Coverage that fits your needs
With so many health insurance options available, finding the right coverage can feel overwhelming. Whether you're exploring ACA Marketplace plans, private health insurance, or supplemental coverage, I'm here to simplify the process and help you find a plan that fits your needs and budget.
ACA MArketplace
Commonly known as Obamacare, ACA Marketplace plans offer comprehensive health coverage through HealthCare.gov or your state's Health Insurance Marketplace. Depending on your household size and income, you may qualify for financial assistance to make coverage more affordable.
Lower Monthly Premiums: Premium tax credits may reduce your monthly insurance costs based on your income and household size.
Additional Savings: Eligible individuals may qualify for lower deductibles, copays, and out-of-pocket costs with Silver plans.
Pre-Existing Conditions Covered: You cannot be denied coverage or charged higher premiums because of your medical history.
Comprehensive Benefits: All plans cover essential health benefits, including preventive care, prescription medications, hospitalization, and more.
Flexible Plan Options: Choose from Bronze, Silver, Gold, and, where available, Platinum plans to fit your healthcare needs and budget.
Enroll during annual Open Enrollment, or during a Special Enrollment Period after a qualifying life event.
Private PPO plans
Private PPO plans offer an alternative to traditional Marketplace coverage, often providing more flexibility and competitive monthly premiums. These plans may be a great option for individuals and families looking for affordable coverage tailored to their needs.
Competitive Monthly Premiums: May offer more affordable options, especially for individuals who don't qualify for Marketplace subsidies.
Flexible Provider Networks: PPO networks may allow you to visit a wide range of doctors and specialists without referrals.
Customizable Coverage: Choose from different deductibles, copays, and benefit structures to fit your budget.
Year-Round Availability: Certain private plans are available outside the Marketplace Open Enrollment Period.
Medical Underwriting: Some plans require health screening and may limit or exclude coverage for pre-existing conditions.
Same enrollment windows as Marketplace plans: Open Enrollment or a Special Enrollment Period.
Supplemental Insurance Coverage
Supplemental insurance provides an extra layer of financial protection alongside your primary health insurance. These plans can help reduce unexpected out-of-pocket expenses and provide additional peace of mind when you need it most.
Dental & Vision Coverage: Additional benefits for routine dental care, eye exams, glasses, and other covered services.
Accident Insurance: Cash benefits to help cover expenses resulting from covered accidental injuries.
Critical Illness Coverage: A lump-sum payment following the diagnosis of a covered serious illness, such as cancer, heart attack, or stroke.
Hospital Indemnity: Fixed cash benefits for covered hospital stays, helping with medical bills and everyday expenses.
Gap Coverage: Additional benefits that can help offset deductibles, copays, and other eligible out-of-pocket expenses.
Supplemental plans are not major medical coverage and don't replace an ACA plan. Many can be added at any time of year.
Common Questions
Does it cost anything to work with you?
Not at all! My services are completely free. I'm compensated by insurance companies, so there's no additional cost to you for my assistance. You'll receive personalized guidance at no charge.
When can I enroll in health insurance?
ACA Marketplace plans are generally available during Open Enrollment. However, certain life events, such as losing coverage, moving, or getting married, may qualify you for a Special Enrollment Period. Many private and supplemental insurance plans offer year-round enrollment.
How do I know if I qualify for financial assistance?
Eligibility for Marketplace savings depends on factors such as your household size, estimated annual income, and access to other coverage. I'll help you determine whether you qualify for savings and explore the most affordable options available.
Can I keep my current doctors and medications?
Absolutely, we can look for plans that include your preferred doctors and prescriptions! Every insurance plan has different provider networks and medication coverage. I'll help you review these details before choosing a plan.
What if I'm located in another state?
I'm licensed to assist clients in all 50 states! If you need assistance with something outside my area of expertise, I'd be happy to connect you with a trusted, licensed professional who can help.