Affordable
Health Insurance
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Tips For Finding
The Right Plan
Whether this is your first-time shopping for healthcare, or you’re looking to explore different coverage options, you’re not alone! Many Americans every year seek the help of a professional agent to learn more about the different plan options available in their states.
Making substantial purchases involves careful consideration, and shopping for healthcare should be no exception. Just as you would explore your options before making a significant purchase, we encourage you to do the same when selecting a coverage.
Prior to finalizing your decision, we suggest obtaining a minimum of 2-3 alternative plan comparisons. This approach ensures that you align your monthly budget with your desired coverage level. Your proactive approach to this process can lead to a choice that truly meets your needs.
Most buyers select a plan on price only. Although affordability is important, choosing a plan that has coverage for your specific needs is equally important.
Ask yourself a few questions:
- How many times do I plan on seeing the doctor this year?
- Does the plan I am selecting have coverage for my medication?
Make sure to understand your options and ask as many questions as possible when speaking to any agent.
“Does my doctor accept this?”
Different plans have different coverage options when it comes to their network policies. A plan with a broad network of doctors is known as a PPO, while narrow networks are classified as an HMO. Ask yourself “Do I want the ability to keep my current doctor?” If so, you may want to choose a plan that has access to a PPO healthcare network. If you do not plan on seeing a specific physician, an HMO network offers a variety of other provider options.
Tips For Servicing
An Existing Policy.
A 1095-A form reports health insurance coverage through the Exchange, including coverage details, premiums, and subsidies. It is required to file your federal tax return if you had an ACA Marketplace plan. A licensed agent can assist you in obtaining this form.
Losing your insurance medical ID card can be stressful, but a licensed health insurance agent can guide you through the process of ordering a free replacement.
Choosing a primary care physician is an important decision, and a licensed agent can help ensure your visits are covered and your copay amount is clear, so there are no surprises.
A licensed agent can assist you with your monthly premium payment and inform you of any additional cost-saving programs that can be added to your account.
Important
Healthcare Terms.
The Affordable Care Act (ACA), also known as Obamacare, is a comprehensive healthcare reform law enacted in the United States in 2010. The primary goals of the ACA were to increase access to healthcare, improve quality of care, and control the rising costs of services.
The health insurance open enrollment period is a specific timeframe during which individuals can enroll in or make changes to their plans. This period allows individuals to sign up for health coverage or switch to a different plan, even if they didn't have coverage before or want to make changes to their existing coverage.
The open enrollment period is typically an annual occurrence and is an important opportunity for individuals and families to obtain or modify their coverage to better suit their needs.
The open enrollment period and its specific dates can vary based on the type of plan and the region of the country you live. It's recommended to stay informed about the open enrollment dates relevant to your location and the type of coverage you're seeking by talking to an agent.
To enroll in an Affordable Care Act plan outside of Open Enrollment, you would need to qualify for a Special Enrollment Period based on a life-changing event; (i.e. loss of job, new child, recently moved, and various other qualifying events.)
Affordable
Health Insurance
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Under the ACA, individual medical plans are required to cover ten “Essential Health Benefits” to be recognized as a "Qualified Health Plan" and provide “minimum essential coverage” to enrollees. Residents of certain states may not be able to enroll in ACA-compliant health insurance through this website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at www.HealthCare.gov. Premium tax credits are not guaranteed and are subject to eligibility requirements determined in the Federally Facilitated Marketplace.
Short Term Medical (STM) Insurance does not provide comprehensive medical coverage and is not minimum essential coverage as defined in the Affordable Care Act. STM insurance may not cover all Essential Health Benefits. Check your plan carefully before enrolling. Plans are subject to medical underwriting, and generally do not cover preexisting conditions, and may have lifetime and/or annual dollar limits on health benefits. If your coverage expires, or you lose eligibility, you may have to wait until an open enrollment period to get other health insurance coverage.
Indemnity Plans are a supplement to health insurance. They are not a replacement for health insurance or a substitute for the minimum essential coverage required by the Affordable Care Act. Plans generally do not cover preexisting conditions, and generally pay you up to the fixed benefit amount for covered services. If you are on (or eligible for) Medicaid, payments from these plans may affect your coverage or eligibility. Check with your Medicaid agency for more information.
Attention:
HealthplanMarketplace.com is not a government entity, nor is it a federal or state marketplace website, and it is not endorsed by Medicare. *
HealthplanMarketplace.com does not provide quotes or sell any products directly to consumers. This is an independently owned and operated, advertising-supported website. In offering this website, HealthplanMarketplace.com is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Federally Facilitated Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Federally Facilitated Health Insurance Marketplace website at HealthCare.gov.
Sales agents may be compensated based on a consumer’s enrollment in a health plan. Agents cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Medicare has neither reviewed nor endorsed this information.