The essentials.
And what matters to you.
Marketplace plans include essential health benefits and cover pre-existing conditions.
OBAMACARE (ACA) HEALTH INSURANCE
Your health.
Your next big step.
Insurance for your life.
Someone to help you choose.
Support in Spanish and EnglishBitCare Insurance
OBAMACARE IS ACA
A familiar name.
A world of options.
Obamacare is the familiar name for the Affordable Care Act (ACA). The Marketplace lets you explore individual and family health insurance.
The essentials.
Understand what
you could save.
It depends on estimated household income and other requirements. Your application determines available savings.
Find
your moment.
During annual enrollment or, if you qualify, a special enrollment period following certain life changes.
A PLAN IS MORE THAN ITS PRICE
Choose for
what matters.
Select a topic to learn what to check.
Your doctor.
Your peace of mind.
Recognizing the insurer's name is only the beginning. Confirm that your doctor, specialists and hospital are in the network of the specific plan you intend to choose.
Have your doctors' names and office locations ready.
What you take.
Matters too.
Check whether your prescriptions are covered, their costs and in-network pharmacies. Some may require prior authorization or have specific conditions.
Prepare a list with the name and dosage of each prescription.
See the cost.
All of it.
Your premium is the monthly payment. The deductible, copayments, coinsurance and out-of-pocket maximum for covered services also matter.
Consider both routine visits and unexpected expenses.
Timing
matters.
Confirm your enrollment period and coverage start date. A life change may open a special opportunity, depending on the program and its requirements.
If you lost coverage, keep the document showing when it ended.
FOR YOUR NEXT CHAPTER
Medicare.
A new chapter.
The same peace of mind.
If you're 65 or older, or meet certain requirements before that age, explore your options.
Explore MedicareOriginal Medicare
Part A: hospital care. Part B: medical care and outpatient services.
Medicare Advantage
A private alternative for receiving Part A and B benefits. Usually includes prescription coverage.
Prescriptions
Helps cover prescription drugs. Check your prescriptions and the plan's pharmacies.
Medigap
Supplements Original Medicare and helps with certain out-of-pocket costs. It does not supplement Medicare Advantage.
Antonio Pérez MoralYour advisor. One conversation at a time.
PEOPLE BEFORE POLICIES
Technology helps.
A person
stays by your side.
I'm Antonio Pérez Moral. I help you understand your health insurance options, review your needs and make an informed decision.
From your first question to your next step, you can talk with me in Spanish or English.
Talk with Antoniobitcareinsurance@gmail.comFREQUENTLY ASKED QUESTIONS
Fewer questions.
More clarity.
The answers you need
to take the first step.
Are Obamacare and ACA the same?
Obamacare is the familiar name for the Affordable Care Act (ACA). The Marketplace lets you compare individual and family plans that meet its requirements.
Can I keep my doctor?
It depends on the plan. Before choosing, verify that your doctors, specialists and hospitals participate in the specific plan's network.
Can I get help paying for health insurance?
Possibly, depending on estimated household income and other requirements. A Marketplace application determines eligibility and available savings. Not everyone qualifies.
Can I enroll at any time?
Each program has enrollment periods. Certain life changes, such as losing coverage or having a baby, may allow special Marketplace enrollment. We'll review the dates that apply to you.
Is Medicare the same as Obamacare?
No. Medicare is a different program, mainly for people 65 and older and some younger people who meet specific requirements. It has its own options and enrollment periods.
Does submitting the form enroll me in a plan?
No. The form requests guidance and a quote. It does not enroll you in a plan or require you to buy insurance.
A GOOD PLACE TO START
Your next step.
Let's talk.
Tell us what you need.
We start by listening.
MEET THE INSURERS
More options.
Your decision.
Plan availability varies by location. Trademarks belong to their respective owners.