With Healthcare Open Enrollment Impending, Know Your Options

Have you marked November 1st on your calendar?

It’s an important day, as it marks the start of Open Enrollment for 2016 plans in the Health Insurance Marketplace. Likewise, at many companies, open enrollment occurs around the same time, allowing employees to weigh their options.

When you’re making decisions that affect cost of medical care, you should consider all the choices you have. This includes nontraditional healthcare, such as telehealth.

Considering Alternatives to Health Insurance as Open Enrollment Approaches

When it comes to health insurance, there are many options available that can be very confusing to navigate. You can look into the options available in the Health Insurance Marketplace and see if you qualify for federal tax credits or Medicare or Medicaid. If your employer offers health insurance, you can look into those plans.

If you find that you do not qualify for any subsidies or federal assistance, but the plans offered are still too expensive for you, the other option is to elect not to pay for coverage and instead pay the penalty fee. In 2016, this fee is whatever amount is higher — either 2.5% of your household’s yearly income, or $695 per person ($347.50 per child under 18), with a maximum penalty of $2,085 per family.

You may be worried that not purchasing health insurance might be unwise, and for some families and individuals with a history of health risks and medical conditions, this can be true. However, opting for the penalty while pursuing alternate care is a good option for many people.

Telehealth or Telemedicine

If you elect not to get health insurance in 2016, but still want to get medical care for your family, ARCpoint MD’s telehealth services are an ideal solution. With a one-time registration fee and just $18 per month, you can get access to board-certified physicians via video conference or phone, 24/7, any day of the year. Our qualified doctors can diagnose, prescribe medications, and provide treatment plans, all without you leaving your home, no insurance needed, no co-pays or consultation fees.

Our telemedicine program also includes a prescription discount card, email or voicemail access to our doctors, and on-call registered nurses available via phone to answer any medical questions.

With telehealth services, we offer a more affordable, convenient way to get the medical care you need.

Wellness Screening


Test Smartly Labs also provides basic health testing and wellness screening for individuals who want to monitor their health. Our testing does not require insurance or a doctor’s orders, meaning you can walk in and get self-directed labs done. We can perform cholesterol testing, heart health checks, pre-diabetes testing, and more. When you know key numbers about your health, you can make the appropriate lifestyle adjustments, and also decide if you do need to get a doctor’s opinion.

Learn More About Your Healthcare Options

If you want to learn more about the healthcare options available to you and your family, contact your nearest wellness-certified Test Smartly Labs!

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