Insurance

Insurance:

Unforeseen health problems can result in extensive medical bills. Health insurance coverage will minimize the chance of jeopardizing your college education due to a financially devastating illness or disease. The student health center recommends the purchase of major medical insurance. See the link below for referrals to insurance providers. When shopping for insurance compare expenses in the following four categories:

  1. Premium Payments:   the direct out of pocket cost to you for insurance. May be due monthly, quarterly, annually, etc.
  2. Deductible:   the annual out of pocket expense the insured must pay before their insurance begins to pay for medical expenses.
  3. Co-Pay:   the amount the insured must pay at the time of an office visit with a medical provider, before being seen.
  4. Coverage or Contracted Rate:   The percentage of your medical expenses covered by the insurance company, after you have met your deductible

Everyone must have health insurance!

Does everyone really need to get health insurance?
Yes. A new health care law, called the Affordable Care Act (aka Obama Care) says that health insurance will be required starting January 1, 2014. That means everyone must get or have health insurance. This law was passed to help more people get affordable health care.

How can I get health insurance?
There are 4 ways to get insurance.
You can:

  • Sign up for a government program, like Medicare, Medi-Cal, or Healthy Families. These programs changed their requirements making it easier for many more people to qualify.
  • Get health insurance through your job or your spouse’s or partner’s job. If you already have insurance through work, you won’t have to do anything else. It’s also easier to keep your dependents on your employer’s coverage.
  • Buy insurance from a private insurance company on your own.
  • Buy insurance through the Exchange.

What is the Exchange?
The Exchange (short for the Health Benefit Exchange) helps you find private and public insurance options you can afford. The Exchange has a list of health plans in California that offer basic, needed health benefits as part of federal health care reform.

Starting October 1, 2013, you can use the Exchange to:

  • Compare health plans to pick the best one for you and your family
  • Find out if you qualify for tax credits that help lower the cost of your health insurance
  • Find out if you qualify for government programs, like Medi-Cal and Healthy Families

What if I do not have health insurance by 2014?
The IRS will send you a reminder about the new law. You may have to pay a fine. If you do not get health insurance, the amount of the fine will go up every year.

Are there any exceptions to this law?
Yes. Some people will not be fined if they do not get insurance. You may not have to pay a fine if:

  • You cannot find insurance that costs less than 8% of your household income,
  • You are a Native American, religious objector, or in prison, or
  • Your income is low but you do not qualify for any government program.

For more information…
Visit
www.CoveredCA.comor call (888) 975-1142                         .

 

 For injuries that have occurred on campus :

 Moorpark College Accident Insurance Policy

Secondary policy to cover currently enrolled students for accidental injuries that occur in class or during college sponsored events. Accidents need to be reported to the Student Health Center within 72 hours. The student is responsible for initiating all paperwork and billing their primary insurance company first. There is a deductible for all claims. For complete information on this policy you can inquire at the Student Health Center.