Download the ACA Health Insurance Enrollment Assistant BROCHURE pdf
All insurance under the ACA law must cover the following:
Public Access Computers
Bayard Public Library 575- 537-6244
(sign-in, library card not needed, 2 hr limit)
1120 Central Ave., Bayard
Tues.-Fri . 8:30am – 5:30pm, Sat. 10am – 5pm
Number of Computers: 16
Gospel Mission 575-388-5071
111 S. Texas St., Silver City
Mon.-Fri. 8:30am – 1pm, Sat. 8am – 10am
Number of Computers: 1
NM Dept of Workforce Solutions 575-538-3737
410 W. Broadway, Silver City
Mon.-Fri. 8am – 5pm
Number of Computers: 2+
Silver City Public Library 575-538-3672
(sign-in, library card not needed, 1 hr limit)
515 W. College Ave., Silver City
Mon. 12pm – 7pm, Tues. -Thurs. 9 – 6pm,
Fri. 9am – 5pm, Sat. 9am – 1pm
Number of Computers: 5
Silver City Senior Center (senior use only)
205 W. Victoria St., Silver City 388-2545
M-F 8am – 2pm
Number of computers: 3
WNMU Miller Library (students come first)
1000 W. College Ave, Silver City 538-6359
Mon.-Thurs. 8am – 9pm, Fri. 8am – 5pm,
Sat. 1pm – 5pm, Sun. 3pm – 9pm
Number of Computers: 23
WNMU Watts Hall (students come first)
Corner of Swan & Hwy 180, 574-5101
Mon. & Fri. 11am – 4:30pm,
Tues.-Thurs. 9am-4:30pm
Number of Computers: 16
Terms & Definitions for Healthcare Insurance
Deductible:
The deductible is the dollar amount you must pay for health care before
your health plan's benefit kick in. When purchasing coverage, you
select the deductible amount you wish to pay; for instance, $2,500 , $5,000,
$7,500 or $10,000. Your monthly premium does not contribute toward this amount.
Copay:
A copay is the flat fee consumers may pay for medical treatments and services.
These vary by plan design and often include separate copays for physician
office visits, prescription drugs, ER visits, surgical services and hospital
confinement. You must typically pay your copay up front, at the time medical
care is received. The amount will likely be printed on your insurance
card. For instance, if your physician office visit copay is $10, then
you will pay $10 every time you go to the doctor. You will still be responsible
for your deductible and coninsurance, as wll as any additional out-of-pocket
expenses, once services have been billed.
Coinsurance:
The percentage of meical costs you owe once the insurance company covers
its share. This typically kicks in once the consumer's deductible
has been met. If the insurance company pays 80 percent for covered care,
then the consumer will pay the remaining balance -- 20 percent. When it
comes to coninsurance, the dollar amount you owe will vary because medical
bills vary. The patient is often charged after the insurance company has
paid its portion.