There are many questions asked related to Obamacare and if you are one of those people who have not yet cleared your mind about this healthcare program, you have to know the Obamacare Florida pros and cons. The specifications of the program may vary from state to state so if you are living in Florida, you have to make sure that you know the rules or guidelines imposed in your state.
You may ask if you are legally required to obtain this health insurance and the answer is yes, but of course there is always an exemption. Obamacare is also termed as Affordable Care Act and unless you qualify for an exemption, you are required to get this insurance. Consult with the Obamacare office in your state to know if you are entitled for an exemption.
Apparently, the enrollment for Obamacare for 2015 has ended already but if so happen that you qualify for the special enrollment, still you can avail of the program when the open enrollment starts on the 15th of October 2015. In HealthCare.gov, you can see additional information if you want to clear out if you still have the chance to avail the health insurance.
There are various affordable health care plans that you can choose from and you can shop for one from the state marketplace. Always remember that you have to get one that suits your needs. Not only that because you may also apply for subsidy to save more cash. If you are one of those people who want to get Obamacare but want to save money at the same time, you can get it via tax credits, which will pave your way to attain lower premiums.
Moreover, there are people who want to retain their doctors in Florida the moment they register for Obamacare. You have to know that this is only possible if your physician accepts your insurance carrier. This is because there are many insurance agents in the place and you have to make sure that the doctor you want agrees your insurance provider.
There are four health care plans that you can sign up with under the Florida insurance companies obamacare and these are: Bronze, Silver, Gold, and Platinum. Every plan differs in the cost. The higher the level, the greater the monthly premium will be.
In Florida, even if you have a pre-existing condition, you can still be eligible for Obamacare. No one is going to be denied with this insurance no matter the health stats of the person. Also, seniors can avail additional benefits when they enroll with the Affordable Care Act. To name one, they get regular discounts on the prescribed medications.
How to sign up for this? The program is made easily available for all. You can do it even while at home by calling 1-(800)-318-2596 and talk with an agent. On the other hand, you can visit local.healthcare.gov and enroll there. Paper application is also available by just filling it up with the needed information and mails it.
Here are other facts about the Affordable Care Act:
- This is certainly not an insurance company but a government mandate.
- Not unless a person reaches the age of 26, he can still stay on his parents’ insurance.
- Pre-existing conditions is never a cause for the denial of health benefits.
- Annual or lifetime limits do not exist in the Affordable Care Act.
- Qualified citizens can now take advantage on the free preventative care treatments, which are known to be very costly before.
- Prescription medications are discounted for senior citizens.
- Do not confuse Obamacare with Medicare or Medicaid.
- Immunizations, yearly checkups, and counseling are some of the free services offered by the Affordable Care Act.
- You can choose for certain options in case you can’t afford to pay for the insurance.
- There is a 15-day rule on the reception of the insurance. If you signed up for the insurance on January 15, then you can receive it on February 1 of the same year.
The above-mentioned are the most important information that you should know about Obamacare or the Affordable Care Act. Make sure you clear your mind out before deciding for the insurance. Just remember that this is created to help people.Leave a Comment