Health InsuranceHaving health insurance is a necessity. And now with the Affordable Care Act, there are more options than ever. Buying healthcare doesn't have to be confusing. I can help you understand the ins and outs, and unravel the complexities so that you get the right coverage.
About the Affordable Care ActStarting in 2014, lower-income or middle-class individuals and families with no access to job-based health insurance will be able to buy subsidized private coverage.
If you don't have health insurance through an employer because you're self-employed or unemployed, or you work for an employer that doesn't offer health benefits then you may be eligible to receive a subsidy to help reduce your premiums.
All individual health insurance plans will include ten essential health benefits:
- Doctor visits and outpatient services
- Emergency services
- Maternity and newborn care
- Mental health and substance abuse services
- Behavioral health treatment
- Prescription drugs
- Laboratory services
- Preventative services
- Chronic-disease management and pediatric services
The Health Exchange and Available PlansThe Health Exchange has been likened to Travelocity or Expedia, where you can compare options before you buy. Plans sold on the exchanges must fall into one of five categories: platinum, gold, silver, bronze, and a catastrophic policy, which is available only to people under age 30. The level of plan determines the premiums, co-payments, co-insurance, deductibles, and out-of-pocket costs.
In addition to navigating the marketplace, I can help you make an informed decision about what plan will best support you and your family. If you have any questions about the Affordable Care Act or would like a free quote, please call 773-562-3600.
Dental InsuranceOral health is a major contributor to your overall health. With the rising cost of dental care, taking care of your teeth can get pricey. Finding a dental insurance policy can help diminish the cost of your regular check ups and procedures.
What do dental plans cover?
Almost all dental plans cover basic dental costs to prevent dental problems such as tooth decay and gum disease.
These plans include coverage for basic services such as:
- Regular checkups
- Other preventative procedures
In addition, most dental insurance plans cover basic dental procedures such as fillings and tooth extractions. Some policies do cover a portion of major dental care costs including surgery, orthodontics, and denture work.
The Affordable Health Care Act requires all new (non-grandfathered) health insurance Plans in the individual market to include dental coverage for children age 18 and younger as "essential " health benefit. Even if you don't need dental insurance to avoid penalties under the Affordable Care Act , dental insurance helps many people afford expensive dental care. Many dental plans allow you to see you a network of dentists, too.
If you're looking for a dental plan for you and your family, please call me at 773-562-3600.
Vision InsuranceTaking care of your eyes is important. Vision plans are a great option for protecting your peepers and can help you save money. Like dental plans, vision can be sold individually or combined with basic health care plans.
Vision plans offer:
- Low monthly premiums
- Coverage for comprehensive exams
- A range of national providers
The Affordable Health Care Act requires all new (non-grandfathered) health insurance plans In the individual market to include vision benefits for children age 18 and younger as an "essential" health benefit. The law typically covers an annual eye exam and one pair of glasses or contact lenses for children. Adults are not mandated to have vision benefits.
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