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At iHealthcare, we care about getting you the coverage you need within your budget. That’s why our experienced agents will walk you through the Medicare enrollment process to avoid penalties. We will also make sure you are fully knowledgeable about all your Medicare options so you can make educated decisions.
Having insurance is important, especially if you have a family and kids. Many people have heard about insurance, but really have a hard time explaining what it is and how it works. As an overview, health insurance functions as coverage or a plan that will help pay costs and expenses associated with surgical, medical, prescription drugs and dental from time to time.
To receive a free quote and discuss your healthcare options, reach out to iHealthcare today. Our licensed insurance professionals will provide you with all the information needed to make sure you receive the best coverage possible at the best rates.
For all of your healthcare insurance needs, reach out to one of our expert agents today by calling 713-900-1901 or filling out the form.
View the latest insurance trends and industry news from iHealthcare. For questions, feel free to contact us directly.
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In 2010, the Affordable Care Act was signed into law by President Barack Obama as a comprehensive healthcare reform. The main objective of the new program was to extend health-insurance coverage to millions of uninsured Americans through a new list of health-related provisions. The Affordable Care Act also expanded eligibility for Medicaid, preventing insurance companies from charging more or denying coverage based on pre-existing conditions. It also created a health insurance exchange and allowed children to remain under their parents’ insurance plan until 26.
Created to reduce the cost people would have to pay for health insurance coverage, the Affordable Care Act included cost-saving measures such as premium tax credits and cost-sharing reductions. If qualified for them, the premium tax credits worked to lower the monthly health insurance bill. Cost-sharing reductions, on the other hand, were aimed at lowering out-of-pocket costs for copays, deductibles, and coinsurance. It also helped to lower the out-of-pocket maximum that had to be paid annually for health expenses.
In order for a health insurance plan to be sold on the Health Insurance Marketplace it has to offer the following essential health benefits:
The Affordable Care Act also requires that insurance plans cover preventative services for policyholders at no additional cost. These services can include health screenings, checkups, immunizations, and patient counseling.
Unlike many other insurance plans currently available, receiving benefits through the health insurance marketplace is quite easy. To qualify you must live in the United States, be a U.S. citizen or lawfully present, and you cannot be incarcerated. It is also important to note that you will not be eligible to use the marketplace for dental or health plans if you have Medicare coverage already. While it is not a requirement for the Affordable Care Act, to qualify for subsidies, your income must not be more than 400 percent of the federal poverty level.
Our experienced agents have helped thousands of people just like yourself decide on healthcare coverage options and would help you find the perfect plan.
For more information on the Affordable Care Act or to get a free quote, give us a call at 713-900-1901.