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How does Obamacare save me money?

Obamacare is taking health insurance reform by storm! Instituted by President Barack Obama, Obamacare, also known as Obama care, the Patient Protection and Affordable Care Act (PPACA), the health care reform, and the Affordable Care Act (ACA) was signed into law by President Barack Obama on March 23, 2010 and was upheld by the Supreme Court on June 28, 2012.

The main goal of Obamacare is to give more Americans access to affordable healthcare and insurance, and in addition, to reduce growth in healthcare spending in the United States.

First, Obamacare makes sure that insurance companies, already charging fortunes, does not hike up their rates. How is this possible? Obamacare insists that insurance companies must spend at least 80 percent of the money YOU are paying them, on YOUR medical care and quality improvements beneficial to YOU. Only 20 percent is allowed to be spent on other causes, like advertising, overhead, and bonuses for executive employees of the insurance companies. If the insurance companies do not follow suit, Obama care forces these companies to giving YOU a rebate. In 2012 alone, 8.5 million Americans received half a billion dollars in refunds from their health insurance companies, thanks to Obamacare.

Does your health insurance company randomly increase their rates? Thanks to Obamacare, insurance companies are now responsible for publicly explaining these random raises.

Medication is a huge expense for the American people. Health insurance companies rarely cover the costs of all necessary medications for the average citizen. As senior citizens desperately rely on Medicare to cover their health costs and especially medications, Obamacare has successfully relieved these citizens. Thanks to Obamacare, in 2010, nearly four million senior citizens received a $250 check to help with their costs. In 2011, 3.6 million people with Medicare received a 50 percent discount worth a total of $2.1 billion, or an average of $604 per person, on their brand name prescription drugs. In the future, Seniors will be seeing additional savings on covered brand-name and generic drugs while in the coverage gap until the gap is closed in 2020, thanks to Obamacare.

Obamacare has helped Senior citizens by giving recommended preventive services such as flu shots, diabetes screenings, as well as a new Annual Wellness Visit, free of charge. So far, more than 32.5 million seniors have already received one or more free preventive services, including the new Annual Wellness Visit. These services by Obamacare will help prevent the elderly from illness, saving them money, saving the government money, and thereby saving YOU money.

The number of American Senior citizens who joined Obamacare's Medicare Advantage plans increased by 17 percent between 2010 and 2012 while the costss for such plans dropped by 16 percent – and seniors across the nation have a choice of health plans, furthering the lowering of costs of medical health insurance plans.

Obamacare's Affordable Insurance Exchanges are one-stop marketplaces where consumers can choose a private health insurance plan that fits their health needs. Starting in 2014, these Exchanges will offer the public the same kinds of insurance choices members of Congress will have. Obamacare will be saving the American people millions if not billions of dollars in health coverage and care.

About Cigna Insurance Services

Cigna Insurance Services, which re-branded from FirstAssist Insurance Services in September 2013, is one of the UK's leading providers of specialist insurance services.

For over three decades, Cigna has been a ‘silent partner’ in our markets – working behind many of the UK’s largest brands. We deliver specialist and bespoke insurance solutions, which add value to customer relationships, help partners extend their customer propositions and in the process generate many millions of pounds of additional income for our partners and fair outcomes for customers who enjoy their products.

In that time, we have built an enviable reputation as one of the UK's leading providers across our core areas of insurance expertise: travel, health & accident, protection and legal protection.

Driven as a specialist business by an entrepreneurial, commercial management team, we provide a unique range of products and flexible marketing solutions for banks, insurers, affinity organisations, corporations, intermediaries and small and medium-sized enterprises.

We provide a high quality level of customer service to around two and a half million customers.

With over 160 individually tailored schemes through major UK brands, we know one size does not fit all. From the commercial arrangements to the regulatory relationship, from a full service stand-alone product proposition to wholesale risk provision, we will custom-design the perfect solution to meet your customers’ and business needs.

Why Partner with us?

As experts in creating innovative specialist insurance solutions, Cigna can help you enhance your product range and deliver that all important point of difference your customers are looking for, maximising customer value and delivering you low risk incremental income. This is underpinned by a reputation for fast, simple and effective implementation.

Our innovative products and services help you:

  • Deliver customers greater value
  • Increase your product penetration per customer
  • Deepen your customer relationships
  • Support and enhance your brand
  • Drive greater customer loyalty and retention
  • Create competitive differentiation

We enhance and add value to your customer propositions through our specialist knowledge and insight.

We respect and reinforce your brand values – and all of this for minimal effort and investment on your part.

Our flexible, modular approach really sets us apart. Working in partnership with you, we will work to deliver a bespoke solution to meet your requirements and budget. We offer a wide range of services on a retail or wholesale basis, as stand-alone solutions or which can be added to existing products.

So, what may be specialist for you is core business for us – meaning you can relax safe in the knowledge that the experts at Cigna will work hand-in-hand with you to deliver impressive results.