{"id":10101,"date":"2024-10-24T17:05:51","date_gmt":"2024-10-24T17:05:51","guid":{"rendered":"https:\/\/www.acceptanceinsurance.com\/?page_id=10101"},"modified":"2024-10-24T17:07:45","modified_gmt":"2024-10-24T17:07:45","slug":"health-insurance-faq","status":"publish","type":"page","link":"https:\/\/www.acceptanceinsurance.com\/our-products\/health-insurance\/health-insurance-faq\/","title":{"rendered":"Frequently Asked Questions"},"content":{"rendered":"<div class=\"c-section\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-section__content\">\n            <div class=\"c-faqs-wrapper\">\n                <div class=\"c-faqs-categories\">\n                    <div class=\"c-faqs-categories__wrapper\"  role=\"navigation\">\n                        <h2 class=\"c-faqs-categories__title\" id=\"faqsCategoriesTitle\">Topic Categories<\/h2>\n                        <ul class=\"o-list-bare c-faqs-categories__list\">\n                                                            <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/auto-insurance-faq\/\" aria-current=\"page\">Car Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/motorcycle-insurance\/motorcycle-insurance-faq\/\" aria-current=\"page\">Motorcycle Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/life-insurance\/life-insurance-faq\/\" aria-current=\"page\">Life Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/renters-insurance\/renters-insurance-faq\/\" aria-current=\"page\">Renters Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/homeowners-insurance\/homeowners-insurance-faq\/\" aria-current=\"page\">Homeowners Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/hospital-indemnity-protection\/hospital-indemnity-protection-faq\/\" aria-current=\"page\">Hospital Indemnity Protection<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/telemed\/telemed-faq\/\" aria-current=\"page\">Telemedicine<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/pet-insurance\/pet-insurance-faq\/\" aria-current=\"page\">Pet Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/mexican-car-insurance\/mexican-car-insurance-faq\/\" aria-current=\"page\">Mexican Car Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/boat-insurance\/boat-insurance-faqs\/\" aria-current=\"page\">Boat Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/business-insurance\/business-insurance-faq\/\" aria-current=\"page\">Business Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/motorhome-and-rv-insurance\/rv-and-motorhome-insurance-faq\/\" aria-current=\"page\">RV and Motorhome Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/atv-insurance\/atv-insurance-faq\/\" aria-current=\"page\">ATV Insurance<\/a>\n                                    <\/li>\n                                                        <\/ul>\n                    <\/div>\n                <\/div>\n                <div class=\"c-faqs\" id=\"faq-list-block_d90ff78805acdaa8c8e8cd10ee8fd2fa\">\n                    <h2 class=\"c-faqs__title c-section__title c-section__title--left c-section__title--blue c-section__title--with-img\">\n                                                    <img decoding=\"async\" class=\"c-section__title-img\" loading=\"lazy\" alt=\"\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/10\/ACC-Icon-Health-1.svg\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\">\n                                                Health Insurance FAQs \n                    <\/h2>\n                    <div class=\"c-faqs__questions\">\n                                                                                                                <div class=\"c-faqs-index\">\n                                    <h3 class=\"c-faqs-index__title\"><\/h3>\n                                                                            <ul class=\"o-list-bare c-faqs-index__list\">\n                                            \n                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question1\">What is a Health Insurance Marketplace?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question2\">What is the Difference Between Individual and Family Health Insurance?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question3\">What types of health insurance plans are available?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question4\">What is the Affordable Care Act?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question5\">Why is it Important to Have Health Insurance in California?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question6\">What is a Deductible?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question7\">What are Co-Pays and Co-Insurance?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question8\">What is an Out-of-Pocket Maximum?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question9\">What is the Difference Between and In-Network Provider and Out-of-Network Provider?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question10\">What is a Pre-Existing Condition?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question11\">How Can I Find Out if I Qualify for Free Health Care in California?<\/a>\n                                                <\/li>\n                                                                                                                                    <\/ul>\n                                                                    <\/div>\n                                                        <div class=\"c-faqs-answers\">\n                                                                                                    <div class=\"c-faqs-answers__sub-category\">\n                                                                                \n                                            \n                                                                                    <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question1\">What is a Health Insurance Marketplace?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>The <strong>Health Insurance Marketplace<\/strong> (also known as the <strong>Health Insurance Exchange<\/strong>) is a government-run or state-based online platform where individuals, families, and small businesses can compare and purchase health insurance plans that meet the requirements of the <strong>Affordable Care Act (ACA)<\/strong><strong>.<\/strong> The Covered California Marketplace helps people find affordable health insurance and offers <strong>subsidies<\/strong> to those who qualify based on income.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question2\">What is the Difference Between Individual and Family Health Insurance?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>Individual health insurance covers only one person\u2014the policyholder. It provides benefits specifically for the insured individual, including medical, hospital, and preventive services. Family health insurance covers more than one person\u2014typically the policyholder, their spouse or partner, and dependent children (up to a certain age, often 26 in the U.S.). Family plans provide coverage for multiple family members under a single policy. Individual plans are generally less expensive than family plans.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question3\">What types of health insurance plans are available?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>There are several types of health insurance plans, including:<\/p>\n<ul>\n<li>Health Maintenance Organization (HMO): Requires members to choose a primary care physician (PCP) and get referrals for specialists.<\/li>\n<li>Preferred Provider Organization (PPO): Offers more flexibility to see specialists without referrals, but comes with higher premiums.<\/li>\n<li>Exclusive Provider Organization (EPO): Similar to PPOs but you must use the plan\u2019s network of doctors and hospitals, except in emergencies.<\/li>\n<li>Point of Service (POS): Combines features of HMO and PPO plans, allowing some out-of-network care.<\/li>\n<li>High Deductible Health Plan (HDHP): Has higher deductibles but lower premiums, often paired with Health Savings Accounts (HSAs).<\/li>\n<li>Catastrophic Health Insurance: Offers low premiums but high deductibles; ideal for young and healthy individuals for worst-case scenarios.<\/li>\n<\/ul>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question4\">What is the Affordable Care Act?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>The Affordable Care Act (ACA), also known as Obamacare, is a comprehensive healthcare reform law enacted in the United States in 2010. Its main goal is to make healthcare more affordable and accessible for Americans, especially those who were previously uninsured or underinsured. Covered California is California\u2019s ACA Health Insurance Marketplace.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question5\">Why is it Important to Have Health Insurance in California?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>Health insurance helps protect you from high medical costs. Without insurance, medical expenses like surgeries, hospital stays, or long-term treatments could be financially overwhelming. Health insurance also provides access to routine and preventive care, helping to manage and prevent serious health issues. It is also against the law in California to go without health insurance and you could pay a tax penalty.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question6\">What is a Deductible?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>A deductible is the amount you pay out of pocket for healthcare services before your insurance starts to pay. For example, if your plan has a $1,000 deductible, you must pay the first $1,000 of your medical costs, and after that, the insurance will begin to cover a portion of your expenses.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question7\">What are Co-Pays and Co-Insurance?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>A co-pay is a fixed amount you pay for a healthcare service (e.g., $20 for a doctor visit), usually at the time of service.<\/p>\n<p>Co-insurance is the percentage of costs you pay after you\u2019ve met your deductible. For example, you may pay 20% of the cost of a procedure while the insurance pays the remaining 80%.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question8\">What is an Out-of-Pocket Maximum?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>An out-of-pocket maximum is the maximum amount you will have to pay for covered healthcare services in a plan year. Once you reach this limit, your insurance will cover 100% of any additional covered expenses for the rest of the year.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question9\">What is the Difference Between and In-Network Provider and Out-of-Network Provider?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>An in-network provider is a healthcare provider or facility that has a contract with your insurance company to provide services at reduced rates. Using in-network providers typically results in lower costs for you. Out-of-network refers to healthcare providers or facilities that do not have a contract with your insurance company. If you receive care from out-of-network providers, you may face higher costs, and in some cases, the insurance may not cover the expense at all.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question10\">What is a Pre-Existing Condition?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>A pre-existing condition refers to any health condition you had before enrolling in a health insurance plan, such as asthma, diabetes, or cancer. Under the Affordable Care Act (ACA), insurers cannot deny coverage or charge higher premiums based on pre-existing conditions.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question11\">How Can I Find Out if I Qualify for Free Health Care in California?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>You can find out for free if you qualify for free or low-cost health insurance in California by calling our friendly, bilingual Acceptance Insurance agents. We\u2019ll help you make sense of confusing health insurance coverage. Just call us at <a href=\"tel:877-423-5651\">877-423-5651<\/a> to find out and for help.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                            \n                                    <\/div>\n                                                            <\/div>\n                                            <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":0,"parent":10100,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/10101"}],"collection":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/comments?post=10101"}],"version-history":[{"count":5,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/10101\/revisions"}],"predecessor-version":[{"id":10133,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/10101\/revisions\/10133"}],"up":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/10100"}],"wp:attachment":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/media?parent=10101"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}