TMA's Hey Doc Video Vault

TMA Answers to Questions You Never Thought To Ask About the New Health Insurance Marketplace

Physicians are Americans’ most trusted source for information on the Affordable Care Act (ACA), according to a recent national poll, but that's not where they're getting their news. The Texas Medical Association is about to change all of that.

TMA’s “Hey Doc” educational campaign provides objective and nonpartisan answers to your most frequently asked questions about the new ACA health insurance marketplace. We want to ensure all Texans understand what the marketplace does and what steps they need to take.

The ACA marketplace began accepting applications Oct. 1, 2013.

TMA will provide pertinent, objective, and timely content each week on this website, to Texas physicians, and to the news media. Every Wednesday, TMA will post a new video featuring Board of Trustee Chair Carlos Cardenas, MD, answering your questions about the ACA.

Send your questions to HeyDoc@texmed.org. 

 

   

Hey, Doc, When Can I Receive Subsidies to Help Pay for My Marketplace Insurance? Jan. 21, 2014. The physician, Carlos "Hey, Doc" Cardenas, MD, Chair of TMA's Board of Trustees, answers, " Subsidies, my friend, are kind of like the opposite of deductibles and co-pays. They're not how much you pay out, but how much you DON'T have to pay. They're a break on your insurance and health care costs... if you qualify." 

 

   

Hey, Doc, What are Deductibles, Co-insurance, and Copayments? Jan. 7, 2014. The physician, Carlos "Hey, Doc" Cardenas, MD, Chair of TMA's Board of Trustees, answers, " Deductibles, co-insurance, and co-payments are your share of the cost of your health care." 

     

   

Hey, Doc, What Will it Cost Me to Use This Insurance? Dec. 30, 2013. The physician, Carlos "Hey, Doc" Cardenas, MD, Chair of TMA's Board of Trustees, answers, "Get out your adding machine, because insurance isn't cheap. But it can save you a lot in the long run if you get really sick or hurt real bad."

 

   

Hey, Doc, Can I Keep My Doctor on the Marketplace? Dec. 17, 2013. The physician, Carlos "Hey, Doc" Cardenas, MD, Chair of TMA's Board of Trustees, answers,  "The answer is ... maybe. Really. Not all doctors and hospitals are participating in the marketplace ... or in every one of the plans on the marketplace. So keeping your doctor or your local hospital depends first of all on the insurance plan you choose." 

     

   

Hey, Doc, How Do I Pick a Doctor on the Marketplace? Dec. 4, 2013. The physician, Carlos "Hey, Doc" Cardenas, MD, Chair of TMA's Board of Trustees, answers, "That's a tricky question to answer these days. As you've probably heard, there are some computer glitches with the federal marketplace right now. When (let's hope it's not IF) the glitches are sorted out, you should be able to shop for insurance online and then check out a list of doctors in each plan's network."

 

 

Hey, Doc, Once I Get Marketplace Insurance, Who Will Take Care of Me? Dec. 2, 2013. The physician, Carlos "Hey, Doc" Cardenas, MD, Chair of TMA's Board of Trustees, answers,  "Insurance plans in the marketplace must contract with doctors, hospitals, pharmacies, and other providers to make sure patients like you have somewhere to go for medical care. These are the 'networks' you keep hearing about. It's not FOX or ESPN." 

     

        

Hey, Doc, How Can I Get a Break on the Cost of Insurance? Nov. 18, 2013. The physician, Carlos "Hey, Doc" Cardenas, MD, Chair of TMA's Board of Trustees, answers, When you buy health insurance through the marketplace, my friend, you MIGHT get a break. If you buy it somewhere else, you won't." 
 
 

 

Hey, Doc, What Will it Cost to Buy Insurance on the Marketplace? Nov. 12, 2013. The physician, Carlos "Hey, Doc" Cardenas, MD, Chair of TMA's Board of Trustees, answers, "Here's a surprise, friend. The cost of your insurance depends on what you want to buy, but it also depends on you. The insurance companies can charge you more or less depending on where you live, how old you are, how many people you want to cover in your family, and whether you smoke."

     

 

Hey, Doc, What Different Kinds of Insurance Can I Buy on the Marketplace? Nov. 6, 2013. The physician, Carlos "Hey, Doc" Cardenas, MD, Chair of TMA's Board of Trustees, answers, "Really, it depends on how much you want to spend, what kinds of health care coverage you want for you and your family, and what doctors and hospitals you want to use. Some plans, for example, only let you use certain doctors, unless you pay more. Others might require you to get a referral from your regular doctor before you get other specialized treatments."

 

 

Hey, Doc, What Will My Marketplace Health Insurance Cover?, Oct. 28, 2013. The physician, Carlos "Hey, Doc" Cardenas, MD, Chair of TMA's Board of Trustees, answers, "Every plan in the marketplace has to give you what's called 'essential health benefits.' And they really are what I would call 'essential.' They're a basic package covering 10 different categories."

     

 

Hey, Doc, How Many Insurance Plans Can I Pick From on the Marketplace?, Oct 22, 2013. The physician, Carlos "Hey, Doc" Cardenas, MD, Chair of TMA's Board of Trustees, answers, "Well, my friend, you may have a lot of choices ... or you may have only one choice -- which really isn't a choice at all."

 

 

Hey, Doc, Who Has to Buy Insurance from the Marketplace?, Oct 4, 2013. The physician, Carlos "Hey, Doc" Cardenas, MD, Chair of TMA's Board of Trustees, answers, "My friend, this is the most important question that 'Hey, Doc' has answered so far. Here's the deal: Everyone has to have insurance. Get it any way you can -- through your job, Medicare, Medicaid, the VA, on your own ... or through the Marketplace. You just have to have it by January first."

     

 

Hey, Doc, Who Can Enroll in the Health Insurance Marketplace, Oct 4, 2013.The physician, Carlos "Hey, Doc" Cardenas, MD, Chair of TMA's Board of Trustees, answers, "Remember my friend: The idea behind the Marketplace is to make it easier for people to shop for and buy health insurance on their own."

 

 

Hey, Doc, How and When Can I Sign Up to Buy Insurance from the Marketplace, Oct. 2, 2013. The physician, Carlos "Hey, Doc" Cardenas, MD, Chair of TMA's Board of Trustees, answers, "If you want to buy health insurance from the marketplace, the easiest question to answer is how to sign up. On the Internet, just go to healthcare.gov. That's where you can set up a free account, shop for the right plan, fill out the application, and buy your insurance."

 

     

 

Hey Doc, How Can I Get Ready to Sign Up for the Health Insurance Marketplace? Sept. 24, 2013.The physician, Carlos "Hey, Doc" Cardenas, MD, Chair of TMA's Board of Trustees, answers, "Start by remembering what the marketplace is: A single place where you can go online to check out your health insurance coverage options and compare plans before you buy."

 

 

 Hey, Doc, What's the Health Insurance Marketplace and Why Should I Care? Sept. 18, 2013. Carlos "Hey, Doc" Cardenas, MD, Chair of TMA's Board of Trustees, answers, "The new national health law ... the Affordable Care Act ... says most everyone has to have health insurance starting January 1. That includes you, little man! Most people get insurance through their jobs or from Medicare or Medicaid. But if you don't, the government has set up the marketplace for you to buy your own health insurance online."

 

 

 


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