Health Care Reform has arrived, and The Supreme Court is keeping it here! Until elections at least.
As of September 23, 2010, the first aspects of the ObamaCare bill became effective. Then on June 28, 2012, The Supreme Court voted to uphold the bill as written and being constitutional to have every person having to get insurance either paid for by themselves or partially or fully subsidised through the government.
You will see some of the changes that will immediately impact your coverage. Some of these mandates include:
- Routine physicals and preventive care covered at 100%, no co-pay on ALL plans; - No more lifetime maximums in or out of network; - No maximum on prescription drug coverage; - Dependent eligibility up to age 26 years old, it does not matter if you are single or married, or where you live; - For small businesses with less than 25 employees with average incomes of under $50,000, the business will be entitled to a 35% tax credit for 2010. If a non-profit, 25% tax credit.
All these benefits are part of this new bill, effective on your initial effective date on plans you will see on my web site.
As of Jan 1st, 2014 the Health Exchanges will be available in the state of CT, allowing people to buy insurance plans on a guaranteed issue basis with no pre-existing condition clauses.
The rates you will see also reflect some of these changes mandated by Mr Obama and approved by the CT Department of Insurance. Stay tuned and somewhere around mid 2013 we will have more clarity on some of the new rates and plans that will be available on Jan 1 2014.
There are various differences between carriers and rates, rate guarantees and the benefits being offered. Call me and I will be glad to try to give you my opinion on what will be the best solution for what you are looking for.
Good Luck and Good Health!!!
Claudia, Alan, Annie Lyn, Matthew, Amy Jo, Nicholas and Melissa