7 Things the Affordable Care Act Doesn’t Cover
The Affordable Care Act has been under scrutiny since it was enacted and common opinion of it continues to wax and wane, especially because it offers pros and cons depending on which side of the income spectrum those being asked reside on. And, because many private providers of health insurance in Wilmington NC don’t cover the 10 essential benefits outlined under the ACA, there are complications there as well. So, it’s still a growing process that people are trying to become comfortable with and adjust to.
But, despite the challenges, what many people really want to know is – what exactly don’t the plans approved under the Affordable Care Act cover? Here are the seven primary things that Obamacare plans don’t cover.
Certain Medications
Under the Affordable Care Act, insurance companies are required to provide prescription drug coverage, but this doesn’t mean that every single drug will be covered under your plan. For example, certain employers, for religious purposes, are able to offer health plans that do not cover contraceptives. Other plans may cover generic forms of drugs, but not the name brand. And, in some cases, an insurance company may require a medication to be pre-authorized before covering the cost.
Alternative Medical Treatments
Certain alternative medical treatments, like acupuncture, homeopathic treatments, herbal medicines, and chiropractic care, aren’t covered by most health insurance plans under the ACA because western medicine isn’t totally sure how Traditional Chinese Medicine procedures work and their effectiveness remains unconfirmed.
Cosmetic Surgeries
Cosmetic surgeries are usually elective in nature, so almost no insurance policy is going to cover them, including those under the ACA. The only way a cosmetic surgery will be covered by one’s insurance is if the surgery is a serious, medically necessary procedure.
Weight Loss Surgery
Like cosmetic surgery, most, but not all, weight loss surgeries are elective. So, in most cases, don’t be surprised if your health insurance won’t cover it. Of course, there are some exceptions, such as in cases where one’s obesity is considered life-threatening. Currently, about two-thirds of the country’s large employers cover bariatric surgery and Medicare covers it as well, when it is deemed medically necessary.
Dental and Vision
There are dental and vision care plans available under the Affordable Care Act, but these plans need to be purchased and paid for separately from your health insurance plan. But, if you are looking for coverage for your child, your ACA-qualified plan will provide dental and vision coverage for child dependents, so it always pays to check your policy first.
Infertility Treatments
Infertility treatments are very expensive, with some costing as much as $17,000 per cycle. As a result, this medical procedure is not covered under most health insurance plans, including those approved under the Affordable Care Act.
Long-Term Care
Most conventional health care plans, as well as those purchased through the ACA marketplace, do not provide coverage for long-term care services. Separate long-term care insurance plans are available from most providers to help cover the cost of this expense.
Schnitzer-Slate Has Affordable Health Insurance in Wilmington NC for Every Need
If you can’t find a plan in the ACA marketplace that provides the coverage you need at a price that works for you, Schnitzer-Slate can help. As a leading provider of BCBS health insurance in Wilmington NC, we have a wide range of Blue Cross Blue Shield North Carolina insurance plans for every lifestyle need and budget. We can help you get the insurance you need to avoid being subjected to the ACA’s fines and penalties.
Just give Schnitzer-Slate a call today at 910-392-7020. One of our agents will help you find an affordable healthcare plan for your unique health care needs. Or, just visit our website at http://healthplannc.com to learn more about our affordable health insurance in Wilmington NC.
But, despite the challenges, what many people really want to know is – what exactly don’t the plans approved under the Affordable Care Act cover? Here are the seven primary things that Obamacare plans don’t cover.
Certain Medications
Under the Affordable Care Act, insurance companies are required to provide prescription drug coverage, but this doesn’t mean that every single drug will be covered under your plan. For example, certain employers, for religious purposes, are able to offer health plans that do not cover contraceptives. Other plans may cover generic forms of drugs, but not the name brand. And, in some cases, an insurance company may require a medication to be pre-authorized before covering the cost.
Alternative Medical Treatments
Certain alternative medical treatments, like acupuncture, homeopathic treatments, herbal medicines, and chiropractic care, aren’t covered by most health insurance plans under the ACA because western medicine isn’t totally sure how Traditional Chinese Medicine procedures work and their effectiveness remains unconfirmed.
Cosmetic Surgeries
Cosmetic surgeries are usually elective in nature, so almost no insurance policy is going to cover them, including those under the ACA. The only way a cosmetic surgery will be covered by one’s insurance is if the surgery is a serious, medically necessary procedure.
Weight Loss Surgery
Like cosmetic surgery, most, but not all, weight loss surgeries are elective. So, in most cases, don’t be surprised if your health insurance won’t cover it. Of course, there are some exceptions, such as in cases where one’s obesity is considered life-threatening. Currently, about two-thirds of the country’s large employers cover bariatric surgery and Medicare covers it as well, when it is deemed medically necessary.
Dental and Vision
There are dental and vision care plans available under the Affordable Care Act, but these plans need to be purchased and paid for separately from your health insurance plan. But, if you are looking for coverage for your child, your ACA-qualified plan will provide dental and vision coverage for child dependents, so it always pays to check your policy first.
Infertility Treatments
Infertility treatments are very expensive, with some costing as much as $17,000 per cycle. As a result, this medical procedure is not covered under most health insurance plans, including those approved under the Affordable Care Act.
Long-Term Care
Most conventional health care plans, as well as those purchased through the ACA marketplace, do not provide coverage for long-term care services. Separate long-term care insurance plans are available from most providers to help cover the cost of this expense.
Schnitzer-Slate Has Affordable Health Insurance in Wilmington NC for Every Need
If you can’t find a plan in the ACA marketplace that provides the coverage you need at a price that works for you, Schnitzer-Slate can help. As a leading provider of BCBS health insurance in Wilmington NC, we have a wide range of Blue Cross Blue Shield North Carolina insurance plans for every lifestyle need and budget. We can help you get the insurance you need to avoid being subjected to the ACA’s fines and penalties.
Just give Schnitzer-Slate a call today at 910-392-7020. One of our agents will help you find an affordable healthcare plan for your unique health care needs. Or, just visit our website at http://healthplannc.com to learn more about our affordable health insurance in Wilmington NC.