On Oct. 1, 2013, Americans currently without insurance and employers of fewer than 50 employees that choose to provide benefits will have an opportunity to start reviewing insurance plan selections before the individual mandate goes into effect on Jan. 1, 2014. Before making decisions on medical insurance, it’s important to understand how dental and vision benefits fit within the ACA. View full article »
Tag Archive: health care reform
If saving money on health insurance meant you had to find a new doctor, would you make the switch? That’s the question on the minds of many health care professionals as new insurance plan options are introduced to Americans this fall as part of the Affordable Care Act (ACA).
According to a HealthPocket survey, 40 percent of people questioned indicated they would not be willing to switch doctors to save money on insurance premium costs, but another 34 percent said they would. Approximately 24 percent of respondents confirmed that they don’t have a regular doctor. View full article »
When juggling bills for living expenses, incidentals and medical insurance, many Americans may wonder whether they can justify purchasing vision insurance. Given the increase in the number of people with vision loss not correctable by glasses, concerns about eye diseases and the importance of good vision for performing well in school, people should ask whether they can afford not to have vision insurance.
Under the Affordable Care Act, Americans will be required to have health insurance or pay a penalty. Insurers are required to offer Essential Health Benefit Packages (EHBPs), which include vision coverage for children under age 19. Some medical insurance plans in the public exchange marketplace may list vision coverage, but it’s probably only for pediatric members, and may include only a set amount for vision exam costs. Adults will need to purchase their own vision plan, and may want to consider purchasing additional vision coverage for their dependent family members for expenses not covered, such as prescription eyeglasses. View full article »
Beginning Jan. 1, 2014, the individual mandate of the Affordable Care Act (health care reform) goes into effect. This means that individuals who do not have Minimal Essential Coverage (MEC) through an employer, private or public exchange or public program must be offered the new Essential Health Benefit packages (EHBP). Employers of fewer than 50 employees do not have to offer medical or dental benefits. But those that choose to provide benefits will be required to have MEC, unless their medical plan is grandfathered. View full article »