By Jan Demers,
CVOEO Executive Director
He works full time. She works part time. They both make minimum wage. They have a large family. He had some health insurance. She had none. Their combined income was such that their children were covered under Dr. Dynasaur, that is, until they let their 3Square benefits lapse. He was the only one with health insurance after that. That is when the work of a Vermont Health Connect Navigator began.
“I can’t believe how complicated humans are,” said Rebecca Moyer, a CVOEO Navigator for Vermont Health Connect. Moyer is available to answer questions and to help complete applications for health insurance through the Vermont Health Care Exchange. She said the intensive systems improvements to the state exchange have made applying for coverage easier and less frustrating. At one point she actually described the system as elegant.
Moyer has helped Vermonters who have never been insured obtain a plan through Vermont Health Connect. Navigators continue to be an important resource for Vermonters wanting free, local, in-person support with questions and the application process.
Open enrollment for health insurance coverage began Nov. 1 for Vermonters who want to apply for the first time or renew coverage in 2016.
Timing is critical. The deadline to enroll for Jan. 1 coverage is Dec. 15, but CVOEO Lead Navigator Tatum O’Malley is encouraging Vermonters to contact their local Navigator as soon as possible to schedule appointments. Anyone not enrolled in a 2016 health insurance plan by Jan. 31 won’t be able to access coverage through Vermont Health Connect in 2016 unless they lose coverage, have another qualifying life change or become eligible for a public plan like Medicaid or Dr. Dynasaur.
Crisis in the form of a lost job, health issues or a life altering change doesn’t wait for dates or open enrollment periods. Moyer is working with those in need of blood work, an MRI and other necessary medical procedures. They are waiting for that Nov. 1 date.
Most Vermonters who apply for coverage through Vermont Health Connect are eligible for credits and discounts that lower the cost of premiums and out-of-pocket expenses. A Navigator can explain what the potential savings are and the tax implications of the federal premium tax credit. Due to an increasing tax penalty for going uninsured, and the availability of cost reductions, many Vermonters will pay less this year for basic coverage than they will for going without.
Sandrine Kibuey, Assistant Director of CVOEO’s Chittenden Community Action and a VT Health Connect Navigator, can attest to how complicated life circumstances can be. She also knows that isn’t the end of the story.
CVOEO offers health insurance navigation assistance at our offices in St. Albans, Burlington and Middlebury.
For more information contact CVOEO Executive Director Jan Demers at (802) 862-2771 ext. 740. Or email firstname.lastname@example.org.