Which Plan is Right For You?

All AmeriCorps VISTA members are eligible to participate in one of two plans under the Health Benefit Program. Neither the Health Benefit Plan nor the Allowance Plan are considered insurance policies. Please note that effective 1/1/2019, you no longer require an exemption from the individual mandate and matching exemption certificate number (ECN) in order to enroll onto the Health Benefit Plan.

When Enrolling on the VISTA Health Benefit Plan online: You must enter “NA” or “NO ECN” in the ECN field of the online form to complete enrollment.

Answer the following questions for direction on plan selection:

  • Do you have coverage under a parent or spouse's plan, or your own plan purchased through the Health Insurance Marketplace, Medicaid, Medicare, or Tricare?
    If yes: Choose option 1 - You are eligible for the AmeriCorps VISTA Healthcare Allowance;
  • Do you have no other insurance and need limited benefits only for accidents and injuries that occur during your VISTA service term*?
    If yes: Choose option 2 - You are eligible for the AmeriCorps VISTA Health Benefit Plan;
    *Please be aware that the AmeriCorps VISTA Health Benefit Plan does not cover for care related to most pre-existing medical conditions and does not cover common routine preventative benefits you may find standard on most ACA compliant health plans. You may find out you are eligible for more benefits by applying for Medicaid coverage, or for tax credits to pay for an affordable ACA compliant plan with more benefits at https://www.healthcare.gov/.
  • Do you need to find out if you qualify for other insurance coverage and complete an application with your Health Insurance Marketplace?
    If yes: Choose option 3 – You are eligible for 60 Day Temporary enrollment in the AmeriCorps VISTA Health Benefit Plan beginning on the start of your VISTA service term while you apply for other coverage.
    Once you have completed researching other options, please send an updated enrollment form to IMG as soon as possible.
    You may then select the Healthcare Allowance Plan to be effective the start date of your other insurance plan by providing other insurance information.
    OR if you are not satisfied with your other insurance options found you may select to enroll in the Health Benefit Plan.
  • Do you wish to decline enrollment in either plan or keep only your current healthcare coverage?
    If yes: Choose option 4 - You have the option to waive coverage through the AmeriCorps VISTA Health Benefit Program.