(ACA) The law intended to address issues with our health care system by increasing access to health insurance, introducing reform and improving quality. Also referred to as the Patient Protection and Affordable care Act (PPACA).
Open Enrollment is October 1, 2013-March 31, 2014.
Yes, being sick does not keep you from getting coverage. Insurance companies can no longer rate or decline you based on health.
Health insurance not only helps you when you get sick, it also offers benefits such as first dollar preventive care for 10 minimum essential benefits. It also covers some health screenings, vaccines, and regular check-ups.
2014 Compliant Plans Must Include 10 ESSENTIAL HEALTH BENEFITS
- Ambulatory patient services
- Emergency Services
- Maternity and newborn care now automatically covered
- Increased benefits for mental health and substance use disorder services including behavioral health treatment
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care
There are 2 different types of government subsidies to help you pay for health insurance in 2014. Contact a local agent for help in determining if you qualify.