Most of us know the basics of how health care reform will affect us – everyone must have some form of health coverage or face a tax penalty. To be compliant with federal law, qualified health plans must include 10 essential benefits that offer substantial coverage and a pathway to staying healthy.
Some of these benefits include coverage for prenatal and maternity care, children services including dental and vision care and well baby health exams, prescription drug coverage so you can get the medicines you need to stay healthy and both inpatient and outpatient care. Even trips to the emergency room are covered so you won’t have to worry about an accident potentially draining your savings.
Preventive services like counseling, screenings and vaccines are also covered, so you can keep yourself and your family healthy. For example, getting an annual flu shot is covered. And depending on your age and risk factors, coverage for cholesterol screenings, Type 2 diabetes screenings, nutrition counseling and blood pressure screenings are now all part of the fully covered preventive services.
There are a number of reasons why it’s important for people in Michigan to get a plan that is compliant with the Affordable Care Act and includes these essential health benefits. For starters, by having these benefits included in your health plan, you can give yourself peace of mind knowing that you have quality coverage that gives you the protection you need. Secondly, the government has set aside millions of dollars to help many people who are not covered at work – including middle-income families – here in Michigan pay for their health insurance. But in order to be eligible to receive that money, you have to be in a plan that complies with the Affordable Care Act.
Blue Cross, the only health insurance company that offers ACA-compliant health plans in all 83 Michigan counties, is focused on helping people get a plan that meets their unique needs at a price they can afford. BCBSM has a team of Health Plan Advisors standing by to answer questions and walk people through the enrollment process step-by-step. And because the deadline to get coverage is only a couple months away, now is the time to contact a Blue Cross Health Plan Advisor by calling 888-483-3387.
Photo Credit: Diana Schnuth