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  • What is a network?
    A network is a group of healthcare providers and facilities that have agreements with an insurance company to provide medical services to its members. The network may include primary care physicians, specialists, hospitals, and other healthcare providers.
  • Does it have to be "Open Enrollment" to be able to sign up for Private Insurance?
    This only applies to Marketplace/ACA/Obamacare plans and Employer sponsored plans. Private plans are available year-round! There are no limitations of when you can get on and off of a private plan.
  • How does health insurance work?
    Health insurance works by paying for the costs of medical care for covered individuals. In exchange for paying premiums, the insurance company agrees to pay for a portion of the medical expenses incurred by the insured person, as outlined in the policy.
  • What is coinsurance?
    Coinsurance is the percentage of medical costs that an insured person is responsible for paying after the deductible is met. For example, if the policy has a 20% coinsurance requirement, the insured person would be responsible for paying 20% of the medical costs, while the insurance company pays the remaining 80%.
  • What is health insurance?
    Health insurance provides coverage for medical and surgical expenses, supporting individuals and families in paying for essential healthcare services. From routine check-ups to emergency medical care, it offers financial assistance for a wide range of healthcare needs.
  • What is a deductible?
    A deductible is the amount of money that an insured person must pay out of pocket before their health insurance coverage begins to pay for medical expenses. Once the deductible is met, the insurance company pays a portion of the remaining costs, as outlined in the policy.
  • Can I cancel at any time?
    Yes, 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.
  • Will I qualify for Private Health Insurance?
    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!
  • What is a premium?
    A premium is the amount of money that an individual or employer pays to an insurance company in exchange for health insurance coverage. It is typically paid monthly, quarterly, or annually.
  • What are the biggest differences between ACA/Obamacare, Employer Coverage, and Private Health Insurance?"
    ACA/Obamacare is best for those with pre-existing conditions or those needing maternity coverage. It is affordable if you are under the income threshold that qualifies you for government subsidies. If you aren't getting government assistance, it is extremely expensive. These plans are mostly high premium/high deductibles because anyone can get on them. Most employer plans are great for the employee because the employer is legally responsible to pay 50% of the employee's monthly premium. The downside is that the employer is not responsible for paying anything towards family add-ons. This causes the price to jump up significantly when adding family members and can get pretty costly because the family will be paying full price to be added to the plan. Private insurance is medically underwritten, meaning you have to qualify based on your health. Since you are in a lower-risk pool of people, you get a lower premium and preferred rates, so they are more affordable than most plans with BETTER coverage.
  • Will having a health insurance plan help me save money even if I’m healthy?
    Imagine that, under the plan you’re considering, you and your family have a good health year: You go to the doctor a few times for checkups, your partner takes a couple prescriptions, the kids visit urgent care a couple times – and that’s about it. If you don’t expect to use your plan that often, pay close attention to recurring costs to see if there’s an opportunity to save money. But remember: It’s impossible to fully plan for the unexpected, so be sure to also factor in the cost of getting care if (and when) you need it. Related questions to ask: How much will I pay each month (monthly premium)? How much will I pay to see my doctor, visit urgent care, go to the emergency room or fill prescriptions (copays)? If I get the same care as last year, what would it cost? Does the bottom line fit my budget? By definition, insurance is an investment into pice of mind. Knowing that in the event you need it, it is there to help you. You wouldn’t go without automobile insurance just because you had no accidents in the previous year. Nor should you go without health insurance.
  • How do I know which health insurance plan is best for me and my family?
    If you don’t already have health insurance or if you’re interested in switching to a new health insurance plan. Start by learning how health insurance works. Make a list of questions before you choose a health plan. Gather information about your household income and set your budget for health insurance. Learn the difference between different types of plans so you can decide which one is best for you and your family. Find out if you can stay with your current doctors, hospitals and pharmacy. Learn common insurance terms, especially the ones that describe your share of the costs, such as deductibles, out-of-pocket maximums and co-payments. Additional information is just a call away. At My Affordable Health Quotes, we are here to help you make sense of all the options you have, so that you can select a plan thats best for you and your budget.
  • What is a copayment?
    A copayment is a fixed amount of money that an insured person must pay out of pocket for a specific medical service or prescription drug. Copayments are typically small amounts and are designed to encourage individuals to seek medical care when they need it.
  • Do you only work with health insurance? What about dental, vision, life, etc?
    No. I can also write policies for Dental and Vision as well! I have many trusted referral partners, so I am always happy to refer you to one of them if there is something I can’t help you with.
  • My health insurance company is leaving my market. What can I do?
    If your health insurance company is exiting the market in your area at the end of the year, rest assured that you’ll continue to have other options, and you’ll be able to seamlessly transition to a new plan as of January 1. If you purchased your coverage through the exchange / marketplace in your state, you’ll be automatically re-enrolled in a new plan if you don’t select your own replacement coverage. But it’s important to check your options to evaluate the costs, provider networks and prescription coverage of the plans available to you, rather than relying on the automatic re-enrollment process. And it’s important to note that all ACA-compliant individual/family health plans follow the calendar year, which means you’d be starting over with a new deductible and out-of-pocket limit on January 1 anyway, even if your existing plan had been renewed.
  • Will Private Plans cover me anywhere I go?
    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!
  • Isn't Private Heath Insurance really expensive?
    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 save anywhere from $1200-3600 per year!
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