O.W.L.S. Older Wiser Lively Seniors
OWLS is a program designed to engage seniors in activities that promote good health by providing exceptional opportunities for seniors to interact on a regular basis. OWLS is sponsored by North Country Community Recreation Center (NCCRC), Indian Stream Health Center (ISHC), Upper Connecticut Valley Hospital (UCVH), and the Colebrook Recreation Department. Please contact OWLS program coordinator Becky at (603) 237-4019 for more information.
Click HERE to visit the New O.W.L.S. Program Page.
Community Resource List
Click on the link below to access our Community Resource List. If you need assistance in contacting or connecting with any of the agencies or programs listed, please contact us.
Community Outreach Services
Health Insurance Assistance
Federally Certified Application Counselors
Vermont Certified Application Counselors
Why is health insurance important?
Sometimes the decisions you have to make for your health can sometimes be difficult. Having health insurance means less worry for you when you or your child is sick because you will have access to a doctor. When you or your children are ill or injured, you won't have to worry about how to pay for doctor visits, prescriptions and other services.
Prevention is an important part of everyone's health. Even if you are healthy, you will stay in good health with annual visits, immunizations and dental checkups. Seeing the doctor for routine check-ups is vital to overall health.
Health Insurance Marketplace
Important: Marketplace Open Enrollment ended March 31, 2014. You can still buy a Marketplace health plan only if you qualify for a special enrollment period. You can apply for Medicaid and CHIP any time. Open Enrollment for 2017 coverage starts November 1, 2016.
The Health Insurance Marketplace helps uninsured people find health coverage:
- Private health insurance: Plans cover essential health benefits, pre-existing conditions, and preventative care.
- Lower costs based on your household size and income: You can preview plan available in your area right now, with prices based on your income and household size. Most people who apply will qualify for lower costs.
-Medicaid and the Children's Health Insurance Program: These programs cover millions of families with limited income. If it looks like you qualify, the Health Insurance Marketplace will share information with your state agency and they will contact you. Many, but not all, states are expanding Medicaid in 2014 to cover more people. NH and VT have expanded Medicaid.
Most people must have health coverage in 2016 or pay a penalty.
If you don’t have coverage, you’ll pay a fee of either 2.5% of your income, or $695 per adult ($347.50 per child), whichever is higher. You'll pay the fee on your 2016 income taxes. Some people qualify for an exemption to the fee, based on income or other factors.
You’re considered covered if you have Medicare, Medicaid, CHIP, any job-based plan, any plan you bought yourself, COBRA, retiree coverage, TRICARE, VA health coverage, or some other kinds of health coverage. Financial assistance programs are not considered health insurance plans.
If you're eligible for job-based insurance, you can consider switching to a Marketplace plan. You won't qualify for lower costs based on your income unless the job-based insurance isn't considered affordable or doesn't meet minimum requirements.
If you have Medicare, you're considered covered and don't have to make any changes. If you have Medicare, you can't use the Marketplace to buy a supplemental plan or dental plan.