Exploring Plan Options
The healthcare landscape in America is ever-changing and often confusing. It’s hard to know exactly what health insurance covers, eligibility requirements, how to access government subsidies and even when to pay penalties.
Exploring Plan Options
Church Health is here to help you and your family navigate the healthcare options that are available to you and even help you enroll in the plan that best fits your needs, including:
- The MEMPHIS Plan
- ACA Marketplace (Obamacare) plans
- TennCare/ Medicaid
- Medicare
Affordable Care Act Marketplace Plans
About the Affordable Care Act
The Affordable Care Act, commonly referred to as Obamacare, is a federal law. It is designed to provide more Americans with affordable health insurance. It requires most Americans to have insurance coverage and puts an end to denying insurance based on pre-existing conditions.
How it Works
The ACA extends health insurance coverage to millions of Americans through existing programs and the private insurance market. It expands eligibility for Medicaid, makes private insurance more affordable by helping to pay part of the insurance premium, and allows children to stay on their parents’ private insurance plans until age 26.
Enrollment Assistance
Most people who get coverage through the Marketplace will find a plan for less than $75 a month. Church Health can help you determine if an ACA plan is best for you or your family, and we can even help you enroll!
For more information or to schedule your free, in-person enrollment assistance appointment, call 901-272-7526.
TennCare / Medicaid
TennCare is the state of Tennessee’s Medicaid program, which provides healthcare for approximately 1.3 million low-income Tennesseans.
Eligibility
If any of these describe you, you might be eligible for TennCare:
- Low-income children under the age of 18
- Low-income adults with minor children
- Low-income pregnant women
- Low-income breast or cervical cancer patients
- Supplemental security income recipients
- Low-income Medicare recipients
Enrollment Assistance
Medicare
Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities and people with End-Stage Renal Disease.
Enrollment Assistance
If you are 65 or older, you are automatically enrolled into Medicare through the Social Security Administration. However, if you are in need of information about supplemental plans or if you need assistance enrolling in these plans, Church Health can help you.
The MEMPHIS Plan
About the Affordable Care Act
The MEMPHIS Plan is an affordable healthcare plan provided by Church Health for uninsured working people. It’s tailored to small businesses, the self-employed and individuals who fall within the gap of America’s current healthcare system because they earn too much to qualify for state or federal programs. It is not health insurance.
How it Works
If you qualify, the MEMPHIS Plan office will assign you and your dependents, if applicable, to one primary care physician who will charge you a $5 co-pay at each visit. This is in addition to your personal $50/month monthly charge; if you are enrolled through your employer, they will contribute at least $10/month. In addition, you will be assigned to a specific hospital in the case of emergency where you will pay a $5 co-pay per visit. Should you need care from a specialist, your primary care physician will make an appropriate referral, ensuring that the specialist’s services are covered under the MEMPHIS Plan.
Eligibility
To participate in the MEMPHIS Plan, employees and individually-enrolled participants must:
- Work at least 20 hours a week
- Be uninsured (no private or government insurance coverage)
- Work in the state of Tennessee
- Make no more than 200 percent of the federal poverty level based on family size and income as shown on their federal tax return
- Supplemental security income recipients
- Low-income Medicare recipients
To participate in the MEMPHIS Plan, self-employed participants must:
- Be uninsured (no private or government insurance coverage)
- Live in Tennessee
- Make no more than 200 percent of the federal poverty level based on family size and income as shown on their federal tax return
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