Common Reform Questions

I have been denied coverage in the past.
Starting October 1, 2013 all individuals that apply will have guaranteed acceptance. Regardless, of any pre-existing condition(s) all carriers must approve all applicants. For instance, any individual with diabetes will be able to apply and be accepted for any health plan in the marketplace.

Is it true premiums will increase due to certain illnesses or diseases?
No, Starting January 1, 2014 all plans are guaranteed without any rate ups or riders. Pricing is based on age, tobacco use, and zip code.

Am I qualified for Obama Care?
Most of the benefits are available to any individual that buys health Insurance.

Am I required to have Health Insurance starting January 1, 2014?
Yes, most individuals will have to have health Insurance. Individuals that do not have a qualified health plan will be subject to a tax penalty. For more information please call 866-396-9140

I do not qualify for Medicaid and cannot afford the new premiums.
Insurance can be expensive. However, you might qualify for a subsidy. A subsidy is a tax credit designed to help pay for all or some of your premiums. To see if you qualify for a subsidy “click here calculator”

My current health plan compared to the new Obama care plans.
Current private plans are based on health status and age. Older plans have lifetime maximums and do not cover maternity benefits. The new Obama Care plans are guaranteed coverage, regardless of any pre-existing condition or health Status. Obama Care plans have no annual or lifetime maximum’s and provide maternity benefits at no extra charge.

Can I keep my existing health plan?
Yes, you can keep your current health plan as long as it meets as a qualified health plan. Benefits of keeping your health plan are primarily to keep your premium lower, since benefits are not as rich as the Obama Care Plans. It’s suggested to speak to a licensed Broker to determine what will be your best option.

I am planning to have a baby in the near future, how much is maternity?
Great news! All plans will automatically have maternity coverage. Maternity coverage will be at no extra cost on all plans through the federal facilitated market place.

This is so confusing, how am I going to find the right plan?
Yes shopping and researching for health insurance can be a daunting task. Have no worries, Insurance Medics is designed to help consumers have a better understanding on how health insurance works. We are here to help you find the most comprehensive and affordable plan. Call now for assistance 866-396-9140


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