Services Covered Under Obamacare and the ACA (Affordable Care Act)

The Affordable Care Act provides several benefits to those who have health insurance. These benefits include the following:

 

  • The amount of health insurance used can’t be limited
  • Certain Health Insurance coverage cannot be restricted
  • An insurance company can’t deny someone who is chronically ill
  • Wellness and pregnancy exams are free and without a co-payment
  • Health insurance companies can’t raise premium rates without state approval
  • Children up to the age of 26 can be added to their parent’s health insurance plan
  • A person can’t be denied health insurance because of their pre-existing conditions
  • Health insurance companies can’t drop someone from the plan because they become ill
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What is Covered By Obamacare?

All Health Plans Must Be ACA Qualified

A Qualified Health Plan, or QHP, is a health insurance plan that provides coverage for the 10 essential benefits outlined in the 2010 Affordable Care Act. What are “Essential Health Benefits” and who must have them? From 1/1/2014 and forward, all new health insurance plans (insured small group and individual health insurance plans) must cover the 10 bulleted benefits below called “Essential Heath Care Benefits” to qualify as being an ACA plan (Obamacare). Qualified Health Plans MUST cover these 10 items without any lifetime or annual limits on these “Essential Health Benefits.”

 

Essential Benefits Included in the Affordable Health Care Act

  • Prescription Drugs
  • Laboratory Services
  • Maternity and Newborn Care
  • Hospitalization (for surgeries and overnight stays)
  • Rehabilitative and Habilitative Services and Devices
  • Pediatric Services (including dental and vision care)
  • Preventive and Wellness Services and Chronic Disease Management
  • Emergency Services (including services provided at an out-of-network hospital)
  • Ambulatory Patient Services (clinics, doctors office, same-day surgery centers, etc.)
  • Treatment for Mental Health and Substance Abuse Disorders (counseling services and psychotherapy)
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These essential health benefits are the minimum requirements for all Marketplace ACA (Obamacare) plans. They are broad categories, and the specific services that are covered vary from one state to another, depending on what that state requires.

In addition to these requirements, Qualified Health Plans must also comply with limits regarding your cost-sharing expenses (your out-of-pocket expenses) including deductibles, co-payments and annual out-of-pocket limits.​

 

Preventive Services Covered

Preventive services are covered under the Affordable Care Act at no cost to the insured. This means there is no co-payment or deductible. There are specific services provided for all adults and specific benefits provided to women and children.

All adults can receive screening for certain cancers or diseases such as Hepatitis B & C and HIV. Screenings for things such as diabetes, high cholesterol and high blood pressure are also offered. Adults that are at a high risk for chronic disease can receive diet counseling. If you are depressed, you can be screened for that as well. Also, vaccinations are offered at no cost to all adults.

 

How Getting Married Affects Your Health Insurance

How Getting Married Affects Your Health Insurance

Getting married means lots of conversations about combining everything from last names to bank accounts. While picking a health insurance plan that covers both of you may seem practical, there are cases in which maintaining separate policies makes more sense.

How to Save Money on Prescriptions

How to Save Money on Prescriptions

If you are among the 55 percent of Americans that are taking a prescription drug, you may be concerned about the affordability of medication therapy. Fortunately, there are a couple of things that you can do to ease the financial burden.

Have You Recently Lost Medicaid Health Insurance?

Have You Recently Lost Medicaid Health Insurance?

If you are currently on Medicaid, there are some scenarios in which you may soon be at risk of losing your coverage. Knowing your options can help ensure that you do not have a gap in health insurance coverage.

Health Insurance Quotes

1). By Phone

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2). Online Quote
3). In Person

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Services For Women

Because women’s health care needs are unique, some of the most common preventive services that are offered to women include:

  • Contraception
  • Anemia screening
  • Screening for syphilis
  • Screening for gestational diabetes
  • Breastfeeding counseling and support
  • Folic acid supplements for pregnant women
  • Urinary tract infection screening and screening for other infections
  • Tobacco use intervention and counseling for pregnant women who use tobacco​
  • Prevention and screening for pre-eclampsia for women who are pregnant and have high blood pressure
  • Rh incompatibility screening for pregnant women and follow-up screening for those who are at high risk

 

The Affordable Care Act also covers other specific preventive services for women who are at a higher risk for certain conditions, such as breast cancer.

 

 

 

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Services for Children

A variety of preventive services are available for children. Some of these include:

  • Immunizations
  • Autism screening
  • Depression screening
  • Behavioral assessments
  • Newborn blood screening
  • Oral health risk assessment
  • Hearing and vision screening
  • Screening for a variety of diseases including HIV and Hepatitis B
  • Development screening for children younger than three years old

 

Let Nevada Insurance Enrollment Guide You

When choosing a health insurance plan, be sure to speak with a local, licensed health insurance agent who studies and understands Nevada health plans. This will ensure you choose a health insurance plan that best fits your needs and your budget.

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How Many Hours Can You Safely Drive?

If you are not accustomed to spending hours per day in your car, it can be difficult to determine how quickly you should aim to reach your destination.

Safety Tips For Driving In The Rain

In Las Vegas, roads are particularly slick at the beginning of the storm. That is because they are built without a drainage layer. Dust, oil and grime collect on the surface of the road. When it rains and these mix with water, the dirt settles to the bottom and the oil rises to the top, creating a very slick surface.

Understanding Motorcycle Insurance

If you ride a motorcycle, then you need an insurance policy that protects you and your investment. Understanding what coverage is available and even more importantly, what coverage is legally mandated, can ensure that you enjoy your bike for years to come.

Buying a Used Car From a Private Seller

The vehicle’s history report includes information such as its previous owners, open recalls and damage, accidents, repairs, maintenance history, and odometer readings. If you are buying the vehicle from a dealership, then they will probably provide you with the report if you ask for it.