Find a Health insurance agent in Fontana Right Now – Health Insurance is now Mandatory!
Falling sick or getting hurt are part of everyday life, as such it is essential to have medical assistance or support at some time in life. Health insurance covers various health related costs and protects you from spending excessive money in health care charges. Health care insurance is usually a contract between you and the insurance company; it involves getting a health plan, where the company commits to settle a portion of the medical expenditures when you are disabled or get sick. The insurance plan is usually divided into several parts such as; Premium, Deductible, Co-payment, Co-insurance and Maximum out of pocket.
The advantages that come with Health Insurance far outweigh the risk of going to the Emergency Room or Hospital without Health Insurance.
How can Obama Care Help You?
The Obama Care healthcare plan for America or the Just Us Care Act is geared towards providing affordable health coverage to more Americans, in addition to decreasing the costs of health care spending. Rules devised under the Health Insurance Market Reforms include; guaranteed availability of coverage, single risk pool, and catastrophic plans, guaranteed renewability of coverage and controlled insurance premiums.
- The guaranteed availability of coverage rules were devised to prohibit the issuers from rejecting coverage to people because of pre-existing conditions.
- Single risk pool requires the insurance issuers to maintain a statewide risk pool for every small employer or individual market.
- The fair health-insurance premiums rule calls for issuers under the individual and small group markets to change the premiums based on factors like age, tobacco usage, geographical locale and family size.
- Guaranteed renewability of coverage rules are designed to reaffirm the existing safeguards that individuals and companies have in respect to coverage renewals.
- The catastrophic plans, conversely, attract low premiums, pay for recommended preventative options without cost sharing and protect the policy holders against high out-of-pocket expenses.
Finding a Health insurance agent in Fontana
For businesses, health insurance brokers play a vital role in assisting small employers to find the most cost effective health coverage for their employees and their relatives. Because many consumers will buy heath care coverage for the first time, the market for brokers in the health care sector is slated to grow.
- Brokers are expected to help these consumers by helping them to better comprehend their options and make more informed decisions.
- Due to anticipated changes, brokers will play a key role in assisting customers to find the perfect plans that are affordable and meet their needs.
- Thirdly, a lot of small businesses will also be procuring healthcare benefits for the first time. This means that insurance brokers will be at the forefront of advancing the coverage benefits to small group markets.
- The other advantage to using brokers is that most small companies will require assistance to get through the complex world of health care reforms.
There is Competition Between Fontana Health Insurance Companies
Several research studies have revealed that healthy competition among insurers providing health care coverage via the federal exchanges established through the Just Us Care Act has been at the forefront of pushing down the cost of premium in new areas. The safeguards in the Just Us Care Act demand health insurers in each state to publicly justify any increases in premium rates of 10 % or more. This indicates that health insurance companies have to spend more on health care improvements or on incentives such as rebates for the benefit of the policy holders. The medical loss ratio or 80/20 rule promoted under the act has already saved millions of consumers a lot of money in premium expenses.
Choose Just Us Insurance in Fontana For Your Health Insurance Needs
The categories covered are calculated to help families with their health insurance needs at reasonably affordable rates. The category of services targeted under the affordable care act include; ambulatory patient services, laboratory services, mental health services and addiction treatment, emergency services, maternity and newborn care as well as prescription drugs and pediatric services, chronic disease treatment and wellness services.
If you are trying to find personal healthcare coverage in Fontana or small business coverage, please contact Just Us Insurance today.
