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Health insurance is all about being prepared for what might happen, and how you can protect your family from potential financial risk. With this insight, you can be informed of the Minimum Essential Coverage (MEC) plans available and the ten health benefits offered through ACA.
Minimum Essential Coverage Policies
Policies that meet the ACA requirements provide for assessments but not necessarily the treatments needed for the cure. This concept is embodied in the ten health benefits covered by ACA. Assessment, Prediction, Prevention. Which lessens the need for a cure. They do not, however, provide for things such as the loss of income or the additional expense of engaging care staff.
- Ambulatory patient services (Outpatient care)
- Emergency Services (Trips to the emergency room
- Hospitalization (Treatment in the hospital for inpatient care)
- Maternity and newborn care
- Mental health services and addiction treatment.
- Prescription drugs.Medications that are prescribed by a doctor to treat an illness or condition.
- Rehabilitative services and devices
- Laboratory services
- Preventive services, wellness services, and chronic disease treatment
- Pediatric services.
These essential services are intended to meet the basic requirements for emergency treatment and care for long-term conditions.
It is important to understand they do not provide the following:
- Loss of income
- Hospital indemnity
- Home care
- Dental treatment
- Vision care and eye wear
So how can you optimize your health insurance coverage?
Health insurance is not limited to the Minimum Essential Coverage. It is a consideration of how to protect the interests of those for whom you care.
Protect your dependents
Any of these demands can have a major financial impact on your plans, not just for today and tomorrow but for your entire future. Yet you can protect yourself and your dependents by extending your coverage. You can take advantage of low-cost supplements which reflect your family circumstances.
Benefits of supplementary insurance
Supplementary insurances can complement, avoid duplication and provide a comprehensive approach to protecting you and your dependents from the financial outcomes of accidents and illness and even age-related conditions, such as vision.
For more information
Learn more about Supplemental Health Insurance, or talk with one of our insurance experts. Many insurance companies recognize the value of adding an “umbrella” ancillary health insurance policy and offer favorable terms.
Comprehensive coverage can be less expensive than you think. And the peace of mind even greater.
Umbrella, Parasol?
