Frequently Asked Questions


Health insurance is a type of insurance that covers medical expenses that arise due to an illness. These expenses could be related to hospitalization costs, cost of medicines, or doctor consultation fees. There are many different kinds of plans, with ranges of coverage and benefits. It’s important that each person finds an adequate plan for them, it must cover what they deem necessary but also stay within their budget.


Obamacare is a nickname for the Affordable Care Act (ACA) law that came into effect in 2013. This law aims to provide affordable health insurance coverage for all Americans. This law was a push for standardized healthcare, most importantly it made it illegal for an insurance company to exclude someone from coverage due to a preexisting condition. ACA provides discounts called subsidies to help all Americans afford insurance, this means anyone can receive coverage no matter their annual income.


Any individual who is a legally residing resident within the United States can apply to Obamacare. There are established income brackets that were created by the federal government which guides individuals to see what plan is best suited to their needs. As of 2021 any individual who falls below the federal poverty line is also able to acquire subsidies thanks to the new healthcare reform.


  • Ambulatory Patient Services
  • Emergency Service
  • Hospitalization
  • Maternity and Newborn care
  • Mental Health and Substance use Disorder Service (Including behavioral health treatment)
  • Prescription Drugs
  • Rehabilitative and Habilitative Services and Devices.
  • Laboratories Services
  • Preventative and Wellness Services and Chronic Diseases Management.
  • Pediatric Services including Oral and Vision Care


Health Insurance is necessary for any individual because health insurance helps to cover any expense from medical care for you and your family. Most plans provide you a network of doctors, specialists, healthcare practitioners, and facilities to choose from. This network helps keep your costs lower. Health Insurance also gives you peace of mind, knowing that you have help if you need it. Having a healthcare plan encourages individuals to seek healthcare on a more constant basis, this helps with preventive care, most healthcare plans provide 100% coverage for preventive care. If you were to get sick or have an emergency a healthcare plan will help cover the cost of care, otherwise, you would be left on your own covering the high cost of healthcare.


Noncovered individuals are not as likely to get preventive care. Preventive care is a vital part of any individual’s health, with regular checkups an individual could prevent serious illness. Individuals could be held responsible for any medical costs if the individual happens to get sick or develop a chronic illness. Without health coverage, a serious accident or health issue that results in emergency care and/or an expensive treatment plan can result in poor credit or even bankruptcy.

If you are interested in a new plan or need to find a plan that fits your budget reach out to us today. With a team of licensed and experienced agents, we can help you and your family find the right healthcare plan. Send us an email at zohira@lapeira.com or call us today at 954-787-6601.