Ancillary Medical Plans
Understanding the Affordable Care Act (ACA)
The Affordable Care Act also referred to as Obamacare, is designed to provide affordable healthcare through what is known as the marketplace. Those who qualify may receive income-related tax credits and subsidies by reducing monthly premiums, reducing copays, deductibles, and co-insurance. Many benefits are different from private medical plans, such as pre-existing conditions are accepted and coverage for children under 26 years old.
To learn more and see if the ACA is right for you, please reach out, please contact me.
Short Term Insurance
The healthcare marketplace is not always the best solution for everyone. If you need temporary medical insurance with options for possibly less you should consider these types of plans.
Some common reasons for Short Term Medical are:
- In-between jobs or waiting for the employer’s coverage to begin.
- Temporary health coverage before turning 65.
- Affordability
- Additional Carrier choices that differ from the marketplace.
- Coverage while at college if you cannot stay on other insurance.
- Lose coverage while outside of the open enrollment period and cannot afford COBRA
Please reach out to me to find an affordable plan that fits your needs.
Dental Insurance
Brushing and flossing your teeth is good at-home preventive care but it is not enough to keep your teeth and gums healthy over a lifetime. Dental insurance plans range from basic care such as a professional cleaning to comprehensive care. Plan costs and coverage differ. Please reach out to me for to assist you.
Vision
Having good eyesight without the need to wear corrective lenses is not an excuse for not having a vision plan. Yearly vision exams can detect issues that you cannot feel or see, Left undetected or untreated can cause quality of life issues that not only affect yourself but other around you. Please reach out to me to find an affordable plan that fits your needs.
Critical Illness
For those who are concerned about the rise of certain illnesses or have a family history of Cancer, Heart Attack and stroke. These 3 illnesses are costly to treat, with a proper critical illness plan you can offset some of the costs that you will owe with your current health plan.
Please reach out to me to find an affordable plan that fits your needs.
Hospital Indemnity (reimburses for some of the expenses)
Hospital Indemnity is an add on to your existing insurance that provides a per-day benefit during a hospital stay. Plans offer different benefit amounts per day and duration. The benefit received can be used however the beneficiary chooses to use it.
Please reach out to me to find an affordable plan that fits your needs.
