Individual Health Insurance
Individual & Family
For those who are not eligible for a subsidized government plan or covered by an employer health plan, there are a few major medical insurance plans available, depending on where you live. This health insurance typically covers routine doctor’s visits, prescription drug coverage, preventative care and hospital or emergency treatment which can help prevent catastrophic expenses in the event of a health event or accident. We can help you determine the best option available in your area. Contact us to determine if you are in a Special Enrollment Period, or during Open Enrollment for a quote or help enrolling.
Short Term Medical
If you are between jobs, unable to qualify or afford individual coverage or COBRA or can’t wait for the Open Enrollment Period, short-term insurance plans provide temporary coverage with limited benefits. While these plans are not qualified health plans under the Affordable Care Act they are an affordable option.
Your current medical insurance may not cover you during travel or extended stay outside of the country. Whatever your age or situation, this affordable insurance gives you access to the best health care available during your trip or after you return.
A supplemental health insurance plan provides added medical coverages that help pay costs that are not covered by your basic health insurance plan. These can be purchased to contribute to paying for the cost of your deductible or coinsurance in the event of an accident, serious illness or hospitalization.
Examples of supplemental plans include coverage for cancer, heart attack, stroke, accidental injuries, and hospitalization for illness or injury.
Most insurance plans do not cover dental or vision for adults, but there are many standalone dental and vision plans available. Dental plans include those with no waiting periods, where you can choose your own dentist and some cover implants and orthodontics. Vision Insurance can help cover exams, glasses and contact lenses with thousands of providers including private practices and major chains.
Since the passage of the Patient Protection and Affordable Care Act (PPACA), often referred to as the ACA, residents of the US have the availability to purchase private health insurance using either the federal marketplace or one of the state exchanges. The plans found on these exchanges allow consumers who qualify to purchase subsidized health plans and pay for them using an advanced tax credit. Enrollment in a plan is restricted to an Open Enrollment Period in the fall or with a Special Enrollment Period due to specific life events during the rest of the year.
Fixed Benefit (Indemnity) Insurance
Indemnity health plans allow you to choose the doctor, hospital or service provider of your choice, covers many common health expenses and have very affordable rates. These plans pay a fixed amount for covered services and can pay the benefit directly to you. These are not qualified health plans under the ACA (Affordable Care Act) but can help provide protection against the high cost of medical expenses.