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Pentad78Prism

Obamacare vs Private Insurance

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I am a 215 licensed agent in Florida.  Currently I am appointed with National General and United Health Care.  I help people with health insurance over the phone.  I often get into conversations about whether someone should go to Obamacare or get a plan that I offer.  I tell them that an Obamacare plan has pros and cons.  Like Medicare supplements, any insurance company can offer an ACA plan as long as it is in compliance with ACA standards.  That's where the 10 essentials come in, and the major upside of going with Obamacare. From wikipedia;

 

The 2010 Affordable Care Act (ACA) set forth the following ten categories of essential health benefits,[2][3][4] at Section 1302(b)(1) of the ACA, codified at 42 U.S.C. § 18022(b):[5]

  1. Ambulatory patient services. [outpatient care]
  2. Emergency services.
  3. Hospitalization. [inpatient care]
  4. Maternity and newborn care
  5. Mental health and substance use disorder services, including behavioral health treatment.
  6. Prescription drugs.
  7. Rehabilitative and habilitative services and devices.
  8. Laboratory services
  9. Preventive and wellness services and chronic disease management;
  10. Pediatric services, including oral and vision care.

 

     This makes an ACA plan look great right?  However, those plans have very limited networks, often super high deductibles, and high premiums if you do not qualify for an income based reduction.  Aside from that, why else would someone choose a private company like NatGen with a short term 3 month plan or a indemnity plan?  Usually because they do not need all the 10 essentials, and they can save money getting a policy more suited to the individual (or family).  For example, if you are a 40 year old married couple with no history of drug or alcohol abuse and no mental health problems, why would you need mental health covered by your insurance?  If you are a single man who wants health insurance, why would you want to pay extra for maternity care?  With private insurance, a healthy individual can save money on premiums, and still have the peace of mind that good insurance brings.  

 

     

 

 

 

 

 

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With conventional insurance coverage you get what a client can afford.....

 

If one could afford the top obamacare coverage why would there be any need for supplemental coverage?

 

ObamaCare is still conventional 

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Reagan destroyed mental health and rehab services. He went from mental health facilities to jails for treatment. No wonder suicide rates are rising.

 

Roast in hell ronnie!

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On 4/1/2018 at 9:43 AM, Pentad78Prism said:

I am a 215 licensed agent in Florida.  Currently I am appointed with National General and United Health Care.  I help people with health insurance over the phone.

 

With private insurance, a healthy individual can save money on premiums, and still have the peace of mind that good insurance brings

 

Yeah.....just like those handy/dandy Adjustable Rate Mortgages, 'cause.....what's the WOR$T that could happen????

confused-and-unsure-smiley-emoticon.gif

 

 

Single-Payer; SIMPLER Is BETTER!!

March 11, 2017

 

 

The Fight For Medicare In Saskatchewan

....Where the Right-Wing fairy-tales about Socialism have already been vaporized.

 

 

The (Actual) Customer's ALWAYS Right!!!

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There was a time when having insurance was just a matter of having a job.  Most employers provided attractive and economically affordable insurance for all employees.  But those were the days when America was a blossoming country.  That kind of prosperity is long gone! When insurance was readily available, it wasn’t necessary to have national health insurance.  Those were the days when freedom was real and gov’t controls did not strangle our economy with so much red tape.  I agree with national insurance only because we have destroyed our economy and like it or not it will eventually be unavoidable.  We only have ourselves to blame!

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