The Affordable Care Act, nicknamed Obamacare seeks to help United States citizens to find affordable health care insurance. The program offers government subsidies to US nationals to help cover for medical insurance. Women, in particular, can get the most out of Obamacare Health Insurance in Warner Robins GA. Read on for more insight.
Giving birth to a healthy child is a joy to every parent. However, it can also be a significant financial strain, as the cost of prenatal care, as well as a straightforward birth process, costs thousands of dollars on average. That explains why health insurance providers would often deny or cancel coverage to expectant women before the enactment of the Affordable Care Act. Today, all insurance plans must include maternity coverage which is good news for anyone who is pregnant.
Covered Preventive Services
Preventive care improves health, yet most preventive care services remain out of the reach of many women as a result of high copays, coinsurance, and deductibles. Obamacare stipulates the coverage of a variety of woman-focused preventive care services by the majority of health insurance plans at zero out-of-pocket cost to the policyholder. Some of the covered preventive services include breast cancer and mammogram screenings, STDs testing, Pap smears, yearly wellness visits, and psychotherapy for drug and alcohol abuse. Now women can get early treatment which improves their overall health.
Prohibition of Gender Rating
Under the pretense of gender rating, women used to be charged higher premiums compared to men for similar health benefits. Thanks to Obamacare, gender rating is considered unlawful in all health plans and women can rest easy knowing they will not be charged more their health coverage due to their gender.
No Lifetime Coverage Caps
Similar to men, women can also suffer from incapacitating health conditions. An unexpected medical emergency or a debilitating illness may cause an individual to quickly reach a coverage limit in their health plan, leaving them to cater for the high medical bills from out-of-pocket. Under Obamacare, lifetime coverage limits are no more, while yearly caps are also on the way out.
As far as Obamacare Health Insurance in Warner Robins GA is concerned, women can seek the help of a reputable service provider like Stone Insurance Agency Inc. They can assist anybody to apply for coverage.