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What is this plan? | An ACA plan is a major medical health insurance policy that conforms to the regulations set forth in the Affordable Care Act (Obamacare). |
Who should consider these plans? |
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Is there coverage for maternity, mental health, and pre-existing conditions? | Yes |
Are there government subsidies for the monthly premium? | Yes, if you qualify |
What happens if you have a small covered medical expense? | If there is a deductible, you pay the deductible amount first. Then, the plan typically pays a percentage of the remaining covered costs, and you pay the rest. Many preventive care services are free; there is no deductible that you need to meet first for these services. |
What happens if you have a huge covered medical expense? | The most you will pay for covered services is the maximum out of pocket. |
What is this plan? | Short term medical plans offer an affordable safety net for consumers who may find themselves temporarily without permanent coverage or unable to afford comprehensive coverage. |
Who should consider these plans? |
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Is there coverage for maternity, mental health, and pre-existing conditions? | Typically no; check plans for details |
Are there government subsidies for the monthly premium? | No |
What happens if you have a small covered medical expense? | If there is a deductible, you pay the deductible amount first. Then, the plan typically pays a percentage of the remaining covered costs and you pay the rest. You also pay anything above specific benefit limits and anything above policy limits. Some plans require that you meet the deductible even for preventative care. |
What happens if you have a huge covered medical expense? | After you reach your maximum out-of-pocket, your plan pays the remaining covered expenses, up to specific benefit limits and/or policy limits. Your out-of-pocket costs could be significant. |
What is this plan? | Fixed indemnity plans are a supplemental health insurance that helps manage out-of-pocket costs. They provide an extra layer of protection in the event of serious injury or illness. |
Who should consider these plans? |
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Is there coverage for maternity, mental health, and pre-existing conditions? | Some plans have limited coverage; check plans for details |
Are there government subsidies for the monthly premium? | No |
What happens if you have a small covered medical expense? | The plans will pay up to the fixed benefit amount for covered services; you are responsible for the remaining amounts. No deductible to meet first. |
What happens if you have a huge covered medical expense? | The plans will pay you up to the fixed benefit amount for covered services, and you are responsible for the remaining amounts. Your out-of-pocket costs could be significant. |
Additional health care coverage options:
- Dental coverage
- Vision coverage
- Critical illness coverage
- Telehealth
Our licensed health insurance agents help you to compare plans and choose the one that’s right for you. They’re well-versed in the different types of medical plans available.
If you are 65 or older, you may consider getting Medicare. This is a federal health insurance program for those 65 and over, and for people with disabilities, or certain diseases.
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