In order to live in the United States with total peace of mind and security, having health insurance is essential for the whole family. However, it is true that there are people who, not having sufficient means to purchase insurance, have limited options. Do you know what Obamacare is and how it can be of great help to people who cannot afford health insurance? In this article, we explain it to you.
In general, this program consists of a proposal made during the administration of the President of the United States, Barack Obama, in 2010, which fulfills the main purpose of providing assistance to people with fewer resources who live in the country, so that they can access quality health coverage, allowing them to obtain medical care at lower costs.
Don’t know what Obamacare is and need advice to find out if you qualify? At Benefits Concierge Group, we can help you determine which is the best insurance for your case, providing you close attention, in which your well-being will be our main objective. Call us today at 1-855-275-2243 or fill out our contact form to get in touch with you as soon as possible.
What is Obamacare?
Obamacare, officially known as the “Affordable Care Act“, or the “Patient Protection and Affordable Care Act”, is a law created with the objective of guaranteeing lower-income people in the United States access to much more affordable and accessible health insurance.
Enacted on March 23, 2010, under the administration of the then President of the United States, Barack Obama, the Affordable Care Act is responsible for providing a series of subsidies to families who are beneficiaries, based on specific data such as age, the size of the household in which they reside and the income of the members of the family nucleus.
In addition, with the approval of this Law, now pregnant women or people with pre-existing conditions cannot be rejected by other insurers offering health care policies.
Many people, not having a clear concept of what Obamacare is, tend to be confused and think that it is health insurance. However, as mentioned above, it is nothing more than a law that offers subsidies to low-income people and establishes the accessibility of health insurance for everyone.
How does Obamacare work?
First of all, in order to enroll in Obamacare, the law establishes a period known as Obamacare Open Enrollment, which begins on the first day of November of each year and lasts until December 15. That is, a month and a half in total to be able to apply for Obamacare. This is in case you do not qualify for the Special Enrollment Period.
By being enrolled in Obamacare, you will have the opportunity to access a subsidy provided by the U.S. government, which will be specially designed to pay for a large part of a medical insurance that suits your needs.
What are the benefits of Obamacare?
The Affordable Care Act offers many different benefits to people who qualify. For example, those who enroll in an Obamacare plan can have lower monthly premiums, no exclusions for pre-existing conditions, and reduced cost-sharing for essential services such as hospitalization, prescription drugs, and maternity care.
Some of the main benefits are:
- Preventive care and general checkups.
- Emergency medical care.
- Laboratory studies.
- Pregnancy.
- Rehabilitation therapies.
Among many other specialties that you will be able to access through this important law that will ensure you access to adequate and necessary medical care, if you do not have adequate means to afford health insurance in the United States.
How do I know if I qualify for Obamacare?
In order to qualify for Obamacare, there are certain pre-established rules and conditions that must be met in order to obtain the benefits offered by the law. By complying with each one of them, you will be able to start enjoying all the advantages that this law offers you, to enjoy the security you need in terms of health, even if you cannot afford insurance.
Are you interested in knowing more details and if this is the right medical plan for you? At BCG, we can provide you with the health insurance advice you are looking for. Our team will give you close and sincere attention. We will be able to understand your current situation, your profile, and that of your family, in order to determine the insurance that best suits your needs.
Call us now at 1-855-275-2243, or fill out our contact form so we can discuss what Obamacare is and if it can really help you as a beneficiary.
