Health Insurance Reform Preparations have Begun . . . Are you Prepared?

Affordable Care Act Facts
• There will be new, affordable insurance options available for people without insurance. Beginning in 2014, if you do not have insurance you will have to pay a tax penalty.
• All insurance plans will have to cover doctor visits, hospitalizations, maternity care, emergency room care and prescriptions. There will be no cost-sharing for preventive care.
• Financial help is available so you can find a plan that fits your budget. The underwriting process is a thing of the past. Age, tobacco use, family size and geography will determine the rate you pay.
• All insurance plans will have to show the coverage and cost in simple language. There will be no pre-existing conditions.

When and how should I buy health insurance?
Open enrollment begins October 1, 2013. At that time, you may work directly with our office. It will be important to compare deductibles, premiums, costs, providers and pharmacies before selecting a health plan.

Important Dates to remember:
Oct. 1, 2013           Open enrollment begins.
Dec. 15, 2013         Enroll by this day for healthcare coverage starting Jan. 1, 2014.
Jan. 1, 2014            Health Coverage begins, if enrolled.
March 31, 2014    Enroll by this day to avoid penalties.