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What Is The Affordable Care Act?
The Affordable Care Act (ACA), what is sometimes called Obamacare, is designed to make guaranteed issue health insurance plans available to everyone. These plans cover preexisting conditions along with a list of essential health benefits that don't change from plan to plan.
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Self-Employed Health Insurance Options
Being self-employed has its perks. You’re your own boss. You likely have a home office with a flexible schedule. And if you do work at home, you can’t beat the commute. But when you’re self-employed, your time can feel stretched because you’re doing everything yourself. One prime example—self-employment means you're responsible for finding your own health insurance.
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Basic Health Insurance Terms to Know
Health insurance seems to have a language all its own. Learning the common terms and how they're applied – especially to your own policy or to a new policy that you're interested in – can help you make more informed choices about your health coverage.
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Health Savings Accounts & Fixed Indemnity
A Hospital and Doctor fixed indemnity insurance plan pays a set benefit to you, or in some cases the provider you choose, for covered medical expenses.
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Strategies for Saving on Health Insurance
Health insurance isn’t a luxury. To help you manage your health care costs, most of our plans include broad coverage for in-network preventive care that is exempt from your plan deductible, coinsurance, and copayments, so your spouse or children won’t miss a checkup. And if bad luck deals out major medical expenses, you’ll sleep better knowing your health insurance can help protect you from the largest costs.
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How Insurance Works
At the most fundamental level, all health insurance functions the same way. The insurance company collects premiums and pays out benefits while members pay premiums and collect benefits. The process of submitting claims and receiving payments varies by policy type along with the specifics of what is and is not covered.
If you are shopping for an individual health plan, you might have an idea what you want or need from your medical coverage, but not know the exact product to search for. Here are the health care insurance plans you’re most likely to find.
Looking for Pharmacies or Drug Coverage Information? To help us get you to the information you’re looking for, visit this page to choose the option that applies to you.
You are just a few clicks away from learning if your doctor is in the network. Search by plan type here.
Under the Affordable Care Act (ACA), all issuers of health insurance are required to provide consumers with clear, consistent and comparable information about their health plan benefits and coverage — a Summary of Benefits and Coverage (SBC).
Need help finding a health plan that fits? Call one of our licensed insurance brokers at. 1-800-273-8115.
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Does your health plan meet all your needs? Find help covering what health insurance often doesn't.
These policies have exclusions, limitations, reduction of benefits, and/or terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company, whichever is applicable.
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