National health reform guarantees better benefits in insurance coverage.

 

Some of the benefits include:

 

- Health plans must offer free preventive care.

 

- There cannot be any lifetime limits on health insurance.

 

- Many Medicare enrollees will pay less in out-of-pocket costs for prescription drugs.

 

 

The Health Connector, Massachusetts Marketplace, offers health and dental insurance plans and provides tools that make it easier to compare plans. You can find out right away if you qualify for different programs that make coverage more affordable.

 

The official ObamaCare enrollment period ended on March 31, 2014. Important Notice: Its urgent, to avoid future fines and penalties, to sign up for health insurance under the Affordable Health Care Act.

 

Massachusetts Individuals & Families: Find out the most cost efficient healthcare insurance for you.

 

 

The Massachusetts Marketplace is a great way to find the right plan for you, your family, or your small business. Visit MAhealthconnector.org

 

 

Things you should know

 

- National health reform removes many barriers to buying health insurance that previously existed for individuals and small business.

 

- The new bill encourages states to establish health insurance Marketplaces with tools to help Americans find, compare, and buy insurance plans more easily.

 

- MassHealth, Massachusetts’ Medicaid program, offers no-cost or low-cost insurance to more people than ever before.

 

- There are new tax credits that can help you pay for health insurance premiums.

 

- There are new cost sharing reductions that will lower the amount that you have to pay for deductibles, coinsurance, and copays.

 

 

Health Care Reform and Massachusetts

 

The Affordable Care Act requires all residents to have health insurance that meets certain standards.

 

The national health reform builds on the Massachusetts experience. It provides more opportunities for saving on the costs of health and dental insurance for individuals, families and small businesses.

 

Frequently Asked Questions:

 

Can I buy a dental plan in the Marketplace?

 

Yes. The Health Connector offers dental coverage to individuals, families and small businesses. The Marketplace has a variety of dental plans sponsored by leading dental insurance companies.

 

 

What are some of the major benefits of the new Marketplace?

 

- The Marketplace or Health Connector offers health insurance plans categorized by four levels or tiers based on the amount of coverage provided (Platinum, Gold, Silver, and Bronze).

 

- There are major upgrades to the Health Connector website, including the addition of new tools that allow you to sort and compare plans so that you can easily find the right plan for you that has your doctors and your hospitals.

 

- The Health Connector offers “one-stop shopping” for both medical and dental insurance coverage.

 

- People can find out if they qualify for assistance paying for their health and dental insurance and enroll quickly, without a waiting period related to a pre-existing condition.

 

 

What are some of the major changes ObamaCare brings to health insurance plans?

 

- ObamaCare brings more affordable health insurance and more comprehensive coverage.

 

- More People Qualify for Medicaid.

 

- Tax Credits to Help Pay For Insurance.

 

- State-Subsidized Health Plans.

 

- Coverage of preventive care services with no cost-sharing.

 

- No annual limits on benefits considered “Essential Health Benefits.”

 

- No lifetime limits on benefits.

 

- The ability for young people to stay on their parents’ coverage until age 26.

 

 

What is the difference between the health reform implemented in 2006 and the new bill signed by President Obama in 2010?

 

Many of the central elements of the new national health reform were also part of Massachusetts’ health reform implemented in 2006. As a result, many of the key provisions of the Massachusetts law will continue. However, the national law strengthens some aspects of Massachusetts health reform, which means better benefits, more protections for consumers, and more financial assistance to help pay for health insurance than before.

 

Some of the benefits include:

 

- Health plans must offer free preventive care.

 

- There cannot be any lifetime limits on health insurance.

 

- Massachusetts’ Medicaid program, MassHealth, offers no-cost or low-cost insurance to more people than ever before.

 

- Many Medicare enrollees will pay less in out-of-pocket costs for prescription drugs.

 

- New tax credits can help you pay for health insurance premiums.

 

- New cost sharing reductions will lower the amount that you have to pay for deductibles, coinsurance, and copays.

 

- All health insurance plans must provide coverage for someone with pre-existing conditions.

 

 

What if I am a member of Commonwealth Care or Commonwealth Choice?

 

Health Connector programs Commonwealth Care and Commonwealth Choice end with the new health care reform. Through MAhealthconnector.org, you are able to find out if you qualify for new low or no-cost plans from MassHealth and the Health Connector or new cost-savings programs such as premium tax credits and ConnectorCare plans.

 

ObamaCare By State