or 305.330.4392  


Home Page

 

 

a drawing of a face Auto Insurance Home Insurance Life Insurance Commercial Insurance

Home > Healthcare Reform Home
  • Main Menu
    • Home Page
    • Secure File Area
    • File a Claim
    • Make a Payment
    • Refer a Friend
    • Join Our Newsletter
    • Important Files
    • Insurance Glossary
    • Frequently Asked Questions
    • View our Blog
    • Location Map
    • Employee Directory
    • Contact Us
    • About Us
    • Privacy Policy
  • Content Pages
    • 401k
    • About Us
    • About Us Section
    • Annuities
    • Apartment Owners Insurance
    • Auto and Homeowners Insurance
    • Automobile
    • Aviation
    • Bonds
    • Business & Commercial
    • Church
    • Claim Information
    • Commercial Auto Insurance
    • Commercial Bond Insurance
    • Commercial Property Insurance
    • Commercial Umbrella Insurance
    • Condo Association Insurance
    • Condominium
    • Construction
    • Contractors Insurance
    • Customer Service Forms
    • Cyber Liability Insurance
    • D & O Insurance
    • Daycare
    • Dental
    • Disability Insurance
    • Earthquake
    • Employee Benefits
    • Employment Center
    • Errors & Omissions
    • Farm
    • Final Expense
    • Financial Services
    • Fixed Annuity
    • Flood
    • General Liability Insurance
    • Group Health
    • Header
    • Health
    • Healthcare Reform
    • High Value Home Insurance
    • Home Page
    • Home Page Content
    • Home Page Header Override
    • Homeowners
    • Hotel
    • Insurance
    • JavaScript Footer
    • Jewelry Insurance
    • Life
    • Life & Health Insurance
    • Limousine
    • Liquor Based Business
    • Long-Term Care Insurance
    • Malpractice
    • Medicare
    • Medigap Insurance
    • Meta Tags
    • Mobile Home Insurance
    • Mobile Website Header
    • Motorcycle
    • Nightclub
    • Non Profit Insurance
    • Off-Road Vehicles Insurance
    • Oil & Gas
    • Other
    • Partners Page
    • Personal Lines
    • Personal Umbrella Insurance
    • Pet Insurance
    • Privacy Policy
    • Professional Liability Insurance
    • Quote Forms
    • Real Estate Insurance
    • Recreational Vehicle
    • Referral Form
    • Rental Property Insurance
    • Renters
    • Restaurant
    • Restaurant, Bar, & Tavern Insurance
    • Retirement Plans
    • robots.txt Supplement
    • School
    • Senior Living
    • Special Events Insurance
    • Specialty Automobile
    • SR-22 Insurance
    • Stylesheet Supplement
    • Supplemental
    • Surety Bond
    • Tax
    • Term Life Insurance
    • Testimonials
    • Toy Vehicles
    • Travel
    • Trucking
    • Umbrella
    • Universal Life Insurance
    • Variable Life Insurance
    • Vision
    • Watercraft & Boat
    • Whole Life Insurance
    • Windstorm
    • Workers Compensation
  • Automobile
    • Automobile Insurance Home
    • Request ID Card for Auto Policy
    • Request Declaration and Coverages Page for Auto Policy
    • Add Vehicle to Existing Auto Policy
    • Auto Accident Claim
    • Auto Quote Form (short)
  • Homeowners
    • Homeowners Insurance Home
    • Homeowners Insurance Quote
    • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
  • Renters
    • Renters Insurance Home
    • Renters Insurance Quote
  • Business & Commercial
    • Business & Commercial Insurance Home
    • Request ID Card for Commercial Auto Policy
    • Request Declaration and Coverages Page for Commercial Auto Policy
    • General Liability Quote Form
    • Builders Risk
  • Life
    • Life Insurance Home
    • Life Insurance Quote

Healthcare Reform


Healthcare Reform Information

What does health care reform encompass?

The Patient Protection and Affordable Care Act (PPACA), signed into law in 2010, is predominantly focused on lowering the number of uninsured Americans and reducing the cost of health care in the United States.

How will health care reform affect you?

  • Health care will be available and affordable for individuals with pre-existing conditions. Starting in 2014, cancellations and non-renewals based on chronic illness are illegal. This includes both adults and children.
  • Preventative services, such as diabetes and blood pressure screenings, will be available at no cost.
  • Children can remain on their parents’ plan until age 26.
  • Small businesses will receive a tax credit to offset the burden of offering health care in comparison to larger companies that can afford employee benefits.
  • An 80/20 rule will force insurance providers to spend at least 80 percent of premium dollars on medical treatment, rather than advertising and executive bonuses. If they do not meet this requirement, they must offer a rebate to customers.
  • Lifetime and annual dollar limits on essential medical treatments will be phased out by 2014, which means that consumers will no longer be denied coverage once their medical expenses reach a certain dollar amount.
  • The gap, or donut hole, in Medicare’s Part D prescription drug program will close in 2020, making drugs more affordable. Until then, seniors will receive savings on both brand-name and generic drugs.

Get started today!

Our agency can help you select a health care policy to both cover your needs and meet government requirements. Times of drastic change can be confusing. We are here to answer your questions and guide you to a viable solution. Call us to today to get started!

HomeAbout UsGet A QuoteContact Us
9053 Estate Thomas Suite 107 | St Thomas, USVI 00802 | 340.776.1906 | Fax: 888.467.4612 Powered by Insurance Website Builder