Health Insurance
Our experts are here to guide you in selecting the best plan for your needs. We’ll walk you through your choices and help you compare health insurance plans and the benefits they offer.
What is Health Insurance?
Health insurance plans can be obtained from both private insurers and the government health care exchange. Individual health insurance plans are available for those who do not have coverage through their employer or a government program. Family health insurance plans are designed for families that need to cover multiple individuals.
-
A group coverage plan at your job or your spouse or partner’s job
-
Your parents’ insurance plan, if you are under age 26
-
A plan you purchase on your own directly from a Health Insurance Company or Marketplace
-
Government programs such as: Medicare, Medicaid, Children’s Health Insurance Program
-
The Veterans Health Administration or TRICARE for military personnel
-
Your state, if it provides a health insurance plan
-
Continuing employer coverage from your former employer, on a temporary basis under the Consolidated Omnibus Budget Reconciliation Act (COBRA)
WHERE TO GET HEALTH COVERAGE?
When choosing a health insurance plan, you’ll need to decide what type of coverage you want. There are 4 types of health insurance plans:
HEALTH MAINTENANCE ORGANIZATIONS (HMOs) and EXCLUSIVE PROVIDER ORGANIZATIONS (EPOs)
Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs) often limit their coverage to providers within their networks. A network consists of a list of doctors, hospitals, and other healthcare providers that offer medical care to members of a specific health plan. If you choose to see a doctor or use a facility outside the HMO’s network, you may be required to pay the full cost of the services you receive.
Typically, HMO members are assigned a primary care doctor and need to obtain referrals to see specialists. This requirement usually does not apply to EPO members.
PREFERRED PROVIDER ORGANIZATIONS (PPOs) and POINT-OF-SERVICE PLANS (POS)
These insurance plans offer you the flexibility to receive care either within or outside of a provider network. With Preferred Provider Organization (PPO) or Point of Service (POS) plans, you can use out-of-network providers and facilities, but you will pay more than with in-network options.
If you have a PPO plan, you can see any doctor without needing a referral. In contrast, if you have a POS plan, you can visit any in-network provider without a referral, but you will need a referral to see an out-of-network provider.
HIGH DEDUCTABLE HEALTH PLAN
High Deductible Health Plans (HDHPs) usually have lower premiums and higher deductibles compared to traditional insurance plans. If you have an HDHP, you can utilize a health savings account (HSA) or a health reimbursement arrangement (HRA) to cover qualified out-of-pocket medical expenses. This can help reduce your federal tax liability.
CATASTROPHIC HEALTH INSURANCE PLAN
A catastrophic health insurance plan provides coverage for essential health benefits but features a very high deductible. This type of plan acts as a "safety net" for major accidents or serious illnesses.
Typically, catastrophic plans do not cover services like prescription drugs or vaccinations. Although the premiums for catastrophic plans are usually lower than those of traditional health insurance plans, the deductibles are generally much higher.
-
Individual and Family health insurance in the United States has undergone a lot of change in recent years. In 2010, the Affordable Care Act (ACA) was passed, and since then, there have been a number of changes to the individual health insurance market.
-
One of the most significant changes brought about by the ACA is the introduction of the individual mandate. The individual mandate requires all individuals to have health insurance coverage, or else they will face a tax penalty. This has led to an increase in the number of people with health insurance coverage, as more people are now compelled to buy coverage.
-
Another change that has taken place in the individual health insurance market is the expansion of Medicaid. Under the ACA, states were allowed to expand their Medicaid programs to cover more people. As a result, the number of people covered by Medicaid has increased significantly.
-
Despite these challenges, the individual health insurance market is still a viable option for people who need coverage. The market is constantly changing, so it’s important to stay up-to-date on the latest developments. If you’re considering buying individual health insurance, be sure to shop around and compare plans to find the best one for you.
INDIVIDUAL AND FAMILY HEALTH INSURANCE
-
Medicare
-
Medicaid
-
Children’s Health Insurance Program
-
The Veterans Health Administration or TRICARE for military personnel
-
Your state, if it provides a health insurance plan
-
Continuing employer coverage from your former employer, on a temporary basis under the Consolidated Omnibus Budget Reconciliation Act (COBRA)
GOVERNMENT HEALTH INSURANCE PROGRAMS
Government health insurance programs such as:
About us
A family-owned and operated insurance brokerage. Providing care solutions to your insurance needs since 2020.
Support Hours
Monday - Friday:
8 AM - 8 PM
Saturday and Sunday:
By Appointment
Ready to Explore Your Insurance Options?
Whether you’re turning 65, seeking health coverage, safeguarding your family’s future with life insurance, or have questions, we are here to help.
✔ No pressure. No obligation. Just straightforward help understanding your options.
" class="object-cover object-center"> © 2020-PRESENT CARE SOLUTION SERVICES LLC
ALL RIGHTS RESERVED | DESIGN BY ROCHELLE
This is a solicitation of insurance. Agent is a licensed and certified representative of multiple Medicare Advantage and Prescription Drug plans each with a Medicare contract. Enrollment depends on contract renewal. Contact may be made by an insurance agent or insurance company. Not affiliated with or endorsed by any government entity or agency. "We do not offer every plan available in your area. Currently we represent several organizations which offer many products in your area. Please contact Medicare.gov, 1-800-MEDICARE MEDICARE (TTY: 1-877-486-2048), 24 hours a day, 7 days a week, or your local State Health Insurance Program (SHIP) to get information on all your options." This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov