Affordable Care
Health Insurance and Metal Plan
Common Type Of Health Plan
Type of Other Medical Insurance
HEALTH INSURANCE
“The Affordable Care Act (ACA), also known as OBAMACARE, is a redesign Health Care for 26-64-year-old individuals of families. It provides easier access to Medical Care. It is a reduced or no cost for people with income below certain levels. This is done in the form of issued Tax Credits. Depending on how much money you make, you may qualify for a subsidy that may cover a considerable portion of your monthly premium.
You can choose a plan or policy that covers a percentage of doctor’s visits, medical, specialists, surgical, hospital bills, and prescription drug expenses.
Not having a Health Insurance is a risk, not only for the preservation of your health but also for you and your family’s financial security.
Health Insurance may be offered by your employer, private insurance or
“On-Exchange” with Subsidy.
Call us to find out if you qualify
HEALTH INSURANCE METAL LEVEL
Bronze, Silver, Gold, and Platinum
These “metal levels” are based on how you and your insurance plan share costs. It is what your insurance company pays versus what you pay in deductibles, coinsurance or copays. Metal tiers indicate how you and the insurer will divide the share of health costs A more “expensive” metal, such as gold or platinum, means the insurer pays a higher share of the cost of a given service or supply. A less expensive metal, such as bronze or silver, means the consumer pays more of the cost.
Common Type Of Health Plan
HMO-Health Maintenance Organization:
A health insurance plan that usually limits coverage care from doctors who are in contract with the HMO. It generally won’t cover out-of-network care except in an emergency. It is focus on prevention and wellness.
PPO - Preferred Provider Organization:
A plan where you pay less if you use providers in their plan’s network. You can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.
EPO- Exclusive Provider Organization:
A care plan where services are covered only if you use doctors, specialists, or hospitals in the plan’s network (except in an emergency).
POS - Point of Service:
A plan where you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. Require you to get a referral from your affordable care doctor in order to see a specialist.
HDHP -High-deductible health plans:
A plan with a higher deductible than a traditional insurance plan which may be linked to health savings accounts (HSAs). The monthly premium is usually lower, but you pay more health care costs yourself before the insurance company starts to pay its share (your deductible). A high deductible plan (HDHP) can be combined with a health savings account (HSA), allowing you to pay for certain medical expenses with money free from federal taxes.
SHORT TERM HEALTH INSURANCE
It provide a temporary medical coverage, with limited duration. when you are between health plans, outside enrollment periods, and need some coverage in case of an emergency. Some customers doesn’t want to pay high ACA costs and need much more affordable than major medical plans. Most plan may not cover treatment for pre-existing conditions, maternity care, and mental health and other item. While short-term health insurance is considered major medical coverage by some state regulators and is sometimes referred to as “short-term major medical,” it is never considered minimum essential coverage.
FIXED BENEFIT HEALTH INSURANCE
It is also known as fee-for-service plan. It is a healthcare plan that allows you to choose the doctor, healthcare professional, hospital or service provider of your choice and gives you the greatest amount of flexibility and freedom. The plan helps provide protection against the costs of medical expenses.
ACCIDENT MEDICAL INSURANCE
Accident insurance is supplemental insurance that is optional and is meant to supplement existing insurance. It is an extra layer of protection that pays you cash when you suffer an unexpected, qualifying accident. It provides you money to cover any extra, out-of-pocket expenses that may incur associated with your injury.
CRITICAL ILLNESS PROTECTION
Sometimes called catastrophic illness insurance. In the event of a big health emergency, such as cancer, a heart attack, or a stroke, critical illness insurance could be the only thing standing between you and financial ruin. The costs of treating life-threatening illnesses are usually more than any standard health insurance plan will cover. It is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses stated in an insurance policy.
HOSPITAL INSURANCE PROTECTION
Hospital insurance, is a plan that pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons, or for other medical services, depending on the policy. It supplements your existing health insurance coverage by helping pay expenses for hospital stays. Depending on the plan, hospital indemnity insurance gives you cash payments to help you pay for the added expenses that may come while you recover.
DENTAL
A basic dental plan covers preventive care such as checkups, cleanings, x-rays, and a few basic procedures, like cavity fillings. Full coverage plans cover much more – and often at a lower out-of-pocket cost to you, they may cover a wider range of preventive procedures such as fluoride treatments and sealants in full or with just a small copay. Any dental coverage is better than no dental coverage. Some services are covered immediately and for others there is a waiting period.
Better Health Care is Our Mission
Fill the form and we will contact you ASAP