Prestige Insurance Group, Inc.

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Prestige Insurance Group, Inc.

Search for Health InsuranceIf you're looking for health insurance, you have two options — purchasing coverage through the Affordable Care Act marketplace, or obtaining a non-ACA plan.

In many ways, ACA and non-ACA plans are the same. Both types of plans come with deductibles and co-pays. You are responsible for meeting these payments after insurance covers the cost of services.

But, medical bills aren't fixed prices. Nor are medical conditions fixed conditions. You might need extra services over the course of a year, or your health may change.

At one time, health insurance could stop paying once you exceeded certain yearly dollar amounts of care. For example, health insurance might have stopped paying for your care after you exceeded $2 million in claims. But this is no longer the case.

The Affordable Care Act banned annual coverage limits for 10 Essential Services. This ban applies both to Affordable Care Act plans and private plans. This means that if you have a health crisis and have massive costs for health care, your company must continue to provide coverage.

The 10 Essential Services include:
  1. Most outpatient care, such as doctor visits and outpatient surgical procedures
  2. Emergency services
  3. Hospitalization, including surgery
  4. Maternity and newborn infant care
  5. Prescription drug coverage
  6. Lab services
  7. Physical rehabilitation
  8. Addiction treatment and mental health recovery
  9. Preventative services, wellness services and chronic disease treatment
  10. Pediatric services
Remember, even though coverage limitations no longer apply, you will still need to pay premiums, co-pays and other bills related to coverage.

However, you can now rest assured knowing that you no longer have to worry about running out of coverage. You have protection, regardless of whether you're on an ACA or private plan.

We can help you make sure that you have the coverage you need. Call Prestige Insurance Group, Inc. at (888) 969-8778 for a free Miami FL health insurance quote.
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