Individual Family Health Insurance

Health Insurance- Right now, the Health insurance industry is going through massive changes. Everyone needs to know the options that meet their needs. Every year new plans come into the market and older plans leave the market and we will be there to update you on the changes. We will assist you every step of the way, so there are no surprises.

Individual Major Medical coverage- is an insurance policy issued to an individual or family. Under the Affordable Care Act each plan is required to carry minimal essential benefits with no maximums. The Plans provides coverage for hospitalizations, physician visits, medical services and supplies, and prescription drugs. There is no medical underwriting. Health conditions do not matter, everybody is approved. Some individuals or families can get subsidies from the government to help pay for the plan of their choice. Subsidies are based on household income and other factors.

Health Savings Accounts (HSA)- is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP) major medical plan. The funds contributed to an account are not subject to federal income tax at the time of deposit.

Limited Benefit/fixed indemnity plans- fixed plans fit a unique niche in today’s changing market. They pay a preselected, fixed-dollar amount for routine and preventive services such as doctor’s office visits, X-rays, prescriptions and emergency room visits. Though not as comprehensive as major medical usually they are quite a bit cheaper. A lot of these plans will have medical underwriting involved before you are accepted.

Short-term health insurance- is a temporary plan selected for people who don't currently have health insurance and are waiting for eligibility for an open enrollment to a major medical insurance coverage. These plans are issued for a term of 1month to 12 months. Unlike Major Medical these plans do have maximums and do not have minimum essential benefits. Short term plans are fully underwritten. Please look over your policy benefits for the maximum coverage period allowed by the plan you selected.

Gap Plans- Gap Plans work with your major medical plan to bridge the gap in coverage that exist in your current health insurance plans by reducing or even eliminating the Out-of-Pocket expenses associated with hospital and doctor bills.

Accident Plans- These plans will pay only medical expense benefits for covered expenses that result directly and from no other cause, from a covered accident