The draft application for health cover, under President
Obama's health Care overhaul, is about 15 pages for a three member family.
Three major federal agencies,
including the IRS will examine the application; check on identity, income and
citizenship with 21 steps.
As Obamacare wants people with low
incomes get adequate help and health covers, the first part of the application
clears up exactly where you are placed money wise.
The second part is where you choose a
health plan, if you are not covered by your employer or Medicare or Medicaid,
experts feel if the application is overwhelming the uninsured may just give up.
"This lengthy draft application will take a
considerable amount of time to fill out and will be difficult for many people
to be able to complete," said Ron Pollack, executive director of Families
USA, an advocacy group supporting the health care law. "It does not get
you to the selection of a plan."
He wants the government to make
the application simpler and employ counselors to help the uninsured.
"We are not just signing up
for a dating service here," said Sam Karp, a vice president of the
California HealthCare Foundation, who nonetheless gives the administration high
marks for distilling it all into a workable form. Karp was part of an
independent group that separately designed a model application.
On an average the application form
will take approximately 45 minutes to complete. It can be saved and worked on
HHS estimates it will receive more
than 4.3 million applications for financial assistance in 2014. Because
families can apply together, the government estimates 16 million people will be
One of the advantages of applying
online is that you get instant verification. An online clearing house called
Data Services Hub will check birth records, IRS for income and Homeland
security for Immigration status.
Applying for independent health
care is not simple as medical records and other issues need to be cleared. With
the new exchanges it may be a simpler process.
One of the issues that will have
to be dealt with is when your income or that of your spouse changes - there
will have to be documentation before you are covered for health.
HHS spokeswoman Erin Shields Britt
said that the y was trying to simplify the application.
Hannah Punitha (IRDA Licence Number: 2710062)
CNBC Personal Finance,