To mark the 20 final days of open enrollment, here are 20 reasons to get covered. Check them out, then head over to healthcare.gov and sign up!
20 reasons to get covered:
- Six in ten uninsured Americans can get coverage for less than $100 a month.
- Preventive services like well-woman visits, cancer screenings, flu shots and more cost you nothing out of pocket.
- Health insurers are prohibited from charging women more than men for the exact same coverage.
- It's illegal for insurance companies to charge more or deny coverage due to a pre-existing condition.
- Birth control for women is covered with no out-of-pocket costs or co-pays.
- Insurance companies can't cancel your coverage when you get sick.
- All plans must cover essential health benefits including outpatient care, hospital visits, prescriptions, and more.
- Because accidents happen, and no one is invincible.
- There's a new way to shop for plans, compare benefits and apply for coverage all online on healthcare.gov.
- You may qualify for lower cost coverage or tax credits to help pay for care depending on your income or family size.
- Mental health and substance abuse disorder services including counseling and psychotherapy must be covered at parity with medical benefits.
- If you're a parent, your kids can stay covered on your plan until they turn 26.
- Insurance companies can no longer put a lifetime cap on the essential health benefits they'll cover if you get sick.
- Insurance companies can no longer impose yearly limits on coverage for essential health benefits.
- Insurance companies must spend at least 80 percent of your premium dollar on health care -- or you get a rebate.
- No one deserves to go broke just because they get sick.
- Insurance companies can't cancel your coverage because you make a mistake on your application.
- Insurance companies must publicly justify their actions if they want to raise your premiums by 10 percent or more.
- Because you only live once.
- You can apply for coverage online at healthcare.gov. on the phone by calling 1-800-318-2596, in person (find local help here) or by mail (download the application to mail in here) -- the whole process takes most people about 15 to 20 minutes.