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Healthcare Reform Facts &
Frequently Asked Questions

1. What are bronze, silver, gold and platinum healthcare plans?

As part of the affordable health care act, all health insurance plans with effective dates of 01-01-2014 or later will have to fall into one of these very high standard classes. As you would expect bronze plans are your least premium cost and platinum the most, silver and gold fills the gap in the middle.

Having been in the insurance business for many years, I consider all plans to be very good choices. All plans have an annual cap on your out of pocket medical expenses, and all plans include the new 10 essential benefits.

2. Can I really have Zero Premium health care plan?

Yes it is possible for some that qualify for enough subsidy assistance. For example your subsidy will be based on a silver plan, however you can buy a bronze plan and in some cases this will create a Zero Premium health insurance plan.

3. Who gets the subsidy payment?

Subsidy payments are sent directly to the insurance carrier. The subsidy amount is then credited to your account.

4. What are the new 10 Essential Benefits?

  1. Hospitalization
  2. Ambulatory (Outpatient)
  3. Maternity and Newborn Care
  4. Mental Health and Substance Abuse Sevices
  5. Preventive and Wellness Services
  6. Rehabilitative Services
  7. Pediatric Services
  8. Prescription Drug
  9. Emergency Services
  10. Laboratory Services

5. Can I choose my own Doctors?

Yes you can make those personal choices, just check your network.

6. Can I be turned down?

No, not during the open enrollment period regardless of your health condition, or even throughout the entire year if you meet one of the qualifying events.

7. Who do I call if I have more questions?

Call our toll free number with any questions or concerns that you have.


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