There are options out there that many people are not aware of. The Obamacare (ACA) rules give a limited open enrollment period. Outside of the open enrollment period, you need a life change that caused a change in your insurance status. These are the only plans that can cover pre-existing conditions. Healthshare programs can enroll all year and give you an exemption from the ACA penalty. Short Term Medical plans are only available for up to 90 days but make a filler. Indemnity plans pay fixed amounts and are a permanent coverage withe level premiums. Supplemental policies can be used to fill in holes caused by deductibles and out of pocket expenses. Which of these do you need? Let's work together to figure it out.
Individual Insurance Plans
The healthcare insurance landscape is undergoing dramatic changes. It's confusing for most people. But a trusted healthcare insurance advisor can clear the confusion and help you make the best choice whether you are looking for individual, ACA-approved insurance; small group insurance; or help understanding which corporate plan is right for your family.
Just the Facts Insurance helps people like you figure out the best insurance for them based on their individual needs. Certified Insurance Advisors trained to understand the Affordable Health Care Act and the Health Care Marketplace as well as group insurance plans can help you make sense of the various companies and plans out there to determine what makes sense for you and your family from a healthcare AND a financial perspective.
Don't go it alone. Let our professionals help you get Just the Facts You Need to Protect Those You Love.
Why Should I Pay for
The health insurance market is becoming more complicated and requires someone with specialized knowledge. Not everyone who has a license to sell health insurance also has a license to counsel for health insurance. With changes reported in the news daily, you need someone who is on top of the news not who just passed a test.
What does this mean for you? It means that you get an Advisor with the highest degree of knowledge and understanding of the ever changing healthcare laws.
You only have a short window of time during open enrollment to make insurance decisions that will affect your family long term. FOR 2018 THIS TIME HAS BEEN CUT IN HALF TO ONLY 6 WEEKS!! An Advisor can provide specialized advise to make the best decision in the shortest amount of time.
Healthcare is incredibly expensive. An Advisor can help you find the best insurance plan to put you in the best financial position regarding healthcare. They can make sure you are aware of all of your options - whether or not they get a commission from the insurer.
Insurance is not one-size-fits-all. Understanding your options and what you are likely to need can be overwhelming. An Advisor can bring you peace-of-mind that you are making the right decision for you loved ones.
Don't leave your family's healthcare insurance up to guess work. Make sure you have the best information possible when deciding how their healthcare will be covered. Talk with an accredited Advisor today and get Just the Facts You Need to Protect Those You Love.
Small group plans are a great option for a small business owner to consider. They allow access to broader networks and more choices than the individual market. Programs are available for groups as small as two W-2 employees (including Husband/Wife groups). A small business plan can start anytime during the year. They do have some limitations and requirements for payment and participation levels, so they will not work for everyone. There are no premium reducing tax credits on the Marketplace, but there is a possible company tax credit if you are eligible.
The biggest myth in insurance is that of "full coverage." All plans have deductibles and most have coinsurance. Even when these are low, you have to consider other expenses resulting from a medical condition such as time off of work or physical limitations that mean you need assistance with daily tasks. Supplemental insurance can help cover these expenses in the event of an accident or critical illness. This money tends to go to you rather than a doctor or hospital, so it can allow flexibility in treatment options. Reviewing your insurance for these holes is one of the services we offer.