Get ready for when Laredo, TX Obamacare open enrollment period comes along by choosing Golden Plan Choice! At Golden Plan Choice, we can help you choose the health insurance plan that is right for you. In addition, we can identify insurance plans that are ACA-compliant to cover your health costs. It’s that easy!
Golden Plan Choice has over 15 years of experience in navigating the health insurance marketplace to find a qualified health plan that will cover your health care costs. Our expert team is here to answer any questions regarding health insurance plans, cost, and coverage.
We proudly serve our local communities in Laredo, TX, as well as Texas residents in El Paso and Houston. For information, call us today or drop by our location. Our customer service team will gladly answer any questions on the Affordable Care Act, what it means, and Obamacare open enrollment in general. That way, you will know what to do when the Laredo, TX Obamacare open enrollment comes along.
Prepare For the Laredo, TX Obamacare Open Enrollment Period
There are countless benefits to having health insurance. When the worst occurs and you are faced with an unexpected and unplanned accident, illness, or injury, the medical bill can rack up to huge amounts that can and has sent many families into the void of bankruptcy.
With health insurance, however, you can pay a monthly premium for health coverage, which is often far less than what you would have to pay for out-of-pocket costs. In addition, health insurance comes with free preventative care such as vaccines and screenings. In short, health insurance can protect your family’s finances and ensure that your medical bills are paid.
Unfortunately, thanks to the ballooning costs of prescription drugs, medical treatment, and surgeries, monthly premiums for the longest time have been sky-high. Most people have found it difficult to afford these premiums and as a result have gone without health insurance altogether.
The Affordable Care Act
Things have improved, however, with the passage of the Affordable Care Act, also known as Obamacare. The ACA is an alternative for people under 65 to cover their health care needs. Specifically, it allowed young adults to remain under their parents’ health insurance plans until they turn 26.
Moreover, under the ACA, insurance companies cannot deny people with pre-existing conditions health coverage. In addition, the ACA expanded screenings and preventative care. In fact, certain healthcare services are now free, which include:
- Cholesterol and blood pressure checks
- Birth control
- Routine vaccinations, and much more
Under the ACA, every health care plan must include coverage for hospitalization, ambulatory and emergency services, maternity and newborn care, prescription drugs, and so much more. Thanks to the ACA, more than 16 million Americans now have insurance, a huge increase from previous years.
Open enrollment in ACA plans are limited to certain annual periods. However, if you miss the Obamacare open enrollment period, you can meet qualifications for a “special enrollment period.” This period window is only available if you experience a qualifying life event. This can include losing your previous coverage, any change in marital status, or changing your household’s number.
Golden Plan Choice can help you choose the ACA-compliant plan that is right for you, as well as guide you through the Obamacare open enrollment process. Even if you missed the Obamacare open enrollment period, our team is at hand to offer alternatives so that you can still get the coverage you need.
Explore Our Medicare Options
Apart from the Affordable Care Act, another federal government-run program is Medicare. Medicare plans are available for people over the age of 65. Younger people with disabilities or who have diseases like End-Stage Renal Disease can also qualify.
There are three parts to Medicare: Part A, B, and D. Part A is also known as Hospital Insurance. This covers inpatient stay, hospice care, and care in a skilled nursing facility. In addition, it also covers some home health care services.
Next is Part B, also known as Medical Insurance. Part B covers services provided by doctors. This includes outpatient stay, medical supplies, and preventative services.
Lastly is Medicare Part D, or prescription drug coverage, which may not cover the entirety of the cost of your prescription drugs. However, Part D does cover any shots or vaccines recommended by your healthcare professional.
Medicare Advantage, on the other hand, not only includes Part D along with Part A and B, but also covers routine dental and vision check-ups. Moreover, it covers hearing care, which includes hearing aids. In addition, it provides coverage for preventative services such as gym memberships and wellness programs, as well as home modification services.
Lastly, Medicare Supplement, known as “medigap” insurance, serves to cover all the gaps of Original Medicare. It is a guaranteed renewable, which means your insurance company will be unable to drop you so long as you keep paying your premiums.
Call Us Today!
The health insurance marketplace is as complex as ever. For most people that do not know what they need to know regarding health insurance plans, it can be difficult, if not downright impossible, to get the care you need. There have been particularly many misconceptions and misinformation regarding the ACA and Obamacare open enrollment that can lead folks astray.
Fortunately, Golden Plan Choice can help. We can help you through the Obamacare open enrollment process, and can even suggest alternatives to ACA if you don’t meet the deadlines or qualify. We also offer information on group, life, and family insurance, as well as funeral and end-of-life care.
Don’t wait too long and miss the Obamacare open enrollment period. Enroll with us, Golden Plan Choice! We can help you get the health care coverage you need, as well as help you through the Laredo, TX Obamacare open enrollment period.
Fun Facts About Laredo, TX:
- It was founded in 1755.
- Every year the city celebrates George Washington’s birthday, a month-long event.
- It was once known as the Republic of the Rio Grande.