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What Every Florida Residents Need to Know About Obamacare

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, 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.

What Every Florida Residents Need to Know About Obamacare

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 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.

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Does Obamacare Cover Smokers?

This issue has been constantly argued. Smokers are questioning about the idea why do they need to pay higher rate of premium for the same coverage given to non-smokers. Well, this is due to the fact that smokers avail more of the coverage of specific health care plan. Smokers often visit healthcare institutions and avail countless healthcare services.

Under the Obamacare, smoking is not a pre-existing condition. So in order to be part of the negotiations of those with pre-existing conditions, insurance companies impose a requirement of about 50 percent much higher insurance plan rate than non-smokers. This high premium serves as a legal excuse for smokers not to avail any healthcare insurance.

Does Obamacare Cover Smokers?

However, for those who are living in Florida who wants to enroll in Florida insurance companies Obamacare, they can avail the insurance policy with the said higher rate. This high rate charge is provided so that smokers will try to consider stopping smoking. On the other hand, according to some experts this is not an effective means to encourage smokers from quitting.

If you are a smoker and you are under any of the Obamacare health care insurance plan, you are entitled of a 100% coverage on health care plans that aims to make you quit smoking. This is quite advantageous on your part if you also wish for the same. The Florida insurance rates under Obamacare may vary from state to state because there are some insurance companies that do not agree about expanding their health care insurance coverage.

Does Obamacare Cover Smokers?

The obamacare requirements for insurance are the following: If you are insured under employer health plan, or you are paying an individual insurance through exchange you will get a 100% paid for:

  • You will get the coverage for two tries per year to quit smoking. This attempt includes a four times counseling sessions and a period of 90 days of medications. The 90-day supplies of medications are all approved by the FDA. Most of the medications are over the counter but there are two which are prescription drugs.
  • The counseling session is either a group session, individual or phone based program through your employer while a one-on-one session is provided by a behavioral health specialist.

This healthcare plan is effective when combined. Medication alone will not treat the condition or vice versa. Therefore, if you want to effectively quit from smoking, you need to consider counseling sessions and medications all together. This may sound exhausting but every effort and time given is all worth it.

Though some insurance companies do not agree on catering this coverage, you can still find insurance health care companies that are willing to provide you with their coverage plan. You just need to go over the list of insurance companies and ask for the following information.

The obamacare coverage on smokers aims to make them quit from this vice. They want to provide affordable healthcare in order for Americans to have a healthier life. The obamacare act does not only benefit smokers but also those people with preexisting conditions and chronic illnesses.

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Interesting Facts about Obamacare in Florida

Obamacare is interesting in itself. What makes it remarkable is the fact that it provides a lot of benefits to all Americans when it comes to ensuring quality health care. Affordable Care Act or popularly known as Obamacare serves as a gateway for average and below average Americans to experience quality health care plan and services without having the need to pay for great sum of money which they cannot even afford in the first place.

Obamacare coverage in Florida

Just like any Obamacare coverage in other states, Florida insurance companies Obamacare also cater some of the coverage required. This coverage is more affordable perfect for those Americans who belong in the bracket of low income generating individuals.

Interesting Facts about Obamacare in Florida

How Much Does Obamacare In Florida Cost?

When it comes to the cost of coverage of Affordable Care Act in Florida, five factors can affect the rate. However, you can still avail Obamacare Florida low income.

Interesting Facts about Obamacare in Florida
  • The coverage level you choose – When it comes to Obamacare coverage, the people are given with four choices of coverage. These choices are call metal levels. This includes the platinum, gold, silver and bronze. All of these categories may vary in rate but you will receive the same necessary benefits which include hospitalization, prescription drugs, obamacare florida maternity coverage and the likes.
  • Whether you qualify for sponsorship – There are 3 factors which entitled you to qualify for a subsidy and eventually lower lessen the cost of your Obamacare premiums.
  • Affordable monthly premiums – You can avail a lower premium if you meet the requirement for a tax credit. Once you qualify for a credit, it will directly apply to your monthly premium so you will surely have instant cash.
  • Reduce out of pocket cost – If you qualify for eligibility, you will have a reduced payment for the out of the pocket cost. This includes copays and deductibles.
  • Secure coverage under Medicaid or Children Health Insurance Program – Those families with low incomes can benefit low cost premium through these programs.
  • Which part of Florida you are in – Your coverage rate may vary depending on where you live in Florida.
  • Your Age – The Obamacare requires insurance companies to enroll individuals who wants to avail insurance regardless of their age. However, some parts of the Florida insurance rates under Obamacare may vary depending of your age.
  • If you are a smoker or non-smoker – If you are a smoker, the Obamacare or Affordable Care Act entitles every insurance company to add additional charge on premiums for about 50% of the regular rate. The smokers will also not qualify any subsidies to pay off parts of their tobacco surcharge that will add monthly.
Interesting Facts about Obamacare in Florida

These are just some of the interesting facts you need to know about Obamacare in Florida. Actually, it has almost the same qualifications, requirements and coverages in most states. Obamacare or the Affordable Care Act aims for the same reason all over the states of America. It is to ensure that all Americans will have an easy access on quality health care. Health insurance companies are asked to widen their coverage, lower down their premiums and include countless preventive and curative services to those who are enrolled with the service. This act is indeed beneficial for everyone. Though there might be some Obamacare advantages and disadvantages but the benefits are most likely more evident.

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Obamacare Coverage and HIV/AIDS

We are used to the idea that health insurance companies do not cover people with pre-existing conditions with any type of insurance. This is quite devastating to those who really want to enroll to any of the said healthcare plans available. However, today, this issue has been addressed accordingly. The existence of Obamacare or known as Affordable Care Act has made it possible.

Some of the people that are greatly thankful for this new law are patients who are affected with chronic disease like HIV/AIDS. They are grateful that Florida insurance companies Obamacare as well as health insurance companies in other states all over America is now working under the Obamacare act. This means that insurers are not allowed to deny anyone who wants to enroll for a plan even he or she is suffering from an existing medical condition like Asthma, Cancer and HIV/AIDS.

For patients with HIV/AIDS, they are covered with the Obamacare law under the following ways:

Obamacare Coverage and HIV/AIDS

Continuous Improving Access to Coverage

  • People with pre-existing conditions are covered – today, people with preexisting conditions like cancer, HIV/AIDS and diabetes can get the care they need. Thanks to ACA, people with these conditions can now enroll to any health insurance companies they prefer without being denied or dropped from their coverage.
  • Affordable prescription medicines for Medicare patients – those that belongs to Obamacare Florida low income HIV/AIDS patients or other patients in other states can now worry no more when it comes to purchasing prescriptions drugs. HIV patients can now afford and be able to continue their medication. Those prescription drugs with covered brand names are discounted for about 50%.
  • Coverage that are more pocket friendly – the ACA requires all American to enroll to any qualifying health insurance companies. They even promoted Florida state exchanges Obamacare or marketplaces in any other states in order to give people a chance to compare health plans and be able to determine which among the savings they may qualify. Patients suffering from HIV/AIDs can benefit a lot from this given that their condition requires continuous care that might cost them much if they are not enrolled to any of the health insurance plan that are available.
Obamacare Coverage and HIV/AIDS

Assurance of Quality Health Care Coverage

  • Preventive Services – Under the existence of Affordable Care Act, people are now entitled for easy access on preventive services which includes HIV testing and other screenings. HIV testing is for everyone between the ages of 15 to 65 years of age. This coverage inclusion aims to make people learn if they are affected with this condition so that early diagnosis and prompt treatment will be given as soon as possible.
  • Comprehensive Coverage– the Obamacare act has included in the law that most health insurance companies should recommended essential benefits. These essential benefits should be covered by health plans that are offered in individual or in small groups of markets that are within or outside the health insurance marketplace. These include health services that will greatly benefit patients with HIV/AIDS. The services include affordable prescription drugs, lab tests, other services as well as devices needed to diagnose and manage the disease.
  • Coordinated Care For Patient with Chronic Conditions like HIV/AIDS – Some health care insurance companies recognize the law that values of the patient centered medical homes. These institutions provide quality health care that focuses on patients with complex chronic illnesses like HIV/AIDS. Because the institution aims to provide quality HIV care, they coordinated with countless medical specialties and support services. Thus, the Affordable Care Act authorized an optional Medicaid State Plan benefit for different states to establish health homes to manage care for Medicaid beneficiaries with ailments like HIV/AIDS.

Obamacare or the Affordable Care Act has greatly provided chances for more people to quality health care. This is also a good opportunity for people with chronic illnesses like HIV/AIDS to receive affordable, continuous quality treatment to sustain a longer life. HIV/AIDS may not be curable but at least as long as the patient has the chance to live, they are entitled to receive the best care possible.

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