Where to Start, What to Ask: A Guide for LGBT People Choosing Health Care Plans

What Is This Guide and How Can It Help Me?

We've created this guide to help you evaluate your healthcare needs, navigate your new insurance options, and choose the best plan for you and your family.

At Strong Families we support the Affordable Care Act (ACA)—because we know the new healthcare law is a critical step to ensuring that all of our families have the healthcare they need. For too long, LGBT individuals and their families have been unable to find coverage that treats our families fairly, covers the care that we need, and doesn't break the bank. Access to affordable health insurance can help address the health disparities that exist because of sexual orientation or gender identity, can provide critical preventative care widely, and can ensure that all individuals and families can get the care they need without going bankrupt.

Key Dates and Facts About the New Healthcare Plans

Key Dates and Facts About the New Healthcare Plans

Starting in January 2014, almost everyone in the United States will need to have health insurance coverage for themselves and their families. If you don't have coverage right now or want to get new coverage, you can shop online, over the phone, or in person in your state’s health insurance marketplace (sometimes called an "exchange") for a plan that fits your needs. The national and state marketplaces opened for enrollment on October 1, 2013, and coverage through the marketplaces starts on January 1, 2014. Read More »

Where Can I Get Help?

Key Dates and Facts About the New Healthcare Plans

There are many people who can answer your questions about enrollment, including trained agents called "Navigators", certified application counselors, and insurance agents and brokers. The federally run Marketplace has Navigators available 24/7, by phone or chat. For states with a state-based Marketplace, Navigators can help you learn more about the plans in your state. In addition, the healthcare reform law allows organizations to apply to become Navigators—including community health centers, AIDS service organizations, local hospitals, and LGBT community groups in your state. Read More »

How to Use This Guide

Key Dates and Facts About the New Healthcare Plans

This guide provides a broad overview of questions to ask a Navigator, certified assistance counselor, or insurance agent/broker. The questions will help you understand what is covered under a specific healthcare plan, and what it will cost. Questions address LGBT-specific healthcare needs, as well as more general healthcare questions. We recommend that everyone ask the questions in the sections Cost and Coverage, Reproductive Healthcare, and Mental Health. Ask questions from the other sections if you need or someone you are trying to cover might need these health services. Read More »