The following Q&A is specific to the COVID-19 pandemic.
Entertainment Health Insurance Solutions (EHIS), a joint program of The Actors Fund and MPTF, offers California residents in our entertainment and performing arts community personalized counseling and enrollment support to ensure you understand and purchase the best plan to fit your individual and family needs.
Q: I’ve lost, or am losing my insurance in the next few days or weeks. What are some of the things I should be looking at or considering now?
A: The first thing to understand when you lose your insurance is that it starts a clock. From the date your coverage ends, likely at the end of a month, you will have 60 days to make a decision. There are three options: choose Cobra benefits, obtain your own individual plan directly through an insurance company, or choose Covered CA if you qualify for assistance. We can help you navigate these options!
Q: How much an individual ultimately pays for insurance has a lot to do with the income you earn. Since Unemployment and monies from the Stimulus Package may provide income, can you tell me how I can manage this factor in relationship to insurance?
A: Income projections are important and Unemployment is income that would need to be considered when determining what a person qualifies for. Levels of assistance are based on what you are projecting your total income in 2020 to be, not your income for 2019. As it pertains to the Affordable Care Act, people fall into one of three levels based on a percentage of the Federal Poverty Level (FPL): they will either qualify for Medi-Cal (below 138%), qualify for some assistance (138%-400%) or need to pay full price for a private plan.
To talk with an insurance specialist, call
1 833 777 3447 (EHIS), and visit ehisca.com
Q: I know that some retirement funds, like MPI, are giving people the option to draw down their pension without a penalty. But could this impact my insurance options negatively?
A: If you decide to take funds from a pension or 401k, it will be considered income when you file your 2020 taxes and therefore potentially lower the amount of premium assistance you are eligible for when applying for insurance through Covered CA
Q: What if I don’t have money to pay my next insurance payment? Or the one after that? What should I do?
A: Most carriers have indicated they will not cancel policies over the next 60 days for nonpayment, but they also qualify that those back premiums will need to be caught up later. No one should make assumptions based on this info. If you are having problems paying premiums, call us. We can help you understand if changing plans is an option.
Q: I have a specific doctor that is very important to me. I’m afraid that switching insurance right now might make it so I can no longer see this person. Are there ways to navigate this concern?
A: This is a very common concern. And no one provider has relationships with every doctor in an individual market. We do our best to help you keep your desired doctor or network, and if that is not an affordable option, we can assist you in finding a plan and doctor that will work for you during this brief time.
Q: What can MPTF do to help me, and people like me, with their health insurance?
A: MPTF and the Actors Fund created Entertainment Health Insurance Solutions, a department of three licensed agents are here to help you find health insurance options that work best for you and your family. We are also here to assist if you have issues with benefits in your existing plans. Entertainment Health Insurance Solutions (EHIS), a joint program of The Actors Fund and MPTF, offers California residents in our entertainment and performing arts community personalized counseling and enrollment support to ensure you understand and purchase the best plan to fit your individual and family needs. The following Q&A is specific to the COVID-19 pandemic.