The issue of getting adequate and affordable healthcare coverage was a maze to navigate well before Obamacare came along. But now it's absolutely bewildering for first-time buyers. Make it easy by contacting a Bucks County health insurance company who can explain the various options for residents in the county and the rest of 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.
Employer-sponsored healthcare plans are by far the cheapest option, if and where available. Apart from the fact that the cost is reduced through employer contributions, they are also cheaper as group plans covering all eligible employees in the organization. Government plans are limited to those eligible for Medicare and Medicaid, but this number has increased significantly with the implementation of Obamacare.
Pennsylvania's healthcare marketplace, otherwise known as Obamacare, is likewise a place to buy into an affordable healthcare plan. The competitive marketplace reduces rates. The cost of coverage is then further reduced through tax credits.
In any case, everyone has to have healthcare unless they can claim a special exemption. Those who do not comply will be hit with a fine that the IRS will collect with their taxes. If the open enrollment period for Obamacare has ended for the year, the one for next year will start in October.
People who do not qualify for any of these options will need to buy into their own plan. In such cases, it's important to look closely not just at the premiums, but also at other features including deductibles, co-pay, prescription drug benefits, pre-existing diseases, out of network costs, etc. To get a comparison of the different options available to them, Bucks County residents should contact a nearby insurance agent or company 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.
Employer-sponsored healthcare plans are by far the cheapest option, if and where available. Apart from the fact that the cost is reduced through employer contributions, they are also cheaper as group plans covering all eligible employees in the organization. Government plans are limited to those eligible for Medicare and Medicaid, but this number has increased significantly with the implementation of Obamacare.
Pennsylvania's healthcare marketplace, otherwise known as Obamacare, is likewise a place to buy into an affordable healthcare plan. The competitive marketplace reduces rates. The cost of coverage is then further reduced through tax credits.
In any case, everyone has to have healthcare unless they can claim a special exemption. Those who do not comply will be hit with a fine that the IRS will collect with their taxes. If the open enrollment period for Obamacare has ended for the year, the one for next year will start in October.
People who do not qualify for any of these options will need to buy into their own plan. In such cases, it's important to look closely not just at the premiums, but also at other features including deductibles, co-pay, prescription drug benefits, pre-existing diseases, out of network costs, etc. To get a comparison of the different options available to them, Bucks County residents should contact a nearby insurance agent or company 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/.
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