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Health Insurance Information

You may be eligible for an Advance Premium Tax Credit to help pay the premium.

Learn more about Healthcare Reform Here.            

 For an instant quote Click Here.  NOTE: These quotes are for ACA "on-exchange" plans only.  Please call our office to discuss other options that may be available for you.

  
Missed the open enrollment period?  Click Here to learn about Short Term Medical policies.


What kinds of health insurance are there?

There are essentially three kinds of health insurance: Managed Care, Fee-for-Service (or Indemnity) and Short Term Medical (STM). Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer some level of dental coverage.

Managed Care -
More than half of all Americans have some kind of managed-care plan1. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan. Most plans under the Affordable Care Act fall into one of these categories.

Fee-for-Service 

These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient. Policies of this type often pay benefits based on defined schedule. Plans may only cover pre-existing conditions after a specified waiting period of usually 12 months.  

 

Short Term Medical

Short Term Medical (STM) plans offer a quick, temporary solution when a life transition leaves you uninsured. Plans are available online and can be active within 24-hours of applying.

Please Note: Temporary policies do not cover pre-existing conditions. Temporary health insurance is also not considered minimum essential coverage under the Affordable Care Act (also called Obamacare), and even if you enroll in and maintain temporary coverage you may NOT be exempt from the Shared Responsibility Payment (tax) that may otherwise apply for not having qualifying health insurance.

1 - Source : MANAGED CARE AND THE STATES

 

  • Blue Choice Health Plan
  • Blue Cross Blue Shield
  • Mutual of Omaha
  • Humana
  • United Healthcare
  • Ohiao National Life
  • National Western Life
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