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Starting 1/1/14, guaranteed issue means health insurance companies have to issue health insurance to nearly anyone — no matter what their health or health history. In other words, coverage is guaranteed to nearly anyone.
As of 1/1/14, under the Affordable Care Act (ACA) there will be 10 Essential Health Benefits that every health insurance plan must include: 1. Ambulatory patient services 2. Emergency services 3. Hospitalization 4. Maternity and newborn care 5. Mental health and substance use disorder services, including behavior health treatment 6. Prescription drugs 7. Rehabilitative and… Continue reading Essential Health Benefits
As of 1/1/14, under the Affordable Care Act (ACA), this is the amount of help you will get from the federal government to help you pay for health insurance IF you qualify and only IF you buy health insurance through an online Exchange, aka Marketplace or in California known as Covered California. The APTC is… Continue reading Advance Premium Tax Credit (APTC)
As of 1/1/14, under the Affordable Care Act (ACA), this is the amount of help you will get from the federal government to help you pay for health insurance IF you qualify and only IF you buy health insurance through an online Exchange, aka Marketplace or in California known as Covered California. Subsidies are also… Continue reading Subsidies
Did you know? If you are in California and have an individual health insurance policy with Aetna, you are being abandoned on January 1, 2014. Because of certain provisions in ObamaCare (aka The Affordable Care Act aka ACA), Aetna has decided to get out of the California individual market (can anyone say “profit margin”?) and… Continue reading Aetna Bites The Dust
ObamaCare — aka The Affordable Care Act — is set to launch 1/1/14. For California residents… this summer you’re going to be bombarded with radio and TV ads about the “Health Care Exchanges” or “Marketplaces” — known in California as “Covered California.” ObamaCare will not necessarily save you money and it will not necessarily get… Continue reading ObamaCare and You