- Health Care, Drugs & Insurance
10 Great Reasons To Enroll Under The Affordable Act
We are a mere 10 days from open enrollment under the Affordable Care Act, and the stakes could not be higher. On October 1st, 2013, individuals, and families who are not covered by employer sponsored health care plans, will have the opportunity, to enroll and purchase health coverage, through either, their State’s or the Federal Health Insurance Exchange. This will be the acid test, for the implementation of this necessary, but controversial plan. It is important that millions of us, Americans enroll in these plans, to help ensure it’s success. Here are 10 Key reasons why you should sign up for coverage under the Affordable Care Act.
1. You Gain Access To Health Care Services
Enrolling under the Affordable care act, means you gain access, to health care services, and join those millions of Americans, who already have coverage, provided by their employer. Health coverage is the currency or ticket you need to receive quality health care services from your primary care doctor, specialist, hospital, or other health care providers. No need to cancel or postpone a necessary doctor’s visit, because you do not have the money to pay for the services.
2. Enjoy Lower Health Care Premiums
Because health insurance companies within the Health Care Exchanges, are competing for your premiums. This will drive down premium costs, making them more affordable to you the consumer.
Additionally, under the Affordable Care Act, some consumers may receive a credit, based on income, to help them afford the premium cost.
Before the Affordable Care Act, individuals and families seeking to buy health insurance on their own, had to pay exorbitantly high premiums, and the coverage was often limited.
3. Ability To Select The Best Coverage For Your Needs
The Health Care Exchange allows you to select the best coverage for you, your family situation, and your budget. If your family needs more coverage, you can add benefits and taylor the plan to suit your needs. You are in control.
4. Plans Provide Full Major Medical Type Benefits
All health care plans will provide a full range of health care benefits. This core of essential benefits, ensures you will have coverage for every aspect of care that you may need. For Example, In Hospital & Outpatient Hospital Services, Laboratory & Diagnostic Services, Mental Health Services, Physician Office Services, as well as, other Ancillary Services.
5. Free Preventive Care Benefits
Enables you to visit your doctor for a free checkup. You do not have to wait until you are sick, to seek medical care. Prior to the Affordable Care Act, some insurance companies, did not provided coverage for preventive care visits.
6. Say Goodbye To Pre-existing Conditions
You can no longer be denied coverage because you or a family member have a preexisting condition.
7. Your Dependent Children Covered Until Age 26
Prior to the Affordable Care Act, your dependent children were covered until age 19, or up to age 23, if they were an enrolled college student. Now, your children can remain on your health plan until they reach age 26, even if they are not enrolled in college
8. Cannot Lose Coverage Because You Got Sick
In the past, some insurance companies would arbitrarily terminate your coverage when you got sick. Under the ACA, you will have reliable coverage. One, that will be there for you, at that vulnerable moment, when you need it most.
9.Covers Emergency Services At Out Of Network Hospital
Thanks to the Affordable Care Act, now, you can seek emergency care at a hospital outside your plan’s network. This is a very important benefit. Say, you or a covered dependent were travelling out of town, and suddenly need emergency care, and had to be taken to a nearby hospital. The services would be fully covered, even though that hospital may not be in your plan's hospital network. Without this new benefit, chances are, you would be personally, responsible for the full charges associated with that emergency visit.
10. No More Annual Or Lifetime Limits
Because of the Affordable Care Act, all annual and lifetime limits have been phased out. Prior to the law, many insurance companies had annual and lifetime limits on the coverage benefits they provided.