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Shelly Rogers
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Shelly Rogers   My Press Releases

Nevada Insurance Enrollment Discusses New Regulations. Quality Health Insurance Is Not Guaranteed

Published on 6/20/2018
For additional information  Click Here

As Health Insurance Regulations Relax, Quality Health Insurance May Be Hard to Find.

Post - Health Insurance Could Become The Wild Wild West Once Again

While many aspects of the Affordable Care Act (ACA) are still in place, regulations are loosening and we can expect to see an increase in non-ACA-compliant health insurance plans that will leave millions of people without basic coverage. As regulations continue to relax over the next few years, health insurance may become the wild, wild west once again and Americans may face challenges when seeking out affordable, high-quality health insurance.

Before ACA was signed into law in 2010, many private health insurance companies didn't provide reliable coverage for maternity care, pediatric dental or vision care, or mental health services. Men and women were charged different rates for the same coverage, those with pre-existing conditions could be turned away, and most health insurance plans were riddled with exclusions and limits that prevented enrollees from receiving the coverage they believed they were paying for.

The Affordable Care Act, enacted in March of 2010, mandated that insurers treat all applicants the same way, regardless of gender or health status. Every major medical health insurance plan was required to provide coverage for 10 essential health benefits, including mental health and substance abuse services, preventative care, prescription drug coverage, and more. Insurers were required to cover pre-existing conditions, including maternity care, and enrollees could not be charged a higher premium because of their health status.

In recent months, health insurance regulations have changed. While many aspects of ACA are still in place, such as coverage for pre-existing conditions and coverage for the 10 essential health care benefits, other aspects have changed or have been eliminated altogether.

Beginning in July of 2018, Americans will have the option of carrying short-term health insurance plans for up to 360 days, versus the 90-day limit that was put into place under the Obama administration. Additionally, effective in 2019, the individual mandate's enforcement was repealed, eliminating the tax burden that those without insurance would face.

As a result of these two measures, Americans can expect to see an increase in non-ACA-compliant health insurance plans that don't provide basic coverage, similar to those that were offered prior to ACA. Finding a health insurance policy that provides adequate health insurance at an affordable rate may be a challenge as more low premium/high deductible bare-bones policies are becoming more widely available.

To ensure sufficient health insurance coverage in the event of a major medical event, Americans should seek out comprehensive health insurance plans that do not cap how much will be paid out on specific coverage. Health insurance plans that are labeled "limited benefits" should be avoided, as this is a strong indicator of sub-par coverage. Important things like prescription drugs, preventative care, and hospitalizations should be covered, and if something is not specifically listed in the policy, it should be assumed that the expense would be paid for entirely out of pocket.

Assistance from an experienced health insurance broker or agent can help ensure that an applicant receives a comprehensive health insurance policy that will provide adequate coverage.

Learn more:


About Nevada Insurance Enrollment:

For over 15 years Shelly Rogers was a Cardiac Registered Nurse helping people pre and post cardiac surgery. For 5 years she was a licensed insurance agent working for Anthem Blue Cross and Blue Shield where she was a top producing agent in the nation in 2011, 2012 and 2013 for Individual and Family Health Insurance sales. She is the President of Nevada Insurance Enrollment, owner of Farmers Insurance (Shelly Rogers Agency), and a Member of NAHU (National Association of Health Underwriters), Nevada Chapter.



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