Important Details
Pre-existing Conditions and Gender Discrimination:
Insurance companies cannot deny you coverage or charge you more due to a pre-existing health condition or based on your gender.
Essential Health Benefits (EHBs):
Most individual and small group plans must include a comprehensive set of essential health benefits, including services like hospitalization, prescription drugs, maternity care, mental health and substance use disorder services, and preventive care.
Preventive Care:
Your ACA-compliant plan must cover various preventive health services at no cost to you, meaning no co-pays or deductibles for these services.
Young Adults on Parent's Plan:
You can stay on your parent's health insurance plan until you turn 26, even if you are married or have access to another employer's plan.
Financial Assistance and Affordability:
The ACA provides subsidies, or premium tax credits, to lower the cost of insurance for households with incomes between 100% and 400% of the Federal Poverty Level (FPL). You can explore options and potential savings at Healthcare.gov.
Annual and Lifetime Limits:
ACA-compliant plans are prohibited from imposing annual or lifetime dollar limits on essential health benefits, ensuring you have comprehensive coverage without arbitrary caps on what the plan will pay.
Consumer Protections and Appeals:
You have the right to understand why a claim or coverage was denied and how to appeal that decision to the insurance company. Health plans are also prohibited from canceling your coverage retroactively unless for fraud or intentional misrepresentation.
Out-of-Pocket Maximums:
ACA plans set annual limits on out-of-pocket costs for in-network essential health benefits, protecting you from excessive spending. For 2025, these limits are $9,200 for an individual and $18,400 for a family.
Medical Loss Ratio (MLR):
Health insurers are required to spend at least 80% of premium dollars on actual medical care and quality improvements, rather than administrative costs and profit. If they don't meet this ratio, they may have to issue rebates to consumers and businesses.
Contact Us
If you have any questions about this Privacy Policy, You can contact us:
By Email: [email protected]
Through Our Website: www.insurancecornersolutions.com
By Phone: (864) 466-9933
By Mail: 112 North Main Street, McCormick, SC 29835
Contact Us
Insurance Corner Solutions
112 North Main St, McCormick, SC 29835
Ready to protect your health and your future?
Let's Get Started!—our knowledgeable, caring agents are here to help you find the right plan, answer your questions, and support you every step of the way.
Insurance Corner is committed to serving you at the highest level with all your Affordable Care Act Insurance needs.
National Producer Number: 10749349
Company
Directories
Legal
Insurance Corner is committed to serving you at the highest level with all your Affordable Care Act Insurance needs.
National Producer Number: 10749349
Company
Directories
Legal