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12BODYOFCHRISTNEWSOCTOBER2013BythetimeyoureadthistheopenenrollmentperiodfortheHealthcareExchangewillhavestarted.IstheAffordableCareActakaObamacareagoodchoiceforyourfamilyLetsputpoliticsasideanddiscusswhattheACAreallyis.Obamacareismadeupoffourplanswhichare1.ThePlatinumplanwhichis9010meaning90iscoveredbyhealthinsuranceandtheremaining10fallsbackontheinsuredtobepaidthroughco-paysdeductiblesorco-insurance.2.TheGoldplanwhichis80203.TheSilverplanwhichis7030and4.TheBronzeplanwhichis6040.Morethanlikelythe6040willbethemosteconomical.Obamacarerequiresahealthinsuranceplanmeets10EssentialHealthBenefits.Ifyourplandoesntmeetthosecriteriaexpectaletterinthemailfromyourinsurancecompanysayingyouarenotincom-pliancewiththeACAandyouneedtogetaplanthatis.The10EssentialHealthBenefitsareasfollowsnAmbulatorypatientservicessuchasdoctorsvisitsandout-patientservicesnEmergencyservicesnHospitalizationnMaternityandnewborncarenMentalhealthandsubstanceusedisorderservicesincludingbehavioralhealthtreatmentnPrescriptiondrugsnRehabilitativeandhabilitativeservicesanddevicesnLaboratoryservicesnPreventiveandwellnessservicesandchronicdiseasemanagementnPediatricservicesincludingoralandvisioncareWhentherateswerereleasedonAugust162013anexampleofa40yearoldmalewasgiveninthedifferentmajorcitiesinColoradounderthefourplans.InDenverforexampletheBronzePlanforthatmalewouldbeanywherefrom186to361permonth.Twoimportantaspectstonoteathisistherateforanindividualnotafamilyandbitdoesnottellyouwhatthedeductibleis.Thoseaspectswerenotstatedinanyplanlevel.Ifyoureshockedbythosenum-beryouprobablydontwanttoknowtheratesfortheotheroptions.TheopenenrollmentperiodfortheHealthcareExchangeisOctober12013throughMarch312014.Besuretodoyourhomeworkonwhatyouoryourfamilyneeds.Yourhealthcaredependsonit.IsObamacareaGoodChoiceTaffyWagnerByTaffyWagnerDr.TaffyWagnerisaCertifiedEducatorinPersonalFinancesBestSellingAuthorandRegionalSalesDirectorforAmeriplan.Youmayalsovisitherwebsiteatwww.taffywagner.comtofindoutaboutupcomingseminarsinthemetroarearegardingObamacareorifyoudlikehertocomeandspeaktoyourmembers.HEALTHCARE