Find a Health insurance agent in La Quinta Now – Health Insurance is now Mandatory!
Health insurance includes numerous health related costs and protects you from spending too much money in health care expenses. Health care insurance is usually a contract between you and the insurance company; it involves obtaining a health plan, where the company commits to pay a part of the medical costs when you are injured or get sick.
The advantages that come with Health Insurance far over-shadow 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 offering affordable health coverage to more Americans, in addition to minimizing the expense of health care spending. Rules developed under the Health Insurance Market Reforms include; guaranteed availability of coverage, single risk pool, and catastrophic plans, guaranteed renewability of coverage and governed insurance premiums.
- The guaranteed availability of coverage rules were developed to prohibit the issuers from denying 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 requires issuers under the small and individual group industry to change the premiums based on factors like age, tobacco usage, geographical region and family size.
- Guaranteed renewability of coverage rules are designed to reaffirm the existing safeguards that individuals and businesses have in respect to coverage renewals.
- The catastrophic plans, alternatively, attract low premiums, include recommended preventative programs without cost sharing and safeguard the policy holders against high out-of-pocket expenses.
Finding a Health insurance agent in La quinta
For companies, health insurance brokers play a vital role in helping small employers to find the most cost effective health coverage for their employees and their relatives. The market for brokers in the health care market is slated to grow because many people will get heath care coverage for the first time.
- 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 right plans that are affordable and meet their needs.
- Thirdly, a lot of small businesses will also be buying 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 businesses will need assistance to browse the complex world of health care reforms.
There is Competition Between La quinta Health Insurance Companies
Several research studies have demonstrated 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 expense of premium in new areas. The safeguards in the Just Us Care Act mandate health insurers in each state to publicly justify any increases in premium rates of 10 % or more. This means 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 La quinta 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 La Quinta or small business coverage, please contact Just Us Insurance today.
