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I think even the president is confused. Below are some myths and answers in order to satisfy your curiosity. Visit our health insurance page for more information or for a free, instant quote from a website that actually works.

Myth: All of the uninsured will pay less on the exchanges than they could now on the individual market, even without federal subsidies.
Fact: According to Obama's secretary of health and human services, Kathleen Sebelius, young people will likely pay more and older Americans will likely pay less than their current plan. The reason for this is that it forbids insurance companies from charging older policyholders no more than three times what they charge to younger policy holders. Smokers can only be charged 1.5 times the rate for nonsmokers. Check it out for yourself. Get your own quote through Blue Cross Blue Shield.

Myth:
I can only get my individual coverage through the exchange.

Fact: Many insurance companies are still writing individual insurance and in most cases, their websites work and it is a smooth and easy process.
There are new questions popping up everyday about the Affordable Care Act.

Myth:
You won't be able to choose your own doctor or the government will be between you and your doctor.
Fact: The law doesn't create a government run system, it actually expands business for private insurance by about 12 million customers according to Congressional Budget Office estimates.  Most plans are still PPO and as long as your doctor is in your network, you will have coverage.

Myth:
You can go to an out of network doctor and the plan will still pay.
Fact: Most of the group plans have an out of network benefit, even though it is lower coinsurance percentage and a higher out of pocket than the in network benefits.  Be aware that a lot of the individual policies have no out of network benefits.  If you don't go to an in network doctor, you have no coverage. 

This is a reason you need to visit with an agent before signing up.  The people at the end of the 1800 number might not give you this information.

We are here to help you and answer your questions.  You can call us at (405) 373-2977 for your answers.
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