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The Payment Card Industry Data Security Standard (PCI DSS)—which was developed by the PCI Security Standards Council (PCI SSC) created by Visa, MasterCard, American Express, Discover, and JCB—is an extensive set of technical and operational standards that a company needs to follow to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.
There are many stringent requirements, including but not limited to:
PCI DSS has six major objectives, 12 key requirements, 78 base requirements, and over 400 test procedures. Click here for more information.
When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.
Although both gap health insurance and ACA health insurance plans (or Obamacare) are considered major medical insurance plans, there are significant differences between them. You should carefully analyze your situation to determine which plan is right for you.
ACA health insurance plans are guaranteed issue; you can't be denied coverage based on pre-existing conditions. ACA health insurance plans must provide the following 10 essential health benefits:
Gap health insurance plans, on the other hand, have several limitations.
From 2014 through 2018, it was neessary to be enrolled into an ACA compliant plan to avoid tax penalty. However for 2019 onwards, the penalty has been removed. Therefore, whether you enroll into ACA compliant plan or short term medical insurance, you will not have to pay the tax penalty.
You can only enroll in ACA plans during an annual open enrollment or during Special Enrollment, if you qualify. With gap health insurance, you can enroll whenever you like, and coverage can start from the next day onward.
When purchasing ACA health insurance, depending on your income and household size, you may qualify for federal tax subsidies.
When purchasing gap health insurance, however, no one is eligible for federal tax subsidies to offset the premium. In most cases, the gap health insurance premium is significantly lower than ACA health insurance.
In many states, ACA health insurance plans only provide HMO plans which don't cover out-of-network doctors. HMO plans also prevent you from visiting a specialist without visiting a PCP (primary care provider) for referral first.
On the other hand, most gap health insurance provides the flexibility to visit any doctor. Many gap health insurance plans are PPO plans that have a wide variety of healthcare providers across the country that you can visit without a referral from a PCP. Of course, if you visit providers within the PPO network, your out-of-pocket expenses will be even lower.
While ACA insurance plans are required to cover prescription drugs, most gap health insurance plans don't cover prescription drugs, and some cover only inpatient prescription drugs.
Depending on any pre-existing conditions, you may be declined from receiving gap health insurance coverage. If you are approved for gap health insurance, pre-existing conditions will not be covered.
ACA health insurance plans, on the other hand, are guaranteed issue. You can't be turned down for pre-existing conditions, and they will be covered as long as you continue paying the premium. You can also make changes to your plan during Open Enrollment or a Special Enrollment Period if you qualify.
Those with certain chronic medical conditions, complex medical needs or poor health should enroll in an ACA plan; gap health insurance doesn't cover these needs. Further, if you have had these pre-existing conditions within the past five years, you may be ineligible to enroll in gap health insurance.
Of course, everyone who is eligible for an ACA plan should enroll as soon as possible.
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
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Learn MoreHealthcare costs are very high in the U.S.
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Purchase travel medical insurance that includes emergency medical evacuation.
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