Insurance Options We Offer
We help our clients with a vast variety of insurance options to make treatments and healthcare easier for them. Some of the major health insurance facilities we provide are discussed here!
Health Insurance
Getting sick has become expensive now, you have to pay heavy doctor fees and medical bills to get proper treatment. In this situation, health insurance plans are no less than life saviors. They save you from paying heavy treatment costs at once in case you are facing a medical emergency. The treatments, services, tests, and procedures included in your insurance coverage may vary depending upon the type of your insurance plan. For this, you have to pay us an upfront premium to share “risk” with other enrollees making the same payments. This money is then used to cover the medical expenses of enrollees who are sick or need medical treatments.
Health insurance is important to consider as it helps you through the tough times at the hospital.
Self Employed Health Insurance
The good news for self-employed people is that they are eligible for healthcare coverage under the Individual Marketplace Plan. You can get individual as well as family coverage to make tough times financially easier for you. You are considered self-employed if you are running your own business and making money. You can also avail of access to savings and premium tax credits under self-employed health insurance. Make sure to provide a complete record of your estimated annual household income record. There might be variation in this record for freelancers who don’t have an exact earning. But giving your best estimate is recommended. For this, you can consult your tax professional to avoid any inconvenience later.
In case your income deviates from the estimated value through that year, make sure to get the numbers updated as soon as possible.
Obama Health Insurance
Obama Care or the ACA (Affordable Care Act) aims to provide all Americans with affordable health care. For people having low-paying jobs or disabilities, Obama Care is the best solution to consider. The biggest advantage to mention here is that it also benefits young adults by improving their health care quality. Even if you want to claim coverage for an illness that has occurred before the insurance, you are eligible for that. Also, you don’t have to deal with the time limit issues of the insurance coverage. You can get benefits for as long as you are fully treated, regardless of the severity and duration of your disease.
It also covers a wider range of preventive services and screening options. You will now have to deal with low deductibles or copays, ensuring a more compliant healthcare experience. Last but not least, ACA offers more affordability when it comes to prescription drugs.
Life, Dental & Vision Insurance
There are different categories that you can consider when it comes to dental care health insurance. Direct reimbursement plan provides you with a pre-calculated price of your treatment. Another option is the UCR or the Usual, Customary, and Reasonable program. It helps you to choose your preferred dentist and covers the customary or reasonable fee limit or the dentist’s fee (whichever is less). These limits are set during the contract between the third-party payer and the insurance holder. You can also consider choosing the schedule of allowance or table program.
Here you will be able to see a specific assigned dollar amount for a list of covered dental services. These charges may vary with the expenses charged by your dentist. The difference between both the charges will be billed to you along with the dentist’s fee, also known as balance billing. Capitation programs are also chosen by insurance holders which pay a monthly set amount to the contracted dentists for every enrolled patient or family.
Medicare
Medicare Health Insurance is also a great option for people who want to get maximum benefits at the most affordable costs. It is divided into four major parts: A, B, C, and D. Part A covers hospital insurance especially related to the inpatient care areas. Hospice and skilled nursing facilities are also included along with the hospitals. It also covers certain areas related to outpatient care. It is free for people who have paid their Medicare taxes for 10 years minimum. Part B covers outpatient care, some preventive services, services from healthcare providers, home health care, and durable medical equipment.
Part A and B are signed up through social security whereas parts C and D are run by private companies. Part is the Medicare Advantage which includes additional services related to vision, dental insurance, and hearing. Last is the part D, which covers prescription drugs. To sign up for part D, it is important to enroll in part A or B first.