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Frequently-asked questions by tag

essential benefits

If silver plans cover the same benefits, why do premiums vary?

If all Silver plans cover the same benefits and percentage of costs, why do premiums vary by carrier?

August 10, 2016 – Q. If all of the Silver plans in an exchange must offer the same benefits, and cover 70 percent of the cost of those benefits, why do… Read more

Do ‘Gold’ exchange plans offer more generous coverage than Bronze or Silver plans?

Do ‘Gold’ exchange plans offer more generous coverage than Bronze or Silver plans?

June 20, 2016 – Q. I have read that the Gold plans sold in the exchanges offer more generous coverage. What exactly does a Gold plan cover that isn't… Read more

Does the Affordable Care Act make it easier to get individual health insurance?

Does the Affordable Care Act make it easier to get individual health insurance?

June 18, 2016 – Q: Does the Affordable Care Act make it easier to get individual health insurance? A: Yes, in several ways, it's easier to get… Read more

Does the ACA require infertility treatment to be covered by health insurance?

Does the ACA require infertility treatment to be covered by health insurance?

June 13, 2016 – Q: Does the ACA require infertility treatment to be covered by health insurance? A. No. Treatment for infertility is not one of the ten… Read more

How is vision care covered under Obamacare?

How is vision care covered under Obamacare?

June 13, 2016 – Q: How is vision care covered under the Affordable Care Act? A: The Affordable Care Act requires coverage for pediatric vision care as one… Read more

Can my student health insurance plan set annual dollar limits on how much it will pay out to cover essential benefits?

May 3, 2016 – Q. Can my student health insurance plan set annual dollar limits on how much it will pay out to cover essential benefits? A. No, it… Read more

Are dental benefits included in the health insurance exchange plans?

January 5, 2016 – A: Pediatric dental is one of the ACA's essential health benefits. But there's no requirement that dental care for adults be… Read more

Pediatric dental is one of the essential health benefits on new plans. Does that mean that my insurance will cover braces for my son?

Pediatric dental is one of the essential health benefits on new plans. Does that mean that my insurance will cover braces for my son?

November 15, 2015 – Q: I’ve read that pediatric dental is one of the essential health benefits on new plans. Does that mean that my insurance will cover… Read more

How is autism covered under the Affordable Care Act?

How is autism covered under the Affordable Care Act?

November 8, 2015 – Q. How is autism covered under health plans sold in the health insurance marketplaces or under the ACA? A. According to the U.S. Centers… Read more

Is it true that under the ACA, insurers can’t cap how much they’ll pay out over the course of your lifetime?

Is it true that under the ACA, insurers can’t cap how much they’ll pay out over the course of your lifetime?

November 1, 2015 – Q. I have read that under the ACA insurers can not cap how much they will pay out over the course of your lifetime. Is this true? A. Not… Read more

What happens if I buy insurance but it doesn’t meet ACA’s minimum essential benefits standards?

What happens if I buy insurance but it doesn’t meet ACA’s minimum essential benefits standards?

October 13, 2015 – Q. What happens if I buy insurance but it doesn't meet the ACA's minimum essential coverage standards? A. With the exception of… Read more

Under the ACA, do student health plans have lifetime dollar limits?

Under the ACA, do student health plans have lifetime dollar limits?

October 13, 2015 – Q. I recently read about the graduate student at Arizona State who died of cancer in 2013 because his insurer capped how much the policy… Read more