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.
A good place to start would be to know what features to look for in a plan. The ideal provider would have lots of different plans, so look for one that has an affordable premium and offers features such as emergency/urgent care, electronic referrals, and no claim forms. Other desirable features include prescription drugs, regular eye exams and contacts or glasses, if needed.
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.
The healthcare marketplace for Pennsylvania, aka Obamacare, is another option for buying affordable coverage. The rates are reduced because of the competitive nature of this marketplace. The government is additionally subsidizing part of the cost by offering tax credits to those who are eligible.
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.
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.
A good place to start would be to know what features to look for in a plan. The ideal provider would have lots of different plans, so look for one that has an affordable premium and offers features such as emergency/urgent care, electronic referrals, and no claim forms. Other desirable features include prescription drugs, regular eye exams and contacts or glasses, if needed.
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.
The healthcare marketplace for Pennsylvania, aka Obamacare, is another option for buying affordable coverage. The rates are reduced because of the competitive nature of this marketplace. The government is additionally subsidizing part of the cost by offering tax credits to those who are eligible.
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.
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/.
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