Full Coverage Plans
ACA Plan
Federal regulated plan covering:
- 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
- Preventative and wellness services and chronic disease management
- Pediatric services, including oral and vision care
Enrollment
November to December 15th is the standard enrollment period, otherwise you may apply under these special conditions:
- Lost Health Insurance Coverage- Your employer, COBRA, a plan you bought, spouse/dependent, medicare, medicaid or CHIP
- Household Change- Had a baby, placed a child into foster care, adopted a child, got legally separated and lost health insurance, your employer, or COBRA
- Moved- New ZIP Code or county, or from out of the country
- Residency- Became U.S. citizen, gained status as a native american, or released from incarceration
- Military Service- Started or ended military service
Short Term
State regulated plan. Plans vary state to state so you want to make sure you are covered for what you need. Typical exclusions:
- Maternity (Pregnancy)
- Dental & Vision
Enrollment
Anytime
Supplemental Coverage
Hospital & Doctor
Coverage for doctor visits and hospital care
Accident
Helps in covering expenses from unexpected injuries
Travel
Covers illness and injury expenses which incurred while traveling
Critical Illness
Insurance for a specified illnesses:
- Cancer
- Hear Attack
- Stroke
- Organ Transplant
Disability Income
Provides income due to disability that prevents insured from working
Long-Term Care
In the event you cannot take care of yourself this coverage can provide:
- Assisted living facility
- Nursing Home
- Home
Glossary
Plan Types
Exclusive Provider Organization (EPO)
Health Maintenance Organization (HMO)
Health Savings Account (HSA)
Preferred Provider Organization (PPO)
High Deductible Health Plan (HDHP)
Point-of-Service (POS)
Payments
Co-Pay
A co-pay may disregard the deductible, co-insurance and out of pocket maximum. The co-pay is subject to specific services on your plan. For example, if your co-pay is $5 per generic brand prescription, each time you go to the pharmacy to obtain this or get a refill you will need to pay $5.
Deductible
A dollar amount required for the insured to pay before the insurance company will pay your medical bills. This dollar amount may be per person/family on your plan.
Example
Your family deductible is $900 and your individual deductible is $1,000. You went to the doctor for an annual checkup costing $200 and the following week your son went to the ER for an injury with a bill of $1,300, then the insurance company will pay $500 (1,000 – 200 – 1,300) of your son’s bill along with paying co-insurance for each bill afterward.
Co-Insurance
After a deductible is meet, co-insurance for each medical bill is implemented.
Example
Co-Insurance for doctor visits are 80%, which means you pay 20% of the bill. If the bill was $1,000, then you would pay $200.
Out of Pocket Maximum
The maximum amount an insured would pay after a deductible was meet.
Example
The deductible was $1,000, co-insurance is 80% and the out of pocket maximum is $1,500. You received an injury with a bill of $1,500, you would pay $1,100 (1,000 deductible + 20% co-insurance * 500 remaining bill after deductible was met). Your son was sick and admitted to the hospital a month later leaving a bill of $10,000, you would pay $1,400 ( 10,000 bill * 20% co-insurance – 100 from going over deductible previously). Any more medical bills after this will be covered completely covered.
The insurance company paid $400 ((1,500 bill – 1,000 deductible) * 80% co-insurance) for the first incident and $8,100 (10,000 bill * 80% co-insurance + 100 from the insured going over deductible previously) for the second.
Premium
The dollar amount that you pay consistently to the insurance carrier to own an insurance policy.
Other Terms
Inpatient/Outpatiet
Inpatient care is when medical conditions require you to stay overnight at a medical facility (eg. Hospital). Outpatient care is when your medical conditions are resolved and you do not need to stay at the medical facility overnight.
Affordable Care Act (ACA)
The legislation that standardized health insurance and made it mandetory insurance
Days of Coverage
Short-term health insurance plans have a specific amount of days that you are covered for. You will be able to specify the amount of days (30-366).
Lifetime Maximum
The maximum amount of dollars an insurance company will spend on your insurance plan
Benefits*
- Ambulance
- Autism Spectrum Disorders
- Dental Services
- Diabetes
- Diagnostic Testing
- Doctor Office Visit
- Durable Medical Equipment
- Emergency Room
- Home Health Care
- Hospital Services
- Maternity
- Medical Supplies
- Mental Nervous
- Newborn Care
- Outpatient Surgery
- Physician
- Prescription Drugs
- Preventative Care
- Rehabilitation and Extended Care Facility
- Specialist
- Spine and Back Disorders
- Therapeutic Treatments
- Transplant Expense
- Urgent Care
- X-Ray
*This is not an all inclusive list and may vary by plan, carrier, and state.
Frequently Asked Questions
Do we insure people with bad health?
Yes! Anyone who is a citizen of the United States is given healthcare as a natural right and will be provided for despite their health history.
What payment methods do we accept?
Payments through a mortgage, direct billing through mail, EFT (Bank Account), debit and credit cards.
How can I file a claim?
Your healthcare provider’s billing department should file your claim for you. If you have any questions about your bill it is best to contact your insurance provider and healthcare provider’s billing department directly.
Am I fully covered under my employer's health insurance? No
The real question is my employer’s health insurance good enough to meet my needs. We can help you answer this question and find a health insurance plan compatible with your employer’s health insurance.
If you can’t find your answer here, please don’t hesitate to ask a representative through our messaging system or email