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Health Insurance

Health insurance is needed to handle catastrophic medical events whether from an accident or illness.

Having health insurance is important for several reasons. Uninsured people receive less medical care and less timely care, they have worse health outcomes, and lack of insurance is a fiscal burden for them and their families. Moreover, the benefits of expanding coverage outweigh the costs for added services. Safety-net care from hospitals and clinics improves access to care but does not fully substitute for health insurance.

The number one reason for someone filing for bankruptcy has been due to medical bills.  Protect yourself and your family for catastrophic events whether it’s due to an illness or accident, or even childbirth.

Take a few minutes to check out the various options to provide coverage,
based on your need and your budget.

OPTION 1 – Traditional Fully Insured Plans

On these fully insured plans, you have access to compare multiple available individual plans from Blue Cross/Blue Shield to Aetna.  By going through the available call center, they can compare multiple health plans, provide recommendations of coverage based on your budget, and get you signed up.

If you already have health insurance on your own, or maybe through a company, compare your prices and coverage to what we can offer.  Certainly, it’s worth taking a comparison peak.

NOTE:  If you are on COBRA currently, or other coverage, and wish to obtain new coverage, do not cancel coverage until you have been fully accepted.  The reason for this is that you, and anyone you wish to have covered, will need to medically qualify for the plan from an underwriting standpoint.  In other words, if you have a major health issue, stay where you are.

Call 800-282-8626 today to speak with a representative who can provide a comparison quote.

OPTION 2 – Temporary Health Plan

Temporary health plans may be provided through the normal big health providers as well as other well-known reputable insurance carriers.  Historically, temporary health plans may only be in force for only 6-months.  Now, a temporary health plan may be in force for up to 3 years depending on state.

Benefits of a Temporary Health Plan:

  1. Saves on premium costs compared to the standard fully insured plan. May save up to 40% of the premiums of the fully insured plans.
  2. More plan options available compared to fully insured plans.
  3. Allows for cost effective coverage for people in-between jobs, and only needs coverage for a few months, or more, until new corporate coverage may be effective. Saves substantial dollars as compared to COBRA.

NOTE:  If you are on COBRA currently and wish to obtain temporary coverage, do not cancel coverage until you have been fully accepted.  The reason for this is that you, and anyone you wish to have covered, will need to medically qualify for the plan from an underwriting standpoint.  In other words, if you have a major health issue, stay where you are.

Call 800-282-8626 today to speak with a representative who can provide a comparison quote.

OPTION 3 – Direct Primary Care and/or Healthshare Plan

Looking for a health insurance alternative? For savings as much as 60% less off of a fully insured plan, check out the Direct Primary Care plan and Healthshare plan.  To learn more, simply click on the NEXT BENEFIT button below.