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Q  What options do I have if I’m uninsured?
A Thankfully, under the Affordable Care Act most people have access to some type of coverage. Should you find yourself uninsured and wondering how you’ll pay for care, there are a few questions you should ask yourself before making any decisions.

Do I qualify for Medicaid or insurance premium assistance under the ACA? 
If you are below 138% of the Federal Poverty Level (FPL) you may qualify for Medicaid coverage. If you do not qualify for Medicaid it is important to consider purchasing coverage. A serious illness and hospitalization can be very costly. If you are making between 138% and 400% of the FPL, you may qualify for subsidies to help reduce the cost of health care premiums. If you are uninsured and have already received care, you should contact the hospital regarding its financial assistance plan.

Do I have the ability to pay for healthcare out-of-pocket?
If you have the ability to pay out-of-pocket for your healthcare expenses, providers will sometimes offer what is called a “prompt payment discount” meaning if you pay your balance quickly and in full, providers will offer a discounted rate for the services you received. Many hospitals also offer financial assistance plans based on level of income.

What if I don’t qualify for Medicaid and can’t pay for healthcare on my own?
If you are below 100% of the FPL, you may qualify for free care through a program known in Ohio as the Hospital Care Assurance Program, or HCAP. If you are above that income threshold, you should contact the hospital regarding its financial assistance plan.


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