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FREQUENTLY ASKED QUESTIONS
YES!
Nationwide coverage, on and off the job. All private plans are on major PPO networks, so you aren't limited to coverage in your county/state like many plans. You are covered anywhere you go!
I have Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, Income Protection (aka Short term disability), and access to everything out there, so I am happy to guide you in the right direction if you are needing something specific!
ACA/Obamacare is major medical coverage that you cannot be denied due to any pre-existing conditions. It is most affordable IF you get a government subsidy on the monthly premiums. If you aren't getting that discount, it is way more expensive than most plans out there.
Employer plans are AMAZING for the employee themselves BUT the minute you add a family member (spouse or kids or both) onto the plan, that premium is going to skyrocket. This is because employers usually give benefits to their employees but the family will be paying full price to be added on to the plan.
Private insurance is health-based so there is an application process because not everyone may qualify based on health. Because you're healthy, you're getting a preferred rate so it is cheaper than most plans with BETTER coverage.
There are no contracts for any type of health insurance plan, besides employer coverage. You can cancel at anytime for both the public and private health insurance plans.
It is much less expensive than you think! Since the rates for private healthcare are based on health, and not your income, you will generally see lower prices AND better benefits if you can qualify. Most clients saveanywhere from $1200-3600 per year!
You don’t have to be an olympic athlete by any means, but if you are in relatively good health then you should be a strong candidate.
Of course individual considerations will be made, but if you don’t have any major pre-existing conditions such as cancer, heart attack, stroke, or diabetes then a private plan may be right for you!
That is only for ACA/Obamacare and government plans. Private insurance is available year-round.