Let’s Talk About Health Care Reform

january1How will health care reform change things?

january 1The federal health care law known as the Affordable Care Act brought many changes, especially for people who didn’t have health insurance.

Starting January 1, 2014, most people needed to have health care coverage. This is part of the individual mandate, the requirement by the government that individuals buy health insurance.

Those who do have a health care plan will have to pay a new tax. However, don’t forget that you may be able to get help from the government to pay for your health plan.

doctor 140x140What is health insurance?

Everyone needs health care at some point. Sometimes it can be expensive, which is why health insurance exists: to pay a large part of the cost when you need it.

Health insurance pays part of your costs for doctor or hospital visits, prescription drugs, tests, maternity care and other health services you may need. This is called health care coverage.

It helps protects you from high costs when you need medical care, while most health care plans also have wellness (or preventive) services to help keep you healthy – like annual check-ups, mammograms and vaccines – at no extra cost.

So how does health insurance work? Your health insurance plan is a contract between you and your insurance company. You pay a monthly bill called a premium for the health plan and the insurance company agrees to pay part of the cost for covered medical services. If you go to a doctor on your insurance company’s preferred list, you will usually pay less for services.

Are there different kinds of plans?

coinsTo provide greater choice, there are plans of varying cost and coverage. These are indicated by four levels: bronze, silver, gold and platinum.

These plans will all offer coverage for the same essential health benefits, with different out-of-pocket costs for things like doctor or hospital visits and different premiums.

One other option, called a Catastrophic Plan, is only for single people under age 30, or people who qualify through financial hardship. Catastrophic Plans cost less money, but have fewer benefits. They include preventive benefits, but don’t cover as much when you are sick and usually have high deductibles.

866.689.6442

Request a Free Quote!

Please fill out the form below to receive your FREE QUOTE from NHIA via return email.

Please type your full name.
Invalid Input
Invalid Input
Invalid email address.
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input

Interested in a career with NHIA? Click here!

 

footer logo 1

866-689-NHIA (6442)

 

National Health Insurance Agencies
305 N. Parsons Ave,
Brandon, FL, 33510

Hillsborough County Office

305 N Parsons Ave
Brandon, Florida 33510
Phone: 813.689.2583
Fax: 941.729.2329

Manatee County Office

840 6th Avenue W.
Bradenton FL 34205
Phone: 941.729.2583
Fax: 941.896.3196

Hours of Operation

Monday-Friday
10Am – 4PM
Walk-Ins Welcome

We still make house calls!
Multiple Payment Options Available

Member

Brandon Chamber of Commerce
Sun City Center Chamber of Commerce

Attention Licensed Agents:

NHIA is currently contracting licensed professionals. Please contact us to discuss the opportunity and benefits of joining our team.
Copyright © NHIA Inc. All Rights Reserved.