FACTS - Affordable Health Care

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Monday September 16, 2013 · 11:34 AM PDT

2013/09/16 · 11:34

The Marketplaces/Exchanges are online at: www.healthcare.gov. There will be four categories of policies: Bronze (60/40%), Silver (70/30%), Gold (80/20%), Plantinum (90/10%). All policies must cover: doctors, hospitalizations, prescription drugs, outpatient services/tests, preventive services/tests (with no copays), emergency, maternity and pediatric services, rehabilitative services/devices and mental health/substance abuse. Policy premiums will be available October 1 when you can see if you qualify for premium support (100% to 400% of the federal poverty level--family of four earning up to $94,000/year; individuals up to approximately $45,000). No pre-existing condition exclusions. No annual or lifetime coverage limits. Annual and lifetime caps on out-of-pocket costs. Insurers must send refunds if they fail to spend 80% of each premium dollar on health care (the 80%/20% rule). Insurers have already refunded $1.1 Billion. Questions? 1-800-318-2596 24/7.

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