Health Insurance Information
We can help make things easy to understand. We know it's not easy, and we know how confusing it can be. The important thing you need to know is that it's always free to utilize a broker with us. We never charge a fee, and the insurance is the same price if you buy from us or directly from the provider. Let us show you why having a broker on your side will save you money, and get you the right coverage.
Health Insurance has Changed
Generally speaking, if you want to purchase major medical insurance with no coverage limits including things like no-limit coverage, maternity, and free wellness exams, you must purchase a qualifying plan under the Affordable Care Act (ACA), which is also referred to as Obamacare. Generally, you can do that only one time per year between November 1 and December 15. Only ACA plans can provide those things, so if you received a quote that sounds too good to be true, it probably is.
That’s not to say there are no other health insurance options, but alternative options will have some coverage limits.Whether it's on-exchange, off-exchange, short-tern, defined benefit or Group Health Insurance, the entire insurance market has changed drastically over the years. What used to be a simple process has turned into an ordeal, and we don't think that's fair to anyone.
Get in touch with us today and let us help you do what we do best so you can focus more time on what you do best. You can also get a quote now.
ACA Compliant Health Insurance
ACA compliant coverage, also called Obamacare, are full-benefit plans including doctor-visits, prescriptions, maternity, wellness services, and no policy limits. These plans can be purchased on or off the "exchange" depending on your income and qualifications. Generally, you will need to qualify for a Special Enrollment Period, or SEP, to buy one of these plans outside of the open-enrollment which runs Nov 1 to Dec 15 each year. If you think you qualify for an SEP, contact us and let’s find out. If you wish to purchase one of these plans, talk to a broker first. It costs you nothing, and they know the good, bad and ugly of all these plans, and will help you find the best plan for you, or get a quote now.
Short Term Health Insurance
These plans provide coverage in six-month increments and must be renewed every 6- months. In some states, these plans can auto-renew, and in others, you must renew them. In other states you may be limited to how many renewals you can have in one calendar year. Some of these plans have doctor-visits built in, but others don’t. All of these plans come with negotiated rate prescription coverage. These plans are not for everyone, so talk to a broker to discuss if you qualify and if it’s the right plan for you, or get a quote now.
Defined Benefit Health Insurance
Defined benefit plans are the newest, latest and greatest in the health insurance world. Because of increasing rates in health insurance premiums, especially for those who don’t qualify for a subsidy, defined benefit plans might be the answer. These plans not only provide network pricing and negotiated rate, but also include an element of indemnity coverage to pay for medical bills. These are sometimes confused with Limited Benefit Plans, which are essentially nothing more than a discount plan. Most of the too-good-to-be-true plans that are out there fall into this category, but Defined Benefit Plans are real, true health insurance. Check out the details or talk to a broker to determine if it’s right for you, or get a quote now.
Limited Medical and Negotiated Rate Plans
Negotiated Rate Plans plans provide no actual coverage, but instead provide you a negotiated rate when going to the doctor, hospital, or when picking up prescriptions. These plans should only be used by people who have enough money to pay their own medical bills, including hospitals stays, as even with the negotiated rate, the cost would be excessive for even the smallest things. If you received a call promising you affordable health care from a name-brand carrier, it's likely one of these plans they will try to sell you. Don't buy one of these plans until you talk to a broker. In the end, these plans cost far more than your monthly premium, and typically save you no more than you would receive by negotiating a rate with a doctor or hospital on your own.
Remember, using a broker is free. You pay the same price whether you receive assistance from a broker or do things on your own. Brokers are paid by the insurance company, and in many cases, it's the same or very close to the same for any plan they show you. This means you won't find a broker pushing a plan on you because they make a higher commission on that plan. Our brokers are dedicated to helping people, and we'd like to help you! You can talk to a broker or request a quote now.