COMMON What is Pennie? TERMS Pennie is Pennsylvania’s official destination for shopping for quality health and dental insurance plans and is Let’s make buying health Welcome to the only place that will help you find out insurance easier to understand if you are eligible for financial assistance Some of the terms you’ll see while to lower your monthly premium and/or you’re shopping include: out-of-pocket expenses. Premium When the only thing you know is that you need The amount you pay for your health health coverage, Pennie has the answers. coverage every month Deductible How much you owe for healthcare Key dates to remember services before your insurer starts to for 2021 coverage pay Copay Nov. 1, 2020, to Jan. 15, 2021 A predetermined rate you pay for healthcare services at the time of care Open Enrollment Recently uninsured? Co-insurance The percentage of costs of a covered First-time insurance Dec. 15, 2020 healthcare service you pay (20%, shopper? for example) after you’ve paid your Enrollment date for coverage deductible that starts Jan. 1, 2021 Want to compare plans Out-of-pocket maximum and prices? The most money in deductibles, Jan. 15, 2021 copays and co-insurance you could Last date to apply for 2021 pay each year (excluding your monthly premium), regardless of how much coverage medical care you use gets you covered. Network Get your health insurance questions answered, The healthcare providers and facilities shop and compare plans, and take the next (hospitals, urgent care centers, Pennie helps you shop, compare and step to good health with Pennie! labs, etc.) your health insurer has purchase health coverage. contracted with to provide healthcare services. Staying in-network usually is Learn more inside. pennie.com • 1-844-844-8040 cheaper than going out-of-network pennie.com Health insurance Get the financial Enrollment basics shopping checklist support you need! What is open enrollment? Not covered through work or another program like Medicaid? Before you start enrollment with This is the yearly period when you can buy Pennie, gather the following: Nearly nine out of 10 Pennsylvanians health insurance. If you don’t enroll during this You can find the coverage that’s right for you currently qualify for financial time, you can’t sign up until the next one, unless through Pennie. O Photo ID(s) (driver’s license, passport assistance! you qualify for a Special Enrollment Period. or other option proving your identity) Pennsylvania’s Open Enrollment Period runs O Social Security numbers(s) Pennie is happy to help you access two First time shopping for coverage? types of help that reduce what you pay for from Nov. 1, 2020, to Jan. 15, 2021. Pennie helps you shop for, compare and buy O Last four weeks of pay stubs coverage and care, if you qualify: Advanced health insurance. Premium Tax Credit (APTC) and Cost- What is a special enrollment period? O Immigration documents, if sharing Reductions (CSR). This is when you can enroll outside of open applicable enrollment if you’ve experienced certain How do I shop and compare plans? O Most recent tax return(s) qualifying life events, including losing health • Go to pennie.com coverage, moving, getting married or having • Click the “Get Covered” button to go to a portal a baby. to view options and shop • Provide basic information about you and your Why do I need to renew my health family How to enroll Advanced Premium Tax Credit insurance plan? • Pennie will match you with plans that meet your 1 Compare plans and get a quick quote The APTC is a tax credit that lowers your If your current healthcare.gov plan is still needs and budget Pennie helps you shop and compare premium, or monthly health insurance available and you’ve had no major changes, the price and coverage options for payment. When you apply for coverage you may be able to keep it. It is still important We compare your TOTAL out-of-pocket cost, not health and dental insurance plans through Pennie, you’ll estimate your to compare plans and prices every year to just your monthly premiums. even before you apply. expected income for the year. If you qualify make sure you are getting the best health for APTC, you can use any amount of the plan available. Pennie allows you to easily shop When you find the plan that best suits your needs, 2 Apply for coverage credit in advance to lower your monthly and compare and find out if you qualify for add it to your cart, pay your first month’s premium When it’s time to apply, make sure to payments. financial assistance. and then you’re covered! have handy the important information outlined in the shopping checklist and other details about your household. Why get coverage? Who can help me shop and enroll? If you’re completing the enrollment process by 3 Pay your first month’s premium Accidents and illnesses happen. Health yourself, our Pennie Customer Service team Many plans allow you to pay online. insurance gives you peace of mind during is ready to help at any point. If you would like Your coverage cannot begin until you uncertain times, such as the COVID-19 further assistance, you can choose between a have paid your first month’s premium. pandemic. Plus, some preventive services are Cost-sharing Reduction Pennie Assister or a Pennie-certified Broker. We free to help keep you and your family healthy. You’re covered! can also help connect you with other coverage The CSR helps to lower the amount you have Enjoy the peace of mind that comes options, such as Medicaid and CHIP. to pay for deductibles, copayments and Who can get coverage? with knowing you and your family coinsurance. If you qualify, you must enroll in have health insurance. Start using your PA residents who are citizens, U.S. nationals or a plan in the Silver category to get the extra coverage to get the care you need. savings. have a qualifying immigration status can apply and enroll in health coverage through Pennie. Get all the details at pennie.com! pennie.com • 1-844-844-8040 .