Insurance Company Denied Claims – Story

I am a male who is 51 years old and a father of three teenagers. I went through a preventive Colonoscopy and Endoscopy after my gastroenterologist discussed over the phone the procedure with the assigned doctor from Coventry, my insurance provider, prior to the procedure being performed. Now, Coventry is denying the claim. They are not… Read More

Marketplace #GetCovered Story

Alicia, 39, and Rusk, 37, have been married for 14 years, and have two sons, 11 and 7. Alicia, a former teacher, and Rusk, who owns an auto repair shop, did not have health insurance until the Health Insurance Marketplace opened last year. The 2015 premium for Rusk and Alicia is $373 a month, much… Read More

Health Insurance Deductible

What is a Health Insurance Deductible? Your health insurance deductible is the amount you have to pay out-of-pocket for covered services before your insurance begins to pay. It doesn’t include premiums or costs that aren’t covered by your plan. Once you meet your deductible, your plan will pay its share of your coinsurance. TIP: Your maximum deductible… Read More

Health Insurance Exchange Guide

The Health Insurance Exchanges Explained: A Complete Unbiased Guide to the ObamaCare Health Insurance Marketplace. Our Health Insurance Exchange Guide makes using ObamaCare’s Health Insurance Marketplace easy. Get how-to’s, tips and tricks on using the marketplace. Our guide covers everything from applying for premium tax credits and out-of-pocket cost assistance, to comparing qualifying health plans,… Read More

About Health Insurance

Everything You Need to Know About Health Insurance for 2015 and Beyond We take an in-depth look at health insurance in the US, including how it works, what key health insurance terms mean, and how ObamaCare changes things. We touch on every detail you need to know to understand the complex gateway to health care in… Read More

Grandfathered Plans

Grandfathered Health Plans Don’t Have to Follow ObamaCare’s Rules and Regulations. Grandfathered plans are plans that were purchased before March 23, 2010. These plans have a grandfathered status and don’t have to follow ObamaCare’s rules and regulations or offer the same benefits, rights and protections as new plans. This means that on many old plans… Read More

Dental Insurance

Affordable Care Act Dental Coverage Dental insurance, for the most part, isn’t covered under ObamaCare (the Affordable Care Act). However, children’s dental coverage is a required benefit included on all ACA compliant plans, and cost assistance can be applied to any Marketplace plan that includes dental. Although dental isn’t a required benefit of the Affordable Care… Read More

ObamaCareFacts is a free informational site. It's privately owned, and is not owned, operated, or endorsed by the US federal government or state governments. Our contributors have over a decade of experience writing about health insurance. However, we do not offer professional official legal, tax, or medical advice. See: Legal Information and Cookie Policy. For more on our company, learn About ObamaCareFacts.com or Contact us.