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Amari Sharp

IFP & SBU Account Executive
(916) 380-5336 (Direct Phone & Fax)
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Health Benefits

All people are at risk for medical problems. When illness, injury or other medical issues arise, expenses can pile up quickly. To protect yourself from financial problems, it’s important to invest in an adequate health insurance policy. In addition, federal law now requires people in the United States to either carry health insurance or pay an annual tax, so carrying an insurance policy is more important than ever.

About Health Insurance

Health insurance policies provide payment for various medical expenses listed on the policy. Under federal law, all health insurance policies are now required to cover certain expenses, including:

  • Hospitalization and surgery
  • Emergency services
  • Outpatient services
  • Rehabilitative services
  • Mental health services
  • Maternity and newborn care
  • Preventative care
  • Pediatric care
  • Laboratory services
  • Prescription drugs
  • Laboratory services
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Federal law also prohibits insurers from denying coverage for pre-existing conditions, imposing a lifetime limit on payouts or requiring copayments for preventative care. Although all of the above coverages are guaranteed, some plans may offer additional coverage above and beyond what is required by law.

The Cost of Coverage

When you purchase an insurance policy, you will pay a monthly premium to maintain coverage. Premiums vary based on the expenses the policy covers, the deductible, the provider and various other factors. Depending on your annual income, you may qualify for a health insurance premium tax credit to offset the cost of health insurance each month. If you qualify for a credit, you can either apply it directly to your premiums or claim it on your tax return at the end of the year.

Some individuals or families with low income may qualify for state-sponsored health insurance plans, which tend to be less expensive than marketplace insurance policies. In some cases, these plans may be available at no cost.

Purchasing a Policy

When shopping for a health insurance policy, you can obtain quotes directly from insurers or through the health insurance marketplace. Before making a purchase, be sure to compare all aspects of the plans you are considering, including the deductibles, premiums and covered expenses.

To learn more about purchasing health insurance, applying for Medicaid or determining your eligibility for a health insurance premium tax credit, contact the experts at the Warren G. Bender Co. today.

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