Over the last several months, I wonder how many times you have heard to visit healthcare.gov for your health insurance? In fact, I wouldn’t be surprised if you didn’t realize that you can purchase health insurance through private health insurance companies. And, I’d be willing to bet (if you don’t qualify for a subsidy) you may prefer plans through a Private Health Insurance Exchange.
Our friends at the Kaiser Heath Network published an article last week, outlining some of the “dangers” of the public health insurance plans, specifically in-network vs. out-of-network. The plans offered on the public health insurance exchange generally offer a trade-off… lower premiums for a limited network of providers. If you go out-of-network you pay. Here’s the catch. The Affordable Care Act limits how much you pay out-of-pocket for health insurance, but these limits typically only apply to providers in your network, which means if you go out-of-network your limits may not apply. Also, the law dictates that preventative, cancer screenings and annual check ups are covered, but if you go to an out-of-network provider you can be charged.
If you have or are considering signing up for a health care plan under the Affordable Care Act, we urge you to fully understand what you are signing up for. Health insurance is tricky to navigate. There are a lot of tricky industry terms and complex clauses. If you do not qualify for a subsidy, a Private Health Exchange will offer you a variety of plans with a larger network of carriers and providers to choose from.
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