When choosing a family health insurance plan, it is important to find one that meets your needs. BF Insurance offers various plans to help you find the perfect one for your situation because protecting yourself and your family against the potentially huge costs of medical expenses is important.
The Affordable Care Act (ACA) has mandated that Individuals and Families qualify for health insurance, regardless of their health history or any pre-existing conditions. The open enrollment period to sign up is typically November 15 – January 31 each year, and there are special election periods during the year for people who lose coverage for situations such as a loss of group health insurance, aged off their parents’ plan, divorce, birth, etc. You can obtain coverage through the State Exchange (Covered CA) or directly from the carriers. Plans are available in all metal tiers; Bronze, Silver, Gold, and Platinum. All plans since the ACA passed must include coverage for these 10 Essential Health Benefits, ensuring that you have complete and comprehensive coverage for Outpatient Care, Emergency Care, Hospitalization, Maternity, Mental Health, Physical and Occupational Therapy, Labwork, Pediatric Services, Preventive Screenings, and Prescriptions.
We can help you find the right plan for you and your family, taking into account your budget, expected medical needs, and the doctors, or facilities that you need to be able to access. There is no charge to have us as your agent; We are paid by the carriers directly and it doesn’t affect your pricing at all. BF Insurance offers various plans to help you find the perfect one for your situation.
