After diligently trying to help people who are interested, sign up for insurance through the Affordable Care Act, I have noticed a few key components worth noting. Keep in mind that we represent Blue Cross Blue Shield, so we quote through their website.

  1. If you go to our website and request a quote for health insurance, effective 1/1/14 or later, put in all your information, you will be asked if you qualify for a tax credit. If you say yes, you will get an estimated credit.  The next screen will give you Advantage, Bronze, Silver and Gold health insurance plans.  If you choose to apply the credit, you will be linked to the website.  You will have to set up an account, which takes at least 45 minutes.  It usually takes a lot longer than that.  If you get through that set up process and want to apply for a plan and apply a credit, you will notice a completely different set of health insurance options, many times from different companies. Look at these plans very carefully before signing up.  Many of them have a limited number of doctors/hospitals included.  The Advantage plans have the smallest network of doctors/hospitals.
  2. Another thing I learned about individual health coverage under the Affordable Care Plan is that if you don’t go to an in-network doctor or hospital, you have no coverage. There are no out of network benefits if you have an individual plan.
  3. Finally, if you don’t have health insurance effective 4/15/14 (which means you have to have signed up by 3/31/14), you can’t get coverage until January, 2015 unless there is a qualifying event.
I could spend hours talking about the pros and cons.  The important thing to keep in mind as you sign up, is ask a qualified insurance professional for advice about which plan would be best for you.  You don’t want to find out after you get sick that your doctor/hospital is not on the plan.  You can contact us via our website or call us at (405) 373-2977 if you would like more information.
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ECI Agency, Inc. | 325 Piedmont Rd N | P.O. BOX 600 | Piedmont, OK 73078 | Phone: (405) 373-2977 M-F 8am-5pm