Ten Reasons to Enroll in Obamacare

The Affordable Care Act (ACA), popularly known as Obamacare, offers individuals with modest incomes the ability to access quality health insurance subsidized by the federal government. This legislation established a marketplace where insurance companies are required to provide a minimum set of ten essential benefits.

What Does Quality Insurance Mean?

Quality insurance means that those insured under Obamacare receive the same services as those with high-cost private insurance. Even if enrollees pay as little as $0 to $10 per month, the actual premiums for these plans exceed $620 per month, with the federal government covering the difference directly with the insurer.

ACA medical plans also provide preventive care at no additional cost, promoting early disease detection. For this reason, there are no copays for tests like colonoscopies, cholesterol screenings, type B diabetes tests, hepatitis, depression, and HIV tests, among others.

Essential Benefits Covered by ACA

1. Laboratory Tests at No Extra Cost
   Tests needed to diagnose illnesses are covered by the insurer, not the patient.
2. Special Coverage for Pregnant Women and Newborns
   Treatments and care for pregnant women and their babies are considered preventive care and incur no additional costs.
3. Dental and Vision Coverage for Children
   Minors can also stay on their parents’ insurance until the age of 26.
4. Coverage for Pre-existing Conditions
   Insurers cannot deny, increase costs, or refuse coverage to individuals with pre-existing health conditions.
5. Mental Health and Addiction Treatment
   All plans must include coverage for mental health treatments, therapies, and addiction to substances like alcohol or drugs.
6. Rehabilitation and Essential Medical Equipment
   If a policyholder suffers a fracture or injury, the insurer must cover the necessary devices for recovery. They must also provide equipment for treating chronic illnesses such as multiple sclerosis.
7. Prescription Drug Coverage
   ACA requires plans to include a list of prescription drugs that covers at least one medication in each category.
8. Financial Protection for Hospitalizations
   Policies protect enrollees from the high costs of hospital stays or necessary surgical procedures.
9. Comprehensive Family Coverage
   Enrolling in an Obamacare plan allows the entire family to access quality health insurance at affordable rates.
10. Economic Support for Premiums
    Those who qualify for subsidies pay only a fraction of the insurance’s actual cost, ensuring that any family with moderate income can obtain coverage.

Don’t Miss This Opportunity

Protect your health and your family’s well-being with quality insurance backed by the federal government. The opportunity to obtain subsidized health insurance ends on January 15.

Call Univista Insurance today and choose the plan that best suits your needs.