Out2Enroll: Insurance for LGBT families in the US


In the past, many lesbian, gay, bisexual, and transgender families and individuals have missed out on affordable health care in the US. But now, for the first time, there are new affordable options for health insurance for LGBT families and individuals. These options will help protect against discrimination based on sexual orientation and gender identity. These changes even enable coverage if you have a pre-existing medical condition, and Out2Enroll is here to help the LGBT community take advantage of these changes, and optimize access to health care.

Out2Enroll is a collaborative effort from the Sellers Dorsey Foundation, the Center for American Progress, and the Federal Agencies Project to educate the LGBT community about their options under the Affordable Care Act. Out2Enroll worked with the administration to make sure the Obamacare law is completely LGBT inclusive.

Check out a video released in December to aid enrollment.

As Out2Enroll explains, LGBT people will have the same access to health insurance coverage through the Health Insurance Marketplaces as anyone else.

Admittedly, “family” may still be defined in various ways under Obamacare and this means that different states may have different rules about family coverage but members of the LGBT community can look for plans that cover them and their spouse/partner together by looking at the detailed plan documents available on your Marketplace website (these are often called a “Certificate of Coverage” or an “Evidence of Coverage”). If the plan won’t cover you and your spouse or partner together, you may also be able to enroll as individuals.

Out2Enroll shares four steps to help you take advantage of these changes for you and your family:
1. Get prepared
Get prepared to take advantage of these changes by learning more about your options. Learning a little more about premiums, copayments and the different types of insurance will help you.

2. Fill out the application
Fill out the application once you’ve worked out which option is right for you. Do this online, over the phone or in person. Out2Enroll has created a guide to help with this. You can also go to healthcare.gov for help or call the National Help Center: 1-800-318-2596.

3. Compare your options to get the best deal for you and your family
Compare your options through the Marketplace. Doing this will help you work out the type of plan you’re eligible for. Look for where you can reduce costs and think about the tax credits that are relevant for you.

4. Enroll
Once you’ve gone through these four steps you are ready to enroll. Once you’ve chosen your plan you can enroll online and work out how you might pay your fees to your insurance company. A representative will contact you if you’re eligible for Medicaid or the Children’s Health Insurance Program (CHIP).

Out2Enroll helps you complete the steps until March 31, 2014, when your chance to enroll ends. Don’t miss out on health insurance. Find out more and get started.

In the video below, Jason Collins talks about Out2Enroll and how to get covered.

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