How Can ACA Insurance Help Me?

How Can ACA Insurance Help Me?

No one plans to get sick or hurt, but at some point, it happens to us all. Then, if the illness or injury proves severe, and your health is slow to improve, costs add up, and quickly. Going without health insurance can leave you and your family on the hook for huge medical bills, putting you at risk of overwhelming financial burden, sometimes even bankruptcy.

So ask yourself: You buy insurance for your car, your home, maybe even your cell phone, but what good are any of those things if you haven’t protected your own health, and the health of your family? What good if you end up too broke from medical expenses to be able to pay for anything else?

It happens to people way too often.

Any health-insurance plan you choose through the Affordable Care Act (ACA) Health Insurance Marketplace is required by law to provide “essential health benefits.” These include doctor visits, hospitalizations, prescriptions, maternity and infant care, mental health, and more. Not to mention that with an ACA plan, many preventive services are covered outright, at no cost to you.

Key Benefits of Having ACA Insurance

    • All ACA health-insurance plans are required to offer essential health benefits
    • Financial assistance is available to most people to help pay insurance premiums
    • Most preventive care is free
    • You can’t be turned down for having a pre-existing condition
    • Young adults under the age of 26 may stay on their parents’ health plan
    • Policies cannot be cancelled because of illness
    • The costs and benefits of each plan have to be explained in easy-to-understand language — with no fine print
    • Application assistance for Health Insurance Marketplace plans is available to you, for free, from trained Certified Marketplace Navigators:
        • Call 1 (877) 755-5438 with enrollment questions
        • Call 1 (855) 733-3711, or click here, to set up a free in-person appointment with a Navigator in your area

What Your New Insurance Is Required to Cover

    • Prescription drugs
    • Mental health, addiction treatment, and behavioral health services (including counseling and psychotherapy)
    • Emergency services
    • Hospitalizations
    • Hospital care where you’re not admitted to the hospital
    • Laboratory services
    • Rehab services
    • Pregnancy, maternity, and newborn care (care before and after your baby is born)
    • Pediatric care
    • Free preventive services, such as:
        • Vaccinations
        • Cholesterol screening
        • Blood-pressure screening
        • Colorectal cancer screening
        • Mammograms
        • Pap smears