Get the tools and information you need to understand health care reform. FirstCare has gathered the best calculators, articles, and links from the most trusted sources in the industry to keep you informed on the latest developments.
Learn how health care reform will impact your community. We’ve asked local employers, insurance professionals, and health care providers to list their top concerns with providing affordable, quality health care to West Texans in 2014.
Find the answers you’re looking for in our FAQ section. We’ll be updating this list based on the conversations we have with our clients and partners, so check back often.
Can’t find what you’re looking for? We’re here to help.
Changes to Health Insurance
What is health care reform versus the Affordable Care Act?
The Affordable Care Act (ACA), commonly referred to as health care reform, is a United States federal statute that was signed into law in 2010. The ACA is designed to improve the quality of health care, increase access to care, and reduce costs. The ACA mandates began in 2010, but the most significant changes to health care and insurance will occur in 2014.
What is the Health Insurance Marketplace?
The Health Insurance Marketplace will be a new way for individuals, families, and small businesses to buy health insurance beginning in 2014. The Marketplace will list and compare health insurance companies that have applied with the Federal Government to be listed as a Qualified Health Plans (QHPs). As a QHP, an insurance company has agreed to offer comprehensive coverage from doctors to medications to hospital visits.
Coverage in 2014
How are health insurance plans changing in 2014?
In the individual and small business markets, health plans will have four different coverage levels. These new plans are often referred to as the "metal plans" since they are each named after a different type of metal (platinum, gold, silver, and bronze), similar to the Olympics. Each metal level has different cost sharing.
In the individual market, there is also a catastrophic plan that works differently. Catastrophic plans will cover the essential health benefits (covered below), plus three primary care visits per year. The catastrophic plan is only available to consumers under age 30 and other consumers who are exempt from the individual mandate because of low income or other hardship.
I’ve heard there will be a lot of changes to health insurance in 2014. What do I need to know as a provider?
Health care reform will affect each unique community in different ways.
That’s why we’ve been talking with employers in our community and the surrounding area, and with our agents, providers, and members to get their perspectives about the opportunities and challenges related to health care reform changes.
Coming Soon! We’re developing an answer line that will allow you to chat online with our health care reform specialists.