Agents, as we move closer to the Affordable Care Act Open Enrollment period for 2025, let’s take a look at why ACA plans pack in a lot of value and benefits for consumers.
As you work with clients remind them of all the great services they receive with an ACA plan, which goes a long way to creating peace of mind.
Here are 10 great features built into every ACA plan. These are the basic coverages that every plan is required to have:
- Ambulatory patient services – This includes outpatient care that is outside of being admitted to a hospital. This would include things like minor surgery and diagnostic procedures.
- Emergency services – This involves a true emergency where the patient must be rushed to a hospital to receive immediate treatment.
- Hospitalization – This covers the insured for surgeries and overnight stays in a hosptial.
- Pregnancy and newborn care – This covers care before and after birth and lets young parents not worry about the cost of a new baby. Note that this coverage kicks in even if the pregnancy begins before coverage was purchased.
- Mental health and substance abuse disorders – This includes counseling, psychotherapy, and behavioral health treatments. Pre-existing conditions are also covered in this category of services.
- Prescription drugs – This is a big benefit if the person you are working with takes medications regularly.
- Therapy services – This includes physical therapy, occupational therapy, and speech therapy. We can’t predict when accidents will happen so having this coverage is reassuring.
- Lab services – Labs are often ordered by physicians and it is comforting to know these sometimes-expensive test will be covered.
- Preventative and wellness services – A growing trend in healthcare is prevention. Covered services include shots and screenings. For example, blood pressure and cholesterol checks are covered for adults and autism screenings for children. For complete list of these services, click here.
- Pediatric services – This includes oral and vision care for children.
Other bonus features include birth control and breastfeeding coverage. Knowing these benefits front-and-back and being able to easily recall them makes selling plans much easier and helps the consumer make a better decision.
Review these 10 items often and know them. It is just one more step toward having a great Open Enrollment period in 2025!
How Pandora Can Help
Pandora Insurance partners with the major insurers in the ACA market. We have the training, commissions, and marketing support that you deserve.
Enjoy these benefits when contracted with us!
- Free pre-license courses for our contracted agents
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- Carriers include: ACA (Obamacare), Medicare, life and supplemental
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Start today on your path to growing your business! Contact us at 305-231-9898.
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