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ACA101: What to Expect?



Five years ago, President Obama signed the landmark Affordable Care Act into law. Since then, the law that’s come to be known simply as “Obamacare” has survived a Supreme Court challenge, stumbled through a rocky website rollout, weathered massive political misinformation campaigns, withstood dozens of repeal attempts, and ultimately extended health care to millions of Americans who used to be uninsured. But even after five years under Obamacare, widespread misperceptions remain about what exactly the law does.

First and foremost, Obamacare is designed to help lower the rate of uninsured people that receive care in hospitals and can’t afford to pay cause in the United States. In response, medical care costs and health plan premiums move higher for everyone else. Having more people insured allows insurers to spread their expenses over a greater swath of the population, which can in turn help keep medical cost inflation low. The more short-term effect, however, is giving more Americans access to medical care should they need it.

The long-tail goal of Obamacare is to help control the inflation rate of medical cots. If more people are insured, and those people take advantage of their coverage by visiting their primary care physician somewhat regularly, then there’s a chance that PCPs will catch chronic diseases ahead of time, before they become costly later-in-life problems for the consumer and insurer.

And that’s why Healthcare Enrollment USA is here for us. It is an insurance agency compiled of licensed agents all across the United States. They help thousands of people enroll in affordable health plans every year to avoid tax penalties. They give free quotes on available plans for us to get the coverage we deserve. And they provide free enrollment assistance for a qualified health plan. All at no charge for their services.

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Health Insurance Is Life Insurance



Like auto insurance, health insurance is a service you pay for but hope you will never need. It’s there for the unpredictable, unexpected and fundamentally uncontrollable problems that come up in people’s lives. Most consumers want and value health insurance, but they can’t afford the coverage or have been shut out from the marketplace because they have pre-existing medical conditions.

Investing in insurance means investing in your quality of life. Having insurance can pay for preventive treatments to treating illnesses. And that’s why Healthcare Enrollment USA is here for us. It is an insurance agency compiled of licensed agents all across the United States. They help thousands of people enroll in affordable health plans every year to avoid tax penalties. They give free quotes on available plans for us to get the coverage we deserve. And they provide free enrollment assistance for a qualified health plan. All at no charge for their services.

Think of how automobile insurance is required in each state. Personally speaking in some cases it is a rip off but it is an investment in your purchase. If someone steals your car or you wreck it you want a new one right away, the best way to acquire a new one or at least get the old one fix is by having the right insurance on your car. The same goes for health insurance. Do your research, figure out what is best for you and your family and make wise decisions. Nothing stays the same forever so if you have good health now that does not mean something will not go wrong. You want to be covered when it does. Preventive care helps and it may prolong the need for insurance but there is nothing better than knowing you are fully protected.

 

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HMO vs. PPO: Which is Which?



Choices are usually good, but they can be tough, especially when it comes to something as complex as your health insurance. For instance, figuring out if you’re better off picking a health maintenance organization, or HMO, rather than a preferred provider organization, or PPO, insurance plan can be downright confusing if you don’t know the key differences between the two options.

Health maintenance organizations (HMOs) cover only care provided by doctors and hospitals inside the HMO’s network. HMOs often require members to get a referral from their primary-care physician in order to see a specialist while preferred provider organizations (PPOs) cover care provided both inside and outside the plan’s provider network and members typically pay a higher percentage of the cost for out-of-network care.

Obviously, the choice depends on your particular needs. PPOs tend to be more flexible, but HMOs are generally less expensive. Because you don’t need to get a referral before seeing a specialist, you might prefer a PPO if you have a medical condition that requires specialized care. But if ongoing out-of-pocket costs are a major concern, an HMO may be a better choice–there are no deductibles, and co-payments are typically lower.

That’s why Healthcare Enrollment USA is here for us. It is an insurance agency compiled of licensed agents all across the United States. They help thousands of people enroll in affordable health plans every year to avoid tax penalties. They give free quotes on available plans for us to get the coverage we deserve. And they provide free enrollment assistance for a qualified health plan. All at no charge for their services.

Health insurance is a complicated decision. There’s no sugar coating in that but it’s important for people to know that there is help available to them.

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Insurance Dilemma



Our health care system is literally losing patients, from errors, accidents and infections in hospitals alone, not to mention the mortality and suffering from millions of procedures that never needed to be done in the first place. At the same time, the employers and other purchasers paying for this care are losing patience with the slow pace of change in cleaning up the mess.

A health insurance agent or broker can save you time and money, whether you’re an individual seeking coverage or a business owner shopping for the best medical plan for your employees. Which is right for you? It depends. An agent representing a carrier directly may be able to offer you a lower rate, easier plan changes and a closer relationship with the insurer. A broker, on the other hand, may be able to find you a better fit by combing the market.

 

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