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The Affordable Care Act provides several benefits to those who have health insurance. These benefits include the following:
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.”
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 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.
There has been considerable controversy in recent months about whether the Affordable Care Act is causing employers to shift towards a part-time workforce.
We HIGHLY recommend you double check that your physician will take the Nevada Health COOP plan you are enrolling into.
Those who gained coverage made 40 percent more visits to the emergency room than their uninsured counterparts during their first 18 months with health insurance
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Because women’s health care needs are unique, some of the most common preventive services that are offered to women include:
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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A variety of preventive services are available for children. Some of these include:
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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