About Obamacare USA
What you Need to Know
What you Need to Know
What you Need to Know
Obamacare USA has been providing quality health insurance options to individuals and families for over 20 years. Our commitment to our clients has remained our top priority since day one.
Our Expertise
What you Need to Know
What you Need to Know
Our team of licensed insurance agents has years of experience in the health insurance industry and stays up to date on the latest trends and changes in healthcare legislation.
Obamacare Highlights
Obamacare Highlights
Obamacare Highlights
We offer a variety of health insurance plans, including HMOs, PPOs, and high-deductible plans, to meet the diverse needs and budgets of our clients.
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Obamacare Highlights
Obamacare Highlights
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ObamaCare ACA
What is ObamaCare? Understanding The Affordable Care Act (ACA)
“ObamaCare” is a nickname for the healthcare law known as the Patient Protection and Affordable Care Act of 2010 (PPACA). The law is often called the Affordable Care Act (ACA) for short.
Many people are aware of the basics of the Affordable Care Act (ACA).
- They are aware of benefits such as the ACA offering cost assistance for health insurance premiums and protections against preexisting conditions.
- Likewise, they are also aware of challenges that some families face like the rising cost of ACA-compliant health insurance and the requirement to get coverage, an exemption, or a pay a fee (that has now been reduced to $0 starting in 2019 on the federal level, although some states have their own mandates).
Those pros and cons of ObamaCare .
it is important to understand, but they are only a small part of what the Affordable Care Act does and what its effects are.
Below we present some essential “ObamaCare Facts” to help you better understand what the Affordable Care Act (AKA “ObamaCare”) is, what it does, and how it affects you and your family.
OBAMACARE FACT:
President Obama signed the Affordable Care Act into law, and that is essentially why the healthcare reform bill got the nickname “Obama” “Care.” However, healthcare reform has little to do with President Obama beyond that. The reality is, the law is the result of decades of collaboration between all political parties and the healthcare industry.
A Summary of the Affordable Care Act
The ACA was signed into law to reform the healthcare industry by President Barack Obama on March 23, 2010, and upheld by the Supreme Court on June 28, 2012.
The aim of the ACA was to address the “healthcare crisis” the nation was experiencing before the law was enacted.
In other words, the ACA was meant to address the fact that premiums were rising faster than inflation, that healthcare spending was raising as a percentage of GDP, and that the uninsured rate was increasing because of this.
Why do I Need a Health Insurance Broker?
Expertise and Guidance:
Health insurance brokers are knowledgeable about the intricacies of health insurance plans and can provide personalized guidance based on your specific needs and circumstances. They can help you navigate the complexities of the healthcare system, including understanding different plan options, coverage details, and costs.
Access to Multiple Plans:
Brokers typically have access to a variety of health insurance plans from different insurance companies. This means they can offer you a range of options to choose from, allowing you to select the plan that best fits your budget and healthcare needs.
Time and Effort Savings:
Enrolling in health insurance can be a time-consuming and confusing process, especially if you're unfamiliar with the terminology and requirements. A broker can streamline the process for you, saving you time and effort by handling tasks such as comparing plans, completing paperwork, and answering your questions.
Cost Savings:
Contrary to popular belief, using a broker doesn't necessarily cost you more money. In fact, brokers are often compensated by the insurance companies, so their services may come at no additional cost to you. Additionally, brokers can help you find cost-effective plans that provide the coverage you need without overspending.
Assistance with Subsidies:
If you're eligible for premium tax credits or other subsidies under the Affordable Care Act, a broker can help you understand your options and assist you in applying for these financial assistance programs. They can also help you navigate changes in your income or family situation that may affect your subsidy eligibility.
Local Knowledge:
Many health insurance brokers operate in specific regions or communities, giving them firsthand knowledge of local healthcare providers, networks, and regulations. This local expertise can be invaluable when selecting a plan that offers access to the doctors and services you need in your area.
Overall, using a health insurance broker can simplify the process of enrolling in Obamacare, help you make well-informed decisions about your healthcare coverage, and provide ongoing support and advocacy throughout the year.
Benefits All Obamacare Policies have in Common.
Individuals with Pre-Existing
Under the Affordable Care Act (ACA), commonly known as Obamacare, health insurance companies are prohibited from denying coverage or charging higher premiums to individuals with pre-existing conditions. This provision ensures that individuals with pre-existing conditions have access to health insurance coverage and cannot be discriminated against based on their health status.
Preventive and Wellness Services and Chronic Disease Management:
Routine healthcare services designed to prevent illness and detect health problems early, including vaccinations, screenings, counseling, and management of chronic conditions like diabetes and hypertension.
Ambulatory Patient Services:
Outpatient care that you receive without being admitted to a hospital, such as doctor's office visits, diagnostic tests, and minor surgical procedures.
Emergency Services:
Treatment for medical conditions that require immediate attention, including emergency room visits, ambulance services, and care received in urgent care centers.
Hospitalization:
Inpatient care and services received during a hospital stay, including surgeries, medications, and other necessary treatments.
Prescription Drugs:
Medications prescribed by a healthcare provider to treat medical conditions, including both generic and brand-name drugs.
Maternity and Newborn Care:
Prenatal care, labor and delivery services, and postnatal care for both the mother and newborn, including breastfeeding support and newborn screenings.
Mental Health and Substance Use Disorder Services:
Diagnosis and treatment for mental health conditions, including counseling, therapy, and inpatient psychiatric care, as well as services for substance use disorders, such as detoxification and rehabilitation programs.
Rehabilitative and Habilitative Services and Devices:
Therapy and devices to help individuals recover from injuries, disabilities, or chronic conditions, as well as services to help individuals learn or improve skills needed for daily living.
Laboratory Services:
Tests and screenings ordered by a healthcare provider to diagnose or monitor medical conditions, including blood tests, urine tests, and imaging studies like X-rays and MRIs.
Pediatric Services, Including Oral and Vision Care:
Healthcare services for children under the age of 19, including well-child visits, immunizations, dental care, and vision care.
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