If you are not concerned with or do not qualify for premium subsidies from the Federal Government and you will not need or use the “essential health benefits” that are mandatory in all health insurance policies for 2014 you might save money by purchasing your health insurance off the “Exchange”
To find out more start your research at http:www.healthcare.gov this is the “Official” website for the health insurance market place. I would recommend ONLY do the preliminary steps – do not complete or start a application. Look around at plans that are available in your area. Find a plan with benefits that you may want and need. Now go to http://www.123insurME.com run health insurance quotes that are compatible to the plan or plans from the “healthcare.gov” site.
Do a comparison of benefits. To make things easier for you to compare. Print off all plan benefits,
Use a hi-liter to mark the benefits that you NEED and or WANT on your health insurance policy.
If you use different color hi-liters the core benefits will stand out.
If you do not need certain “essential benefits” that are mandated in all of the policies from “healthcare.gov” run quotes without those benefits from www.123insurME.com. Now you’re ready to compare monthly premiums.
Remember “all of the insurance in the world will do you NO GOOD if you can’t afford to use it, so pay special attention to the “Maximum Out Of Pocket Expense” on each policy you’re considering. The Maximum out of pocket is the maximum amounts that you are responsible to pay out of your own pocket during each benefit year.
If you have questions or would like to make a statement please email them to Randy.
I will provide you with the answers and or reply to your statements within 12 hours.
Essential Health Benefits of The Affordable Care Act.
All private health insurance plans offered in the Marketplace will offer the same set of essential health benefits. These are services all plans must cover.
The essential health benefits include at least the following items and services:
Ambulatory patient services (outpatient care you get without being admitted to a hospital)
Hospitalization (such as surgery)
Maternity and newborn care (care before and after your baby is born)
Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
Preventive and wellness services and chronic disease management
Essential health benefits are minimum requirements for all plans in the Marketplace. Plans may offer additional coverage. You will see exactly what each plan offers when you compare them side-by-side in the Marketplace.
Learn more about how the Health Insurance Marketplace works, the kinds of plans available, and the four categories of coverage.
To Your Health,
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National Producer No. 6553301
Free Insurance Quotes: www.123insurME.com
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Prayer for Decisions
The Serenity prayer
God, grant me the serenity to accept the things I cannot change,
The courage to change the things I can, And the wisdom to know the difference.
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