Today’s Health Insurance Marketplace
With the passing of the Affordable Care Act (Obamacare) in 2010, the health insurance landscape has changed dramatically.
The good news is that nobody can get turned down for health coverage and many individuals and families will qualify for government help to pay the monthly premium.
The not-so-good news: health care costs are anticipated to rise considerably in the near future. Smart Health & Life insurance Agency & Life insurance Agency is certified to offer all health plans on and off the federal and state exchanges.
How Do I Get Affordable Health Insurance?
Protect you, your family and your business from financial ruin. Do not take chances with your health or your financial assets. Make sure you have some sort of medical insurance in place at all times.
At Smart Health & Life insurance Agency & Life insurance Agency we are certified to offer all health plans on and off the federal and state exchanges. You would purchase a health plan on the exchange if you qualify for a subsidy. Off the exchange if you do not, and this all depends on your qualification status.
With such a wide range of options, it’s wise to have guidance through your decision. Contact us to find out your qualification status.
How to Choose the Right Plan
Although most people have health insurance coverage through their employer, you might be looking to shop for alternatives. Even if you are a business looking to offer a comprehensive health insurance plan to your employees, Smart Health & Life insurance Agency can help.
If you are looking for a place to start, shop on our easy to use Affordable Care Act quote link, here.
You’ll encounter some confusing terms while shopping for a healthcare plan, like HMO, PPO, EPO, and POS plans. Your choice will depend heavily on out-of-pocket costs and a summary of benefits.
Beware of shopping for health insurance online using unknown quote links! It’s fine to do research this way, but always discuss your options with a licensed insurance broker to ensure your needs are met.
Major Medical & Severe Illness Insurance
In addition to standard health insurance, Smart Health & Life insurance Agency offers Major Medical and other short term medical insurance plans to protect you when the unthinkable happens. This includes accident/injury insurance, critical illness, as well as Cancer, Heart Disease, and Stroke Insurance.
It is a sad fact that you have a one out of three chance of being hit with a critical illness before the age of 70. Does cancer or heart disease run in your family? If so, the odds are not in your favor. Even with a comprehensive Health or Medicare plan, there are still massive out-of-pocket costs you could be responsible for, such as deductibles, coinsurance, and copays.
A Critical Illness policy costs very little and covers a lot. A plan like this can literally mean the difference between a stress-free recovery or bankruptcy due to unpaid medical costs. Critical Illness (CI) policies are easy to qualify for and cost less than a couple of pizzas a month. Isn’t that worth the peace of mind this insurance will bring?
What Plans Are Available?
There are many choices available to you, but most individual health insurance plans fall into these broad categories:
- Major Medical PPO
- Short Term Major Medical
- Limited Medical Benefit
- HSA Qualified High Deductible Health Plan
- Medigap Medicare Supplemental Insurance
- Medicare Part C Medicare Advantage
To protect yourself when the unthinkable happens, contact Smart Health & Life insurance Agency to discuss your options. Keep yourself and your family safe from financial hardship.