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1. Get in touch with us via chat, email or phone.
Anytime you need help-whether choosing, using, or understanding a plan-just give them a call.
2. Calculate your most affordable health plan.
Did you know that 8 out of 10 people qualify for subsidies to make their monthly premiums more affordable and many plans have a monthly premium of less than $75 a month after tax credits!
3. We’ll take care of the rest.
We can help you enroll through the Marketplace or handle the whole process..
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Have questions about your claim?
Whether you're thinking of buying an Obamacare plan or have already signed up, here's what you need to know.
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Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations.
When possible, most people would prefer to have their employer provide group health insurance coverage. But, if this is not an option for you, it is still important for you to seek coverage. You may be pleasantly surprised with the variety and affordability of the individual and family health insurance options available.
Individual and family health insurance plans are usually described as either "indemnity" or "managed-care" plans. Put broadly, the major differences concern choice of health care providers, out-of-pocket costs, and how bills are paid.
Typically, indemnity plans offer a broader selection of health care providers than managed-care plans. Indemnity plans pay their share of the costs for covered services only after they receive a bill (which means that you may have to pay up front and then obtain reimbursement from your health insurance company).
There are several different types of managed-care health insurance plans. These include HMO, PPO, and POS plans. Managed-care plans typically use health care provider networks. Health care providers within a network agree to perform services for managed-care plan patients at pre-negotiated rates and will usually submit the claim to the insurance company for you.
As a member of a PPO (Preferred Provider Organization) plan, you'll be encouraged to use the insurance company's network of preferred doctors and hospitals. These health care providers have been contracted to provide services to the plan's members at a discounted rate. You typically won't be required to pick a primary care physician but will be able to see doctors and specialists within the network at your own discretion.
You will probably have an annual deductible to pay before the insurance company starts covering your medical bills. You may also have a copayment for certain services or be required to cover a certain percentage of the total charges for your medical bills.
With a PPO plan, services rendered by an out-of-network physician are typically covered at a lower percentage than services rendered by a network physician.
Though there are many variations, HMO (Health Maintenance Organization) plans typically give members lower out-of-pocket health care expenses but also offer less flexibility in the choice of physicians or hospital than other health insurance plans. As a member of an HMO, you'll be required to choose a primary care physician (PCP). Your PCP will take care of most of your health care needs. Before you can see a specialist, you'll need to obtain a referral from your PCP.
With an HMO, you'll likely have coverage for a broader range of preventive health care services than you would through another type of plan. You may not be required to pay a deductible before coverage starts and your copayments could be minimal. With an HMO plan, you typically won't have to submit any of your own claims to the insurance company. However, keep in mind that you'll likely have no coverage at all for services rendered by non-network providers or for services rendered without a proper referral from your PCP.
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