The Affordable Care Act (ACA) has helped millions of uninsured Americans get health coverage. Now, with the help of this system, many people can get the expensive health care that they need.
The ACA covers a wide variety of your health care needs. You can get coverage for most major health-related issues. These issues range from filling prescriptions to hospitalization.
Many people wonder how far ACA plans go in terms of coverage. Do they really cover everything? What if you need to have major surgery like open heart surgery? What about minor outpatient procedures?
Surgery isn’t a prospect anyone likes to face. Besides normal medical risks, the costs of surgery can be astronomical. Even minor procedures can cost into the thousands of dollars.
If you don’t have insurance, you may have to bear the entire cost of these surgeries. Without proper savings, these costs could financially ruin uninsured patients.
The good news is that ACA plans cover most major surgeries and hospitalizations.
Plans also can’t deny coverage if certain essential treatments surpass certain dollar limits. Dollar limits are related to the amount that an insurance company pays after you reach your deductible. Previously, some companies could stop paying after you passed your dollar limits. Now, the ACA plans will cover essential benefits like surgeries even after you’ve reached your limit.
However, keep in mind that Affordable Care Act plans don't cover all surgeries. Certain procedures may not be essential to your overall health. Purely cosmetic surgery that doesn’t have a valid medical value isn’t covered, for example.
Also, you should always know what level of coverage you need. Affordable Care Act plans come in four different tiers of coverage—Bronze, Silver, Gold and Platinum. These plans offer different deductibles and out-of-pocket costs.
If you have a lot of medical expenses after surgery, a higher level plan will likely be better for you. This will help reduce your out-of-pocket costs, even though your insurance rates may be higher.
We can help you research which insurance coverage meets your needs if you have to have surgery. If you need assistance, visit General Insurance Services Inc.’s website to learn more. Contact for us for an Indiana health insurance quote at (800) 961-0953.