How to Get the Most Out of the Affordable Care Act


From Phyllis Diller

Cleaning your house while your kids are still growing up is like
shoveling the sidewalk before it stops snowing.

The reason women don’t play football is because 11 of them would never
wear the same outfit in public.

I want my children to have all the things I couldn’t afford. Then I
want to move in with them.

The only time I ever enjoyed ironing was the day I accidentally put
gin in the steam iron.


How to Get the Most out of the Affordable Care Act

Since 2014 the Affordable Care Act (ACA) has governed health insurance for people under 65 who do not get group benefits from an employer or union; entrepreneurs, sole-practitioners, part-time and W2 workers. The focus of our practice.

Here are 4 tips for getting the most out of the ACA.

  1. Use all the benefits the law makes insurers offer you.

Apply for insurance even if you have a pre-existing condition, even if you’re pregnant. You will be insured without paying more than someone in good health. Get your free annual wellness visit. Get the free inoculations and dentist check-ups for your children. IVF is covered. Once your maximum out-of-pocket is reached, the insurer must pay 100% of medical care, no limit. Do all the things you and your health care provider feel are necessary for your health.

  1. Apply on time.

Get your insurance during the enrollment periods the ACA sets. You cannot buy or change whenever you want. You must apply between November 1 and December 15 to have health insurance in 2019. If you don’t, you will not be able to buy major medical health insurance except for specific life events like turning 26, losing group benefits, getting married or divorce, moving.

  1. Make sure your doctor and hospital accept the plan you enroll in.

There is no one insurance card individuals/families who have ACA insurance can use at all area and hospitals. Unfortunately, the government resources at the Exchange still don’t understand what plans cover what health care in our area. Use a qualified agent.

  1. Get Premium Assistance and Cost Sharing when you’re eligible.

Based on projected income (not assets), the government will pay part of your premium and even share the cost of your deductible and out-of-pocket maximum. If you’re in job transition, have your own business, just want to know if you qualify, please call us.

Jerry S. Pearlstein Insurance was awarded the 2018 Elite Certificate of Recognition for getting hundreds of individuals/families into the right plan with savings of thousands of dollars.

Small group health insurance offers ACA benefits, too. And more access to care than individual/family plans. Ask us how small a group can be.

Don’t wait. You have until December 15th. Call 847.362.8888 today to find out how to get the most out of your health insurance.