Full Coverage Options
There are three ways to get full comprehensive health insurance. Starting with an employer option, then the public marketplace, and ending with the private market. There are other types of insurance including limited benefit, health sharing, and short-term plans, but they have many lapses in coverage and likely no max-out-of-pocket, so I do not recommend or work them.
Employer Option: This is typically the employed individual's best option for health insurance if you are offered a benefits package. When adding spouses and dependents to the plan, employers do not always contribute the same amount to monthly premiums for any loved ones you may add, so it's not the most affordable healthcare option for them. This also applies to any Cobra packages you are offered, for the employed individual and family members, there can be a 105% increase from the original health insurance premium.
Public Marketplace: Also known as ACA Obamacare plans are based on income. Often these health insurance plans come with an HMO network, which means you're restricted to the doctors you can visit and you need a referral for a specialist. Along with this they have high deductibles and rarely offer dental and vision options and when they do, the networks are also restricted to what dentists and ophthalmologists you can see.
Private Market: These plans are going to be based on your health, and if you can qualify for them you are rewarded with better benefits and a low to zero dollar deductible. These affordable healthcare options come with a PPO network so you will be covered in and out of your state with the largest variety of practitioners to choose from, as well as on or off the job, and you do not need a referral to see specialists. You also have the option to add dental, vision, and life insurance at your discretion so you are not overpaying for benefits you will never use.
Individual
Are you self employed? Not a problem.
Family
Look at policies that cover what you need.
Group
Discover lower-cost work place policies.
What I do
As an advisor, I offer a wide range of policies and plans to meet your specific, business, or personal requirements. Let me worry about your future so you can enjoy your present. Remember, your health is your wealth.
Health insurance can be an extremely confusing and frustrating process. But it is also important to have because over 50% of all bankruptcies filed in the US are caused by exceptionally high medical bills. This typically happens when someone has not been educated on all of the options available to them, so they go without coverage. In other cases, the individual signed up for a policy not understanding the lapses and details of the coverage, and they're left with exorbitant bills. How is it that we have all these options available to us, and no one is thorough enough to educate us on all of our options and advise our communities on what will be the most affordable healthcare option?
That's what I'm here for! I will take an educational approach with each individual, family, or business presenting all the affordable healthcare options available in the state, and answering any questions you may have. From there I will advise you on what will be the most efficient health insurance for you and your loved ones, regarding a good balance between monthly premiums and benefits received. Anyone I am able to help, will have me as their agent for the lifetime of the policy as their point of contact. Meaning, in the future for any questions, requests, upgrades, big claims, etc. you will be able to reach out to me, instead of waiting on hold with customer service for hours!