Love your current health plan? Keep it!
For those Americans who already have health insurance, the only changes you will see under the law are new benefits, better protections from insurance company abuses, and more value for every dollar you spend on health care.
If you like your plan you can keep it and you don’t have to change a thing due to the health care law.
Consumer Rights and Protections. (It’s now against the law for health insurance companies to eff with your health & your wallet).
In the past, insurance companies could take advantage of you. They could deny coverage to children who had asthma or were born with a heart defect, put a lifetime cap on the amount of care they would pay for, or cancel your coverage when you got sick just by finding an accidental mistake in your paperwork.
The Affordable Care Act creates a new Patient’s Bill of Rights that protects you from these and other abusive practices.
-End to pre-existing condition discrimination
-End to limits on Care
-End to coverage cancellations
More Affordable Coverage
The law helps you by bringing down health care costs and making sure your health care dollars are spent wisely.
Insurance companies will now be accountable to their customers for how they are spending premium dollars, and how much they are raising rates.
Plus, the new law will help lower costs through new tax credits and new marketplaces where insurers will have to compete for your business.
–Value for your premium dollar: Thanks to the Affordable Care Act’s 80/20 rule, if insurance companies don’t spend at least 80 percent of your premium dollar on medical care and quality improvements rather than advertising, overhead and bonuses for executives, they will have to provide you a rebate.
In 2012, 8.5 million people received half a billion dollars in refunds.
-Stopping unreasonable rate increases
-Small business tax credits
Better Access to Care
-Free prevention benefits
–Coverage for young adults: Under the law, most young adults who can’t get coverage through their jobs can stay on their parents’ plans until age 26 – a change that has already allowed 3.1 million young adults to get health coverage and given their families peace of mind.
-Affordable Insurance Exchanges
You have until March 31st, 2014 to get coverage. If you can’t afford coverage, there are fee waivers and subsidies to help you get covered.
If you are in Dire Straights and need to be covered ASAP: Make sure to get insured by December 15th, 2013. Your coverage will kick in on January 1st, 2014.
Around a year from now the penalty for not having coverage will be $95.00. Put aside $8.00/month for twelve months and you have your penalty fee if for some strange reason you don’t wish to have healthcare coverage.
If you are low-income, will have hardship etc in paying for health insurance, as I said, you can qualify for waivers and/or subsidies. Ask about that when you sign up/apply.
4 Ways To Get Covered:
1. By Phone: Call 1-800-318-2596. Remember to ask about ways to pay for coverage/get covered if you have financial hardships.
2. The Healthcare Dot Gov website. Follow the easy directions. There is also a Live Chat feature if you need help.
States that have their own exchanges/websites:
California, Colorado, Connecticut, District of Colombia, Hawaii, Idaho, Kentucky, Maryland, Massachusetts, Minnesota, Nevada, New Mexico, New York, Oregon, Rhode Island, Vermont, Washington.
Scroll down THIS LINK and find the chart that has your state’s website link, if you live in any of the above listed states. Use that link to apply and get covered. In Utah if you are a small business owner there is a link for you to use as well.
3. In Person. You can use Local Help Dot Healthcare Dot Gov site to find inperson help in your area. Your local Walgreens, RiteAid and CVS pharmacies can give in person help to you as well.
Truly Scary Story:
The other day one of my neighbors mentioned how he didn’t want to go to jail because of Obamacare. He was a tad incoherent, but I’m patient when it comes to these sort of things, so I finally was able to coax out of him what on earth he meant.
I believe he was referring to the everyone must have coverage or suffer the $95.00 penalty thing. Which doesn’t even kick in until somewhere in 2015. And also, nobody is going to be put in jail if they don’t have coverage.
I’ve owed the government (The IRS) $75.00 for the past oh five or six years I think it is. They once or twice a year (around April usually) send out a snail mail bill asking me to pony up the cash.
I haven’t paid due to that wonderful mix of being too broke, not paying on principle (H&R Block did my taxes so IRS is in error according to me), forgetting to pay or appeal, last on my list of stuff that needs paying or dealing with etc.
I haven’t been jailed yet, and that’s the IRS!
I calmed my neighbor’s fears and told him the facts of the matter, and it is funny because, he, like me already has healthcare – Medicare – which in AZ they automatically give you when you qualify for disability.
The scariest thing is to not have health insurance. The scariest thing is to have a medical emergency and not be insured. The scariest thing is to let misinformation and outright lies deter you from getting you and your family affordable awesome coverage and healthcare.
Especially now when it is in your grasp if you haven’t been able to afford it before, been unable to get covered due to pre-existing, or simply want to cover your family without going broke doing it.
BOO! EEK!! AHHH!!
Recommended: Obamacare FACTS.