to the ACA, but are not able to assist you in filling out the form itself. The estimated time to complete the application process is around 45 minutes.

Where can I go to get help with filling out the form?

Each state has two organizations that have been chosen as Navigators. For New Hampshire, the organizations are Planned Parenthood of Northern New England (assisting in Southern New Hampshire) and Bi-State Primary Care Association (assisting in Northern New Hampshire). There are PPNNE locations in Claremont, Derry, Exeter, Keene, Manchester, and Lebanon. There are representatives available who have undergone specific (30+ hours) of training to become certified to help people actually fill out the forms. Other organizations like AARP or Service Link may offer assistance in filling out forms, but they do not have the official federal approval to serve as unbiased navigators. There is also a toll-free number that can be called to access help directly with filling out the forms. 1-800-318-2596 is the number, and TTY is 1-855-889-4325.

When do benefits begin?

This depends on your plan. You would need to ask a Navigator or your health care provider if you already have one. Coverage can begin as early as January 1, 2014, but the specifics of this depend on the plan you enroll in.

What if I don’t have insurance by the end of the open enrollment period?

The fee in 2014 is 1% of your yearly income or $95 per person for the year, whichever is higher. The fee increases every year. In 2016 it is 2.5% of income or $695 per person, whichever is higher. In 2014 the fee for uninsured children is $47.50 per child. The most a family would have to pay in 2014 is $285. It’s important to remember that someone who pays the fee won’t get any health insurance coverage. They still will be responsible for 100% of the cost of their medical care. For more information on instances when fees would not be applied, please visit www.healthcare.gov.

What is included in my health benefits?

That depends on the plan you choose. Plans are sold and run by private companies, each required to provide a certain standard coverage. Each company will provide at least one silver level and one gold level plan with cost sharing-options (a percentage of the bill is paid by the insurance and the other percentage by the enrollee).

  • Bronze: 60% paid by insurance, 40% paid by enrollee in addition to monthly premium.
  • Silver: 70% paid by insurance, 30% paid by enrollee in addition to monthly premium.
  • Gold: 80% paid by insurance, 20% paid by enrollee in addition to monthly premium.
  • Platinum 90% paid by insurance, 10% paid by enrollee in addition to monthly premium.

Does this include dental and vision?

Dental and vision plans may be included in the plan you choose, or may be purchased as a separate plan. If you choose a separate dental plan, you’ll pay a separate, additional premium for the dental plan. However, stand-alone vision plans may not be offered through some state’s marketplaces. Please contact a Navigator for additional information concerning your options with Dental or Vision.

Useful websites

www.HealthCare.gov – This consumer site is the hub of all health care activities regarding the new insurance marketplace. Managed by the US Centers for Medicare and Medicaid. The Health Insurance Marketplace is located within this site.
https://www.healthcare.gov/health-insurance-marketplace – This portion of the Health Care website answers frequently asked questions concerning purchasing health insurance. Questions answered on this site include:

  • What’s the difference between Marketplace health plans and other private plans?
  • What if I have a pre-existing health condition?
  • What does Marketplace health insurance cover?
  • What do I do if my employer offers health insurance through the SHOP Marketplace?

https://www.healthcare.gov/marketplace/individual – Beginning October 1, 2013, you can visit this site to fill out an application and see your plan choices available for you. Families can also apply here.

http://www.hhs.gov/healthcare/facts/timeline/index.html – Learn more about the specific features of the new Health Care Law. Published by the Health and Human Services department. Also includes a feature that explains the changes coming in health care in the next few years.

http://www.hhs.gov/healthcare/facts/bystate/nh.html – Health Care stats, budgets, and other information specific to the state of New Hampshire. This site breaks down the various initiatives that will be available within New Hampshire for residents and families.

http://kff.org/health-reform/ – Kaiser is a non-profit, private operating foundation focusing on the major health care issues facing the U.S., as well as the U.S. role in global health policy. They have great information and national stats on what is happening with health care reform today.

Forms

Individual short form: http://www.cms.gov/CCIIO/Resources/Forms-Reports-and-Other-Resources/Downloads/AttachmentB_042913.pdf. See also the copy available within the library’s Healthcare Act binder or ask a librarian to make you a copy.

Family form:  http://www.cms.gov/CCIIO/Resources/Forms-Reports-and-Other-Resources/Downloads/AttachmentC_042913.pdf. See also the copy available within the library’s Healthcare Act binder or ask a librarian to make you a copy.

Individual without Financial Assistance form: http://www.cms.gov/CCIIO/Resources/Forms-Reports-and-Other-Resources/Downloads/AttachmentD_042913.pdf.  See also the copy available within the library’s Healthcare Act binder or ask a librarian to make you a copy.

If at any time you have any questions regarding the information available about the new Health Insurance Marketplace or Affordable Care Act, please consult a Librarian by calling (603) 635-7581 or email services@pelhamweb.com.

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