Don’t know what to do when the El Paso, TX Obamacare open enrollment period comes along? Contact Golden Plan Choice today! We help our clients get the health insurance coverage right for them. Our team works hard to empower you to make significant decisions about your and your family’s healthcare needs.
Golden Plan Choice has over 15 years’ worth of experience navigating the health insurance marketplace. We can help you get health coverage that will not only give you the care you need, but also won’t put you in financial jeopardy.
In addition, we can identify ACA-compliant insurance plans and guide you through the Obamacare open enrollment process. Obamacare open enrollment goes through annual periods, but even if you miss the enrollment period, Golden Plan Choice can still help enroll you under the special enrollment period should you qualify.
You may qualify to enroll in this special period if you have gotten married, lost your previous coverage, or changed your household number. No matter your situation, Golden Plan Choice can help you with El Paso, TX Obamacare open enrollment and get you the coverage you need.
Prepare For El Paso, TX Obamacare Open Enrollment
There are many benefits to getting health insurance. For one thing, it can save you and your family from financial bankruptcy when an unexpected and unplanned illness, injury, or accident occurs. Paying a monthly premium in the end is much less expensive than paying an exorbitant medical bill out-of-pocket. In addition, most insurance comes with free preventative care, such as vaccines and screenings.
Unfortunately, health insurance is not always affordable to most people. In decades past, the rising cost of medical treatments, surgeries, and prescription drugs also increased high monthly premiums. In addition, private insurers were free to deny people with pre-existing conditions, such as cancer, coverage. As a result, quite a few people have deferred getting health insurance, and went without it at all.
The Affordable Care Act and Obamacare Open Enrollment
Things, however, have gotten better. With the passage of the Affordable Care Act in 2009, now more than 16 million Americans have obtained health insurance. The largest percentage growth came from young adults who have been able to remain under their parents’ health insurance plans until they turned 26.
Also known as Obamacare, the ACA lowered health insurance costs across board. Moreover, it banned insurance companies from denying people with pre-existing conditions coverage. The ACA also stipulates that certain healthcare procedures be free. These include:
- Cholesterol and blood pressure checks
- Birth control
- Routine vaccinations
- Other services
Under the ACA, every health care plan must include coverage for hospitalization, ambulatory and emergency services, maternity and newborn care, mental health disorders and substance abuse, and so much more.
Thanks to Obamacare, more people than ever have health insurance. Obamacare open enrollment, however, goes by annual periods, so be sure to enroll or pay a late enrollment penalty. Even if you do miss the deadline, however, you may be able to enroll in a special enrollment period if you meet certain specifications. Golden Plan Choice is here to guide you through the Obamacare open enrollment process and get you the coverage should you qualify.
Other Insurance Options
Another excellent government-run healthcare insurance program is Medicare. Medicare plans are available for people over the age of 65. However, younger people with disabilities or that have conditions such as End-Stage Renal Disease may qualify.
Medicare has three parts: Part A, B, and C. Part A, known as Hospital Insurance, covers inpatient stay, care in a skilled nursing facility, and hospice care. It also includes some home health care services.
Part B is also known as Medical Insurance. This covers services provided by doctors, including outpatient care, preventative services, and medical supplies.
Lastly, Part D is prescription drug coverage. Depending on the cost of your drugs, this may not cover the entirety of the cost. However, Part D also includes any vaccines or shots recommended by your healthcare professional.
Medicare Advantage, by contrast, not only includes Parts A, B, and typically D, but also includes hearing care, including hearing aids. Moreover, it covers routine dental and vision check-ups, as well as preventative care like gym memberships and wellness programs. Medicare Advantage also covers home modification services such as grab bars, mail deliveries, and non-emergency transportation if you or your loved one needs help getting around the house.
Lastly, Medicare Supplement, also known as “medigap” insurance, aims to cover all the gaps of Original Medicare. Medicare Supplement provides coverage when you are traveling abroad, outside of the country, provided that you do not wait longer than 60 days after your arrival. It is also a guaranteed renewable, meaning that insurers will be unable to drop you for any reason so long as you keep paying your premiums on time.
Call Golden Plan Choice Today!
Getting health insurance doesn’t have to leave a dent in your wallet. With excellent, affordable options such as ACA-compliant plans and Medicare plans to choose from, you too can get health insurance that can get you the care you need.
At Golden Plan Choice, we are committed to meeting you where you are and guiding you every step of the process. Everyone’s financial and health situation is different, and so will your health insurance plan. Our team of experts are passionate about helping people from all ages and all walks of life get the care they need.
So what are you waiting for? Contact Golden Plan Choice today or drop by our El Paso, TX location! For guidance on what to do during the El Paso, TX Obamacare open enrollment period, you can trust Golden Plan Choice to provide it.
Fun Facts About El Paso, TX:
- Its nickname is Sun City.
- El Paso is one of the 10 safest cities in the U.S.
- It receives 302 days of sunshine per year.