Affordable Care ActEnrollment for 2018 runs from November 1, 2017 to December 15, 2017.
Affordable Care Act
The (ACA) Affordable Care Act also known as the Obamacare was passed in the year 2010 to ensure that health care is easily open and affordable for every average American citizen. Prior to the Act, it was conceivable to be denied medical coverage for having a previous condition. You can also be kicked off an insurance plan for requesting too much care.
With the help of health reform, millions of Americans now receive affordable health care.
Every health insurance companies with their different health plan must have some vital health benefits and those benefits include:
- Outpatient Hospital Services
- Inpatient Hospital Services
- Emergency Services
- Prenatal, Maternity, And Infant Care
- Pediatric Mind
- Preventive And Health Services
- Chronic Diseases Treatment
- Mental Well-being Issue Counseling And Care
- Substance Manhandle Advising And Treatment
- Prescription Sedate Coverage
- Laboratory Tests And Administrations
Some other health care plan might have extra benefits.
You Can’t Be Denied Coverage
Before the implementation of the affordable care act, most health insurance company might charge more or even deny you coverage if you’ve had a previous health condition. Most of the insurance company might end up refusing to treat you of your previous medical condition, but since January 1, 2014, anyone can now buy health insurance, even if you’ve been sick or have been denied of your pre-existing coverage.
There’s an exception. All health plans acquired before March 23, 2010, that had a previous condition rule still don’t need to take care of the cost related to their sickness. These plans and grandfathered in and don’t need to agree to the new law. In other to get a health plan that will cover your previous condition then apply for the insurance through the commercial centers.
Your Insurance Company Can’t Put a Cap on Your Benefits
As of January 1, 2014, health insurance companies can’t put a yearly cap or cut off the vital health benefits. This implies that you won’t come short of benefits even when you get sick or even have a really bad health condition.
There’s a possibility that health insurance companies can still cut off the benefit of an individual health insurance plan that was purchased before 2014 because these health insurance plans are grandfathered in by the law.
What You Need to Apply
You’ll need a few documents and information once you’re ready to apply for health insurance or switch your plan. This information helps determine if you’re eligible for a tax credit, a lower-cost premium, or Medicaid. Be prepared to pull the following documents together:
- basic information about everyone applying for coverage (name, social security number, address, birth date)
- employer and income information for everyone applying for coverage
- information on how you file your taxes
- estimated household income for the year
- policy numbers for any existing health insurance plans
- a completed “Employer Coverage Tool” if you have or are eligible for coverage at work
- information about any plans purchased through the marketplace in the previous year