People Caring About People
The Affordable Care Act:
What does it mean to you?
The Affordable Care Act is now law
and the deadline to enroll is March 31.
Alabama residents are now able to shop through an online Marketplace to compare insurance rates and choose an insurance plan. Plans for the QOLHS service area are available through BlueCross and BlueShield. Dental insurance plans are available from BlueCross/BlueShield, Humana, Delta Dental, Dentegra Dental and BEST Life.
The new insurance plans are required to provide free preventive care and lifetime limits on essential care cannot be set by an insurance company. PRE-EXISTING CONDITIONS WILL BE COVERED UNDER THE NEW HEALTH PLANS. A variety of plans are available including:
Catastrophic Plans- covering less than 60% of eligible expenses;
Bronze Plans- covering 60% of eligible expenses;
Silver Plans- covering 70% of eligible expenses;
Gold Plans- covering 80% of eligible expenses; and,
Platinum Plans- covering 90% of eligible expenses.
Each of these plans covers a wide range of essential health benefits including:
Ambulatory Patient Services Prescription Drugs
Emergency Services Rehabilitation Services
Hospitalization Laboratory Services
Maternity Care Preventive Care
Mental Health Pediatric Services
Tax credits will make insurance more affordable for those with incomes up to four times that of the Federal Poverty Rate (determined by household size and income). Small businesses and non-profits are not required to start providing insurance right away; however, tax credits of 35 % for non-profits and 50 % for small businesses can make it affordable now.
At Quality of Life, our staff is trained to assist individuals in obtaining more information about securing insurance under the Affordable Care Act and in navigating the online Marketplace. Representatives are standing by to assist you. Contact any of the assisters listed below or email us at: firstname.lastname@example.org to set up an appointment for assistance. The enrollment assistance staff is also available for presentations to community groups, clubs, churches, schools or other groups. To schedule a speaker for your group, please contact a member of our program staff.
1411 Piedmont Cutoff :: Gadsden, AL 35903 :: 888.490.0131