Getting healthcare coverage was complicated enough even before Obamacare. Now there are so many more questions and options that it can all be quite overwhelming. This is where a Bucks County health insurance company comes in handy by helping locals understand their options for healthcare in Pennsylvania.
First of all, people looking for a suitable plan should know what to ask for. This means a provider who offers a range of plans with affordable premiums, emergency and urgent care, electronic referrals and no claim forms. Not to mention prescription drug benefits and routine eye exams with glasses and contacts where required.
It's no secret that an employer-sponsored plan is likely to be the cheapest option. For one thing, the employer foots part of the cost. Secondly, the employer purchases it as a group plan for all eligible employees in the firm, which further reduces the rates. Medicare and Medicaid would be very affordable too, but eligibility is limited even after the expansions under Obamacare.
The state's healthcare marketplace, better known as Obamacare, offers a new way to buy into affordable plans. The competition in the marketplace reduces rates. The government offers tax credits to further bring down the net costs for those eligible.
The sum of it is that everyone must get healthcare coverage now, with the exception of a small number of people who qualify for an exemption. Those who don't buy it will end up paying a fine in their tax returns. The Obamacare open enrollment period may have ended for the year. If so, wait for October when the next enrollment will start.
If none of these options are available, then the only option is to buy into a plan directly from an insurance provider. The premium is obviously an important consideration, but there are other features that need to be looked at. Find out about the required co-pay, deductibles available, the costs for out-of-network coverage, pre-existing disease acceptability and so on. If it still sounds complicated, just contact an insurance company or an agent in Bucks County, explain the situation, and ask for quotes.
First of all, people looking for a suitable plan should know what to ask for. This means a provider who offers a range of plans with affordable premiums, emergency and urgent care, electronic referrals and no claim forms. Not to mention prescription drug benefits and routine eye exams with glasses and contacts where required.
It's no secret that an employer-sponsored plan is likely to be the cheapest option. For one thing, the employer foots part of the cost. Secondly, the employer purchases it as a group plan for all eligible employees in the firm, which further reduces the rates. Medicare and Medicaid would be very affordable too, but eligibility is limited even after the expansions under Obamacare.
The state's healthcare marketplace, better known as Obamacare, offers a new way to buy into affordable plans. The competition in the marketplace reduces rates. The government offers tax credits to further bring down the net costs for those eligible.
The sum of it is that everyone must get healthcare coverage now, with the exception of a small number of people who qualify for an exemption. Those who don't buy it will end up paying a fine in their tax returns. The Obamacare open enrollment period may have ended for the year. If so, wait for October when the next enrollment will start.
If none of these options are available, then the only option is to buy into a plan directly from an insurance provider. The premium is obviously an important consideration, but there are other features that need to be looked at. Find out about the required co-pay, deductibles available, the costs for out-of-network coverage, pre-existing disease acceptability and so on. If it still sounds complicated, just contact an insurance company or an agent in Bucks County, explain the situation, and ask for quotes.
About the Author:
This Bucks County health insurance company helps locals understand their options. To find out more, pay a quick visit to this website at http://www.avantibenefits.com/.
