Healthcare Insurance Marketplace Topics

Individual Plans

The advantages of enrolling in an individual health care plan are endless. A few of these great benefits include the ability to customize the plan that is right for you, look at our Health Insurance Quotes to choose what is affordable for you, and add a vast amount of optional benefits to your plan.

There are numerous types of plans from health savings account, high deductible health plan, to catastrophic plans. Another option would be Individual Family Plan. These several options can be thoroughly explained to you by your licensed insurance broker.

A major factor in deciding what Medical Insurance is most favorable to you is of course, affordability. Many are apprehensive about requesting information on health insurance premiums because of the concern of cost. However, plans offer a variety of co-insurance and deductible alternatives to help you make a choice that you would be comfortable with, both financially and for peace of mind that you are covered.

Many individuals are unaware that you can add benefits to your plan to fit your needs. By adding optional benefits like term life insurance, dental coverage, vision coverage, and/or supplemental accident benefits you tailor your needs as an individual. There are many options to choose from and your licensed broker can tell you what would be most beneficial to you.

Individual health care plans can suit many individuals. For example, it can be for a person who wants an alternative to their group employer insurance, if they are self-employed, or working for a company that simply does not offer health care plans to their employees. Individual health care plans are portable, which means you can keep your plan until the age of 65 or Medicare (Senior Health) age regardless of your employment situation.

Individual health care plans provide a safety net for uncertainty, replacing the unknown with a strong sense of security and giving you peace of mind. You could buy direct from the insurance Carrier, but they’re not going to show you how their plans stack up against competitors. When you shop online through a licensed agent like
HealthCare Enrollment you can compare plans with different insurance companies, ultimately finding the right plan, affordable Health Insurance Quotes, without any additional costs to you.

HealthCare Enrollment is now Open! Apply or Make Changes.

Connect with a HealthCare Enrollment Representative by phone, call: 1(844) 218-9777

Group Plan

Group Health Care insurance plan, also known as employer group insurance, is Medical Insurance specifically created for a business’ employees. There are many advantages to offering your employees health insurance. Here are just a few:

• Employee retention – People tend to think twice before switching jobs when their current job offers benefits
• Tax Advantages – usually whatever you contribute toward your employee’s premiums can be a tax write-off
• Liberal Underwriting – usually everyone gets accepted to a group plan regardless of health conditions

We can find a solution for your business regardless of the size of your business or the industry that you are in.

In order to be insured by the group insurance, usually, a full-time position is required by the company. Generally, there are no health condition exclusions imposed provided that you are an employee of the company. Group insurance has open enrollment periods that vary based on the insurance provider and depending on the state you live in, the employer is required to contribute a portion of the Health Insurance premiums.

Not Interested in covering your employees – Visit our Self-Employed Health plan Page

HealthCare Enrollment is now Open! Apply or Make Changes
Connect with a HealthCare Enrollment Representative by phone, call: (800) 532-5743

Self Employed Plan

If you are new to Self-employment or already a small business owner, chances are that you believe Medical Insurance isn’t a top priority for you. However, it should be a top priority. Entrepreneurs are fortunate to have the option of obtaining self-employed health care plan insurance. Whether your business is setup as a sole proprietorship, partnership, corporation, or limited liability company; you can still protect yourself and your assets from mounting medical bills with health insurance quotes for self-employed health care insurance plans.

According to a Harvard Study conducted in 2003, half of the approximately 1.4 million personal bankruptcies were caused by illness and medical debt.

Popular health care insurance products for self-employed individuals are a Health Savings Account (HSA), a compatible health care plan with tax favored treatment.

The basics of Health Saving Accounts (HSA) are:

• You can write off medical expenses
• 100% coverage (co-insurance)
• Wellness or preventative care (physicals)
• You can choose Health Insurance Quotes for lower Health Insurance Premiums

As a small business owner you have many options as to the type of coverage you need and can afford. Call us for a free consultation today!

Looking for a Group Policy to cover employees? – Visit Our Group Plan page

HealthCare Enrollment is now Open! Apply or Make Changes
Connect with a HealthCare Enrollment Representative by phone, call: (800) 532-5743

Short Term Plan

Short term health insurance, also known as temporary Medical Insurance, is exactly as the name suggests. Short term insurance is a major medical health insurance plan for a predetermined duration of time, usually 6 months or less. Short Term insurance is ideal for individuals between jobs or a recent college graduate looking to get into their career field. Short term plans generally have lower Health Insurance Premiums than an Individual Family Plan. Be sure to speak with an agent to be sure that this is the best fit for you.

HealthCare Enrollment is now Open! Apply or Make Changes
Connect with a HealthCare Enrollment Representative by phone, call: (800) 532-5743

Dental Insurance

Having a toothache is one of the most uncomfortable and painful feelings you can have. As soon as you start feeling that pain in your tooth you immediately go to the dentist. Wow, you feel so much better now that the dentist relieved the pain. Then you get slapped with the bill. The pain is no longer in your tooth, it‘s in your wallet. Make sure you always have Medical Insurance with a dental plan, in it can be very affordable.

What is Dental Insurance?

Various dental insurance plans are available for individuals and are designed to help offset the costs associated with dental care. The most common types of dental insurance are PPO’s and Indemnity dental coverage. With dental coverage you can choose the option of having dental coverage included on you Individual Family Plan, in return you can save on your Health Insurance Quotes, or you can purchase dental insurance separately if you prefer.

Benefits of having Dental Insurance

• Dental coverage leads to better dental care
• Minimal out of pocket expenses
• Your will receive the best treatment available

Did You Know?

Scientific data have revealed that gum disease can cause heart disease

HealthCare Enrollment is now Open! Apply or Make Changes
Connect with a HealthCare Enrollment Representative by phone, call: (800) 532-5743

Common Reform Questions

I have been denied coverage in the past.

Starting October 1, 2013 all individuals that apply will have guaranteed acceptance. Regardless, of any pre-existing condition(s) all carriers must approve all applicants. For instance, any individual with diabetes will be able to apply and be accepted for any health plan in the marketplace.

Is it true premiums will increase due to certain illnesses or diseases?

No, Starting January 1, 2014 all plans are guaranteed without any rate ups or riders. Pricing is based on age, tobacco use, and zip code.

Am I qualified for Obama Care?Most of the benefits are available to any individual that buys health Insurance.

Am I required to have Health Insurance starting January 1, 2014?

Yes, most individuals will have to have health Insurance. Individuals that do not have a qualified health plan will be subject to a tax penalty. For more information please call 866-396-9140

I do not qualify for Medicaid and cannot afford the new premiums.

Insurance can be expensive. However, you might qualify for a subsidy. A subsidy is a tax credit designed to help pay for all or some of your premiums. To see if you qualify for a subsidy “click here calculator”.

My current health plan compared to the new Obama care plans.

Current private plans are based on health status and age. Older plans have lifetime maximums and do not cover maternity benefits. The new Obama Care plans are guaranteed coverage, regardless of any pre-existing condition or health Status. Obama Care plans have no annual or lifetime maximum’s and provide maternity benefits at no extra charge.

Can I keep my existing health plan?

Yes, you can keep your current health plan as long as it meets as a qualified health plan. Benefits of keeping your health plan are primarily to keep your premium lower, since benefits are not as rich as the Obama Care Plans. It’s suggested to speak to a licensed Broker to determine what will be your best option.

I am planning to have a baby in the near future, how much is maternity?

Great news! All plans will automatically have maternity coverage. Maternity coverage will be at no extra cost on all plans through the federal facilitated market place.

This is so confusing, how am I going to find the right plan?

Yes shopping and researching for health insurance can be a daunting task. Have no worries, HealthCare Enrollment is designed to help consumers have a better understanding on how health insurance works. We are here to help you find the most comprehensive and affordable plan. Call now for assistance 866-396-9140

HealthCare Enrollment is now Open! Apply or Make Changes
Connect with a HealthCare Enrollment Representative by phone, call: (800) 532-5743

Cobra Plan

COBRA is a law known as the Consolidated Omnibus Budget Reconciliation Act of 1985. Cobra medical insurance plan is a continuation of an individual’s employer group insurance. COBRA is NOT a policy conversion. COBRA provides continued group coverage for terminated employees. If an employee voluntarily leaves their place of employment, they are usually ineligible for COBRA health care insurance plan. COBRA does carry a steep cost because whatever the employer was contributing is no longer being contributed and the employee is responsible for 102% of the health insurance premiums. The additional 2% is added for administrative expenses accrued. If an employee has preexisting conditions that would make them ineligible for an individual family plan it is in their best interest to elect for the COBRA health care insurance. COBRA usually lasts up to 18 months.

HealthCare Enrollment is now Open! Apply or Make Changes
Connect with a HealthCare Enrollment Representative by phone, call: (800) 532-5743

Senior Health Plans

Having the right senior health plan to protect you is very important. No one wants to get caught with a bunch of unexpected medical bills. The first day of the month you turn 65 you should enroll in a senior health plan. There will be an open enrollment period of six months. While in this initial open enrollment period you may not be declined for coverage and your preexisting conditions would be covered. After the first six months, if you decide to go with a different senior health plan you may be subject to underwriting at that time. So, choose your senior health care coverage carefully.

Senior health plans are also referred to as Medigap plans or Supplemental Insurance Plans. The reason for that is they cover the “gaps” in Medicare. Medicare has deductibles, coinsurance and copayments you are still responsible for paying. Senior Health Insurance would alleviate you from these burdensome costs of medical bills and confusing deductibles and copayments. Some of the gaps that these insurance products would cover are hospital deductibles, doctor copays, pints of blood and out of country emergency care.

Senior health plans also include Medicare Advantage Plans. Medicare Advantage will generally have low premiums in exchange for doctor and prescription co-pays and replaces Medicare Part A & B coverage. To qualify for either Medigap or Medicare Advantage insurance you must be enrolled in Medicare and over the age of 65.

Medicare is a federal insurance program for adults of age 65 and older. Medigap and Medicare Advantage; on the other hand, is sold by private insurance companies, but these policies are regulated and standardized by the government. All senior health plans sold today must abide by policy standards, basic benefits and basic coverage. In 2011, there are 11 senior health plans offered. They are: A, B, C, D, F, G, K, L, M and N. Some carriers may offer a high deductible Plan F. Carriers are not required to offer all 11 senior health plans.

Unfortunately the task of finding the right solution for your senior health plan is not an easy task and that is why we have State Licensed health insurance agents waiting to help you find the best plan at the best price.

HealthCare Enrollment is now Open! Apply or Make Changes
Connect with a HealthCare Enrollment Representative by phone, call: (800) 532-5743

Individual Family Plan

When it comes to one’s family, we always want the very best for them. When it comes to their health and wellbeing, one should not take the chance and go without Medical Insurance. It can be far more costly to be without, both financially and emotionally.

Whether you are single, married without children, or a full family; an individual family plan might be exactly what you are looking for. If your employer does not offer health benefits or if you are self-employed an individual family plan will offer doctor visit copayments, prescription coverage, OBGYN preventive visits, child immunizations and much more of today’s health essentials. Individual family plan will also cover you from more catastrophic events such as hospitalization, cancer treatments, and ER visits to name a few.

Many insurance carriers offer individual family plan but the plan’s deductibles, copayments and coinsurances will differ, so it is very important to weigh out your options and work closely with your broker or agent to be sure you buy the right individual family plan.

HealthCare Enrollment is now Open! Apply or Make Changes
Connect with a HealthCare Enrollment Representative by phone, call: (800) 532-5743

Maternity Plans

Having a child is a true blessing but unfortunately there is a financial burden associated with having them. I’m not talking about diapers, milk, formula, or an iPod, a car, or even college (the list really never ends). The cost of actually having the baby can be expensive. The list really begins with doctor visits, prenatal care, ultrasounds, and a hospital visit.

It is imperative to plan ahead (before you get pregnant) and obtain a Medical Insurance plan with maternity included. Not all plans include a maternity benefit so be sure to choose your plan carefully. Also, maternity Medical Insurance cannot be purchased once you become pregnant and cannot be purchased “by itself” or “stand alone”, it must be accompanied by an Individual Family Plan or even a High Deductible Health Plan and would be included in the Health Insurance Quotes.

HealthCare Enrollment is now Open! Apply or Make Changes
Connect with a HealthCare Enrollment Representative by phone, call: (800) 532-5743

Travel Plans

You are about to leave your home, ready to catch your flight, you are suddenly overwhelmed with a feeling and you ask yourself – “Am I forgetting anything” and more often than not, we are. But it’s not our cell phone charger or belt; its travel insurance. Every day people leave their home countries and visit other countries either for business or pleasure and they do not realize that when they are out of their country their current health insurance plan is no longer valid or out of network. The result is either poor healthcare or expensive medical bills. Travel insurance will cover any illness developed overseas or injuries, accidents, or any other medical emergency you can think of.

In addition to quality Medical Insurance care, travel insurance also offers the following:

• Emergency/Political Evacuation</
• CEO / Executive Travel Program
• Worldwide Network
• Free Concierge Claim Service
• Much more…

HealthCare Enrollment is now Open! Apply or Make Changes
Connect with a HealthCare Enrollment Representative by phone, call: (844) 218-9777