How Health Reform Impacts You Today

The answer to how healthcare reform is going to affect us is unknown at this time given the cloud of uncertainty as to the future of healthcare reform. If the current reform policies are not repealed, you can still expect many alterations to the current reform legislation.

In 2010 increased preventative care benefits were mandated and are now included in most health insurance policies. These added benefits have resulted in increased premiums to the insured. We also saw mandates that require insurance companies to accept children who apply for insurance, regardless of their health conditions. That also attributed to higher premiums and much higher premiums for those children with pre-existing medical conditions. Although these new benefits are greatly needed by many, it is a huge cost to the insurance companies. For this to work, the insurance companies need the pool of insured persons to be increased by requiring everybody to carry family health insurance or individual health insurance. This part of the legislation is under attack.

Answers To Your Health Reform Questions

Still to be decided is whether it is constitutional to require all Americans to purchase health insurance and whether the country can afford to subsidize guaranteed issue health insurance for all Americans, regardless of pre-existing medical conditions. How to pay for health care reform remains a hurdle to implementing the new healthcare reform legislation.

If you are facing decisions on how to choose your own private health coverage, it is more important than ever to find a health insurance broker that is fully informed of all the changes that have been made to private health insurance policies. Only a well-informed health insurance broker will understand how these changes have been applied to policies offered by the different insurance carriers that offer private healthcare coverage to the residents of their state.

At Bottom Line Insurance Consultants, you can get advice as to how the policies differ from carrier to carrier and which policy might benefit you the most. The recent changes in these policies affected by healthcare reform are now available to most and may be of more benefit to you than your current policy that may still be grandfathered under old government mandates. It is now more important than ever to review your current coverage every six months. Please contact our Health Reform Information Experts today to review your current plans and help you determine the best plans moving forward.

How Health Reform Impacts You Today | Answers To Your Health Reform Questions

Bottom Line recommends that you talk to one of our consultants before applying on any website including ours.   When comparing benefits from each carrier, the benefits aren't always as they appear.  You are making an important decision.  Call for complete policy information before applying. 

There is no added cost when applying through Bottom Line or for consulting with our insurance professionals.  Premiums are the same as buying direct from the insurers and you get ongoing customer service year after year at no added expense to you.