Health insurance has changed dramatically in the last 3 years. Before The Affordable Care Act of 2010 (ACA) aka Obamacare, people who had pre-existing conditions would not be eligible or be discriminated in premium hikes due to their health. Since the ACA, no insurer could charge or deny you coverage based on your current health or pre-existing condition.
The Affordable Care Act mandated plans both inside and outside of the Health Insurance Marketplace to offer 10 Essential Health Benefits to everyone without discrimination; emergency services, hospitalization; maternity and newborn care; mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative services; lab services; preventive and wellness services and chronic disease management; and pediatric services, including oral and vision care.
Today, families and individuals can qualify based on family size and income to help them with the cost of the monthly plan premiums called a “tax credit”.
There are policies available for those who do not wish to participate in the Marketplace, those plans still cover the 10 Essential Health Benefits. When someone chooses not to enroll into a Marketplace plan, they will not have the option to see if they qualify for a tax credit to help them with the monthly plan premiums. Being enrolled into these plans will keep you from being penalized for not having health insurance.
Dental and Vision plans are not included for adults in the health plans. They are offered separately and there is a wide range of plans to choose from to fit your budget.
When you become eligible for Medicare, whether it’s be because you turned 65 or have been on disability for 24 months, we also offer a wide range of Medicare Advantage Plans and Supplemental Plans as well.
Don Westerfeld has been active in the field of Insurance and Financial Planning since 1997. Don grew up in Indiana later moving to Lakeland Florida where he continues to reside with his wife and children. When he’s not in the office you can find him enjoying the great outdoors. He has served on several charitable business and non-profit organizations and continues to provide guidance, advice and support to local charities.
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