Who Uses ObamaCare?

Everyone who has health coverage uses ObamaCare in one way or another. It is a misconception that only one demographic is impacted by the Affordable Care Act. Those who are impacted the most by ObamaCare’s provisions are those covered under the expansion of Medicaid, those who qualify for cost assistance, those who got covered by…

Health Insurance Appeal Rights Under ObamaCare

Health Insurance Denial and Cancellation Appeal Rights Under the Affordable Care Act (ObamaCare) Customers have appeal rights for the denial of health insurance claims, the cancellation of health plans, and marketplace decisions under the Affordable Care Act (ObamaCare). However, one must appeal within the proper timeframe. Here are the most important things you need to…

Multiple Mammograms Not Covered?

Preventive screening, including mammograms, is covered at not cost under ObamaCare but additional exams may have cost sharing or may not be covered.

Does ACA Cover Prophylactic Procedures?

The ACA does not require coverage of prophylactic mastectomy or reconstruction procedures, but some state laws do. Thus it will be plan specific and state specific.

Health Plan Options for College Students

College students have a number of health plan options including the Marketplace, Medicaid, school health plans, catastrophic plans, and their parents plan. Below we take a look at student health options under the Affordable Care Act (ObamaCare). FACT: A university health plan counts as Minimum Essential Coverage for ObamaCare if it’s fully insured or self insured. Aside…

Tobacco Surcharge On Employer Coverage?

Under the ACA you can be charged a tobacco surcharge for smoking of up to 50% of your premium after subsidies, regardless of where you get coverage. Typically won’t be charged the full amount and some insurers may not charge anything at all.

Can Health Premium Be Increased if a Claim is Made?

A health insurance premium can’t be based on health status or claims, so an insurer can’t increase premiums based on claims made. The ACA protects against discrimination based on health status. You can’t be denied or charged more based on health status or claims.

Does ObamaCare Cover Alcohol Rehab?

ObamaCare covers rehab for alcohol and drugs as part of it’s ten essential benefits. Treatment can still include cost sharing amounts and other limits.

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