Why do I need health insurance?

At CHI St. Luke’s Health, we believe having health insurance is one step toward a healthier, happier life.

That’s why it’s important to enroll in health insurance.  The Affordable Care Act was created to ensure everyone can get the healthcare they need regardless of their budget, even if they are sick or have a prior health issue. If you do not enroll in health insurance, you will be required to pay a fee.

If you’re one of the remaining uninsured, start shopping for an insurance plan that fits your needs and budget – you may qualify for low-cost or free insurance.

For coverage starting in 2016, you can enroll now through January 31, 2016.

How do I enroll?

The many ways to enroll, including the following:

Spanish speakers can find assistance at cuidadodesalud.gov

Which plan should I choose?

On healthcare.gov, you will be able to compare between different levels of healthcare plans from a variety of insurance providers. Each will have different amounts of coverage and different monthly premiums. Only one simple application is required.

How do I ensure my doctor and hospital are in-network?  Which plans have CHI St. Luke's hospital and doctors in-network?

On healthcare.gov web site, you can compare between different healthcare plans from a variety of approved insurance providers.  You can also check to see if your preferred healthcare provider is in-network.

CHI St. Luke’s Health hospitals and doctors are in network for the following plans:

  • Cigna
  • Community Health Choice

How much will health insurance actually cost?

The cost of health insurance depends on your age, gender, income and tobacco use as well as the plan you choose.  Visit getcoveredamerica.org/calculator/ to estimate the cost of your health insurance as well as the potential benefits. 

What will my health insurance plan include?

All marketplace plans must cover the following list of preventive services without charging you additional fees (copayment or coinsurance), even if you haven't paid your yearly deductible.

However, you must receive these services from a healthcare provider in your network. Screenings are also available based on certain criteria and conditions.

Preventative Screenings For All Adults

  • Abdominal aortic aneurysm one-time screening
  • Alcohol misuse screening and counseling
  • Aspirin use
  • Blood pressure screening
  • Cholesterol screening
  • Depression screening
  • Diabetes (Type 2) screening
  • Diet counseling
    1. HIV screening
    2. Vaccines and immunizations
    3. Obesity screening and counseling
    4. Sexually transmitted infection (STI) prevention counseling
    5. Syphilis screening
    6. Tobacco use screening

    Preventative Screening For Women

    • Anemia screening
    • Breast cancer genetic test counseling (BRCA)
    • Breast cancer mammography screenings
    • Breast cancer chemoprevention counseling
    • Breastfeeding comprehensive support and counseling
    • Cervical cancer screening
    • Chlamydia infection screening
    • Contraception
    • Domestic and interpersonal violence screening and counseling
    • Folic acid supplements
    • Gestational diabetes screening
    • Gonorrhea screening
    • Hepatitis B screening
    • HIV screening and counseling
    • Human papillomavirus (HPV) test
    • Osteoporosis screening
    • Rh incompatibility screening
    • Sexually transmitted infection (STI) counseling
    • Syphilis screening
    • Tobacco use screening and interventions
    • Urinary tract or other infection screening
    • Well-women visits


    Preventative Screenings For Children

    • Alcohol and drug use assessments for adolescents
    • Autism screening
    • Behavioral assessments
    • Blood pressure screening
    • Cervical dysplasia screening
    • Depression screening
    • Developmental screening
    • Dyslipidemia screening
    • Fluoride chemoprevention supplements
    • Gonorrhea-preventative medication
    • Hearing screening
    • Height, weight and body mass index measurements
    • Hematocrit or hemoglobin screening
    • Hemoglobinopathies or sickle cell screening
    • HIV screening
    • Hypothyroidism screening
    • Immunization vaccines
    • Iron supplements
    • Lead screening
    • Medical history
    • Obesity screening and counseling
    • Oral health risk assessment
    • Phenylketonuria (PKU) screening
    • Sexually transmitted infection (STI) prevention counseling and screening