FAQs

Health Choices Program FAQ

What is the My NASW Health Choices Program

NASW Assurance Services is now offering a one-stop health insurance shopping service to connect you, your family members and your clients with licensed health benefits consultants who can help you navigate the complicated and time-consuming process of finding and enrolling in a medical insurance, dental or vision plan just right for you.

We’ve partnered with Augeo Benefits, formerly Benefit Protect, to bring NASW members timely and knowledgeable assistance in navigating both public and private health insurance options, including options newly available through the federal and state exchanges under the Affordable Care Act (ACA). When you call, you can also receive help to determine whether you are eligible for a government subsidy towards your health insurance premiums. And typically, you can enroll right over the phone.

Simply call (866) 206-8509 to speak with a licensed NASW Health Choices Program representative Monday- Friday, 9 am – 9 pm Eastern Time/ 6 am – 6 pm Pacific Standard Time.

Once enrolled, you will have individual coverage directly through the insurance carrier. You will not have group health insurance through NASW or NASW Assurance Services.

Following your enrollment, you will still have access to the Health Choices Program representatives who can assist you with questions, policy renewals, or plan changes

Can I use the My NASW Health Choices Program to help my clients?

Yes, the My NASW Health Choices Program one-stop shopping service is available to you, your family members and your clients.

Am I eligible for health insurance even if I have a pre-existing condition?

As of January 1, 2014, under ACA most individuals are required to have minimum essential health insurance, and with limited exceptions you cannot be denied coverage. For those who have been uninsured or denied coverage in the past, you will have more options. For those who don’t obtain coverage, there may be penalties. Government subsidies will be available on health insurance premiums for those individuals or families who meet the government income criteria.

Important Dates and Deadlines:

    Open Enrollment begins October 1, 2013
    Coverage begins under ACA guidelines January 1, 2014
    Open Enrollment ends March 31, 2014
    It is very important that you understand your options and responsibilities under ACA. For more information about the Affordable Care Act and how it impacts you, your family and clients, and what to do after the open enrollment ends March 31, please visit www.healthcare.gov.

NASW has developed a wealth of resources and information links that are also available to you that help answer this question in more depth at: http://www.socialworkers.org/advocacy/healthcarereform/default.asp.

Please also make sure to follow NASW and NASW Assurance Services on Facebook, Twitter and Linked In for periodic updates.

What is the government subsidy on health insurance, and who qualifies?

Some individuals and/or families meeting certain income criteria may qualify for a federal government subsidy or tax credit on health insurance purchased through the health insurance exchanges, also called the marketplace.

To see if you are eligible for a subsidy, contact the My NASW Health Choices Program at 866-206-8509. You will be asked to provide income information during the enrollment process, and a licensed health benefits counselor will help determine whether you are eligible, and if so, your subsidy or tax credit amount.

Learn more about health insurance subsidies, and calculate your eligibility, at the Henry Kaiser Family Foundation website at http://kff.org/interactive/subsidy-calculator/.

Where do I enroll?

Hundreds of call representatives will be on hand, ready to assist you in a knowledgeable and timely manner with health insurance, dental and vision insurance options.

Simply call 866-206-8509 to speak with a licensed My NASW Health Choices Program representative Monday- Friday, 9 am – 9 pm Eastern Time/ 6 am – 6 pm Pacific Standard Time.

Members who have used the My NASW Health Choices Program service in the past have rated their satisfaction with customer service and product knowledge very highly.

Learn more, and calculate whether you are eligible for a subsidy, at www.mynaswhealthchoices.org.

What carriers and plans are available through the My NASW Health Choices Program?

Through the My NASW Health Choices Program, you will have access to major A or A-rated national insurance carriers, including Humana, Aetna, United Healthcare, and Assurant and many others. The public and private major medical program options and carriers are changing frequently due to health reforms underway, and options will vary by state.

However, you should have access to the same options, and possibly more options, in the private market, at the same costs as those available to you through the federal and state insurance exchanges. My NASW Health Choices Program representatives can help you compare the options available both in and outside of the exchanges.

How does the My NASW Health Choices Program differ from the state and federal insurance marketplaces and exchanges?

NASW Assurance Services has partnered with Augeo Benefits to bring you this one-stop health insurance shopping service. You can receive timely and knowledgeable assistance in understanding not only the private health insurance plans offered through the exchanges created under the ACA, but also private health insurance plans available outside of the exchanges and government programs that might be available, such as Medicaid or Children’s Health Insurance. You can also find out if you’re eligible for a government subsidy towards your health insurance premiums, as well as cost-sharing subsidies. And typically, you can enroll right over the phone.

The My NASW Health Choices Program has more than a five-year track record of assisting NASW members with private options for major medical, dental and vision insurance, and is now able to assist NASW members across the country in finding and applying for health insurance options available through the federal and state exchanges that opened October 1, 2013.

Hundreds of licensed benefits consultants will be available to help you navigate the often complicated and time-consuming process of finding and enrolling in a medical insurance, dental or vision plan just right for you. You will not have to wait in line for someone to respond.

This program also comes with the additional support and advocacy of NASW Assurance Services, overseen by a Board of social workers like you, and whose staff are managing our program partnerships and can assist you.

Are there plans to expand NASW health and wellness offerings to NASW members?

NASW Assurance Services is developing a Health and Wellness Corner for NASW members, under which the My NASW Health Choices Program is available. In addition, ASI offers Life Line Health Screening services for NASW members and their families at a discounted rate, and is always looking to introduce new health and wellness products and services to benefit NASW members and their families.

Related insurance programs available to NASW members at http://www.naswmemberinsuranceprograms.org/ include Term Life, Long Term Disability, 50+ Term Life, Long Term Care, Accident Insurance, and Medicare Supplement, to name just a few.

Is this a discounted group health insurance plan for NASW members?

No, this is not a group health insurance plan, and there is no member discount. This is individual coverage between a major insurance carrier and you, the individual NASW member, and/or your family members. The coverage is not between you and NASW or NASW Assurance Services.

How much does a typical individual health insurance plan cost?

Costs will vary depending on your location, the level of benefits you select, and certain other factors. One of the benefits of this service is that it allows you to shop and compare rates for a variety of health insurance plans from a variety of carriers, and it gives you the ability to specify that your doctor be in your network, or for you to choose a higher or lower deductible depending on your needs.

The best thing to do is call 866-206-8509 to speak with a licensed representative through My NASW Health Choices Program who can give you a personalized quote (or quotes) based on your needs.

Why go through the My NASW Health Choices Program when I can apply directly myself to a carrier, or through the federal or state health insurance marketplaces?

We’ve designed the My NASW Health Choices Program to make it a one-stop shopping experience. You will have access to knowledgeable and experienced licensed insurance professionals who already have a track record of providing NASW members quality customer service with private insurance options. Additionally, the benefits consultants will be able to assist you with private health insurance options as well as the mandated ACA options as they are available through the federal and state exchanges. You can also receive help in determining your eligibility for a government health insurance subsidy.

In addition to the personalized consultation and convenient shopping service it provides, another important benefit of going through the My NASW Health Choices Program is the advocacy and support of NASW Assurance Services for NASW members and social workers in a variety of ways.

Unlike most public corporations uniquely interested in the bottom line, NASW Assurance Services is a wholly-owned subsidiary of NASW that exists to serve NASW members by offering and managing programs and services to meet their needs, and advocating on your behalf for quality service, product and pricing.

NASW Assurance Services reinvests funds it receives in connection with offering an insurance program or service, after program costs, in funding new initiatives and program enhancements to help NASW member policyholders.

NASW Assurance Services looks for ways to add value for you, for example, by enhancing NASW’s insurance programs with new benefits and increasing benefit levels while not passing those costs on to you in higher premiums. NASW Assurance Services also supports various other NASW programs that focus on supporting you, your community and our social work profession more broadly.