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Bankers Insurance/Carter Bank - Danville and Roanoke Virginia insurance agency.
Janet Powell - Bankers Insurance in Virginia
Janet Powell CISR
Personal Lines Account Manager
" Caring about protecting your assets"

Health Insurance

Bankers Insurance/Carter Bank & Trust is here to help you with all of your health insurance needs. We are staying informed to all of the changes in the health insurance industry so that we can help you and your family with important decisions. The Affordable Care Act (Obamacare) has arrived and we want to be your number one resource for questions and enrollment. We are licensed and ready to enroll individuals and businesses on the new health insurance plans. We have access to Anthem, Coventry One and Optima Health who are all participating both “on and off the exchange.”

There are a couple main points to remember regarding The Affordable Care Act. Most Americans must be enrolled on a qualified health plan in 2014 or face a potential penalty. Second; insurance companies can no longer rate individual based pre-existing conditions. Lastly; you could qualify for a subsidy that will help with premiums.

The Affordable Care Act (Obamacare) requires health insurance plans to provide Essential Health Benefits. These benefits include:

  • Ambulatory Patient Services
  • Emergency Services,
  • Hospitalization
  • Maternity and Newborn Care
  • Mental Health and Substance Use Disorder Services
  • Prescription Drugs
  • Rehabilitative and Habilitative Services
  • Laboratory Services
  • Preventive and Wellness Services
  • Pediatric Services including Oral and Vision
We are aware that The Affordable Care Act is very confusing. Therefore we decided to write a series of articles on parts of the act that we feel are important. The links and subjects of the articles are below.

Affordable Care Act - Articles

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